The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD INDEX FDS TOTAL STK MKT ETF 922908769 349,536,766 1,795,812 SH   SOLE   0 0 1,795,812
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US ETF 922042775 160,562,758 2,751,247 SH   SOLE   0 0 2,751,247
VANGUARD INDEX FDS GROWTH ETF ETF 922908736 46,236,008 182,506 SH   SOLE   0 0 182,506
VANGUARD INDEX FDS VALUE ETF ETF 922908744 33,589,186 282,357 SH   SOLE   0 0 282,357
VANGUARD INDEX FDS SM CP VAL ETF ETF 922908611 29,877,087 210,091 SH   SOLE   0 0 210,091
VANGUARD INDEX FDS MCAP VL IDXVIP ETF 922908512 24,481,350 205,795 SH   SOLE   0 0 205,795
ISHARES TR CORE MSCI EAFE ETF 46432F842 6,703,204 97,021 SH   SOLE   0 0 97,021
ISHARES TR CORE SP500 ETF ETF 464287200 6,659,866 17,741 SH   SOLE   0 0 17,741
ISHARES TR CORE TOTAL USD ETF 46434V613 5,016,769 91,916 SH   SOLE   0 0 91,916
ISHARES TR CORE SP TTL STK ETF 464287150 4,060,831 47,098 SH   SOLE   0 0 47,098
SCHWAB STRATEGIC TR US LCAP VA ETF ETF 808524409 3,183,069 53,470 SH   SOLE   0 0 53,470
ISHARES TR NATIONAL MUN ETF ETF 464288414 2,801,175 23,901 SH   SOLE   0 0 23,901
SCHWAB STRATEGIC TR US LCAP GR ETF ETF 808524300 2,757,091 21,471 SH   SOLE   0 0 21,471
SPDR INDEX SHS FDS GLB NAT RESRCE ETF 78463X541 2,370,822 52,944 SH   SOLE   0 0 52,944
VANGUARD INDEX FDS SP 500 ETF SHS ETF 922908363 2,309,760 6,720 SH   SOLE   0 0 6,720
VANGUARD INDEX FDS MID CAP ETF ETF 922908629 2,227,736 10,774 SH   SOLE   0 0 10,774
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD ETF 92206C409 2,225,315 26,731 SH   SOLE   0 0 26,731
ISHARES TR CORE MSCI TOTAL ETF 46432F834 2,138,744 31,831 SH   SOLE   0 0 31,831
ISHARES INC CORE MSCI EMKT ETF 46434G103 1,956,822 31,541 SH   SOLE   0 0 31,541
VANGUARD SCOTTSDALE FDS INT TERM CORP ETF 92206C870 1,916,622 19,731 SH   SOLE   0 0 19,731
VANGUARD BD INDEX FDS INTERMED TERM ETF 921937819 1,870,241 20,143 SH   SOLE   0 0 20,143
ISHARES TR CORE SP US VLU ETF 464287663 1,626,231 26,149 SH   SOLE   0 0 26,149
VANGUARD BD INDEX FDS TOTAL BND MRKT ETF 921937835 1,422,240 16,127 SH   SOLE   0 0 16,127
ISHARES TR RUSSELL 2000 ETF ETF 464287655 1,038,294 5,296 SH   SOLE   0 0 5,296
ISHARES TR CORE SP MCP ETF ETF 464287507 973,473 4,236 SH   SOLE   0 0 4,236
VANGUARD INDEX FDS SML CP GRW ETF ETF 922908595 949,390 3,547 SH   SOLE   0 0 3,547
ISHARES TR CORE SP SCP ETF ETF 464287804 915,073 9,957 SH   SOLE   0 0 9,957
ISHARES TR RUS 1000 ETF ETF 464287622 913,454 4,312 SH   SOLE   0 0 4,312
VANGUARD INTL EQUITY INDEXF FTSE EMR MKT ETF ETF 922042858 900,976 17,980 SH   SOLE   0 0 17,980
ISHARES TR 5YR INVT GR CP ETF 46434V100 809,133 15,495 SH   SOLE   0 0 15,495
SPDR S&P 500 ETF TR TR UNIT ETF 78462F103 794,277 2,115 SH   SOLE   0 0 2,115
APPLE INC COM COM 037833100 773,715 5,831 SH   SOLE   0 0 5,831
ISHARES TR CORE US AGGBD ET ETF 464287226 738,571 6,249 SH   SOLE   0 0 6,249
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF ETF 921943858 694,648 14,714 SH   SOLE   0 0 14,714
JPMORGAN CHASE CO COM COM 46625H100 678,935 5,343 SH   SOLE   0 0 5,343
VANGUARD INDEX FDS SMALL CP ETF ETF 922908751 619,163 3,180 SH   SOLE   0 0 3,180
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201 465,846 5,122 SH   SOLE   0 0 5,122
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF ETF 922042718 423,210 3,473 SH   SOLE   0 0 3,473
MICROSOFT CORP COM COM 594918104 420,596 1,891 SH   SOLE   0 0 1,891
SCHWAB STRATEGIC TR US MID CAP ETF ETF 808524508 394,682 5,784 SH   SOLE   0 0 5,784
ISHARES TR TIPS BD ETF ETF 464287176 376,930 2,953 SH   SOLE   0 0 2,953
SPDR SER TR S&P DIVID ETF ETF 78464A763 336,241 3,174 SH   SOLE   0 0 3,174
VANGUARD CHARLOTTE FDS INTL BD IDX ETF ETF 92203J407 328,934 5,618 SH   SOLE   0 0 5,618
ISHARES TR RUS 2000 GRW ETF ETF 464287648 321,104 1,120 SH   SOLE   0 0 1,120
ISHARES TR MSCI USA MIN VOL ETF 46429B697 313,870 4,624 SH   SOLE   0 0 4,624
SCHWAB STRATEGIC TR US SML CAP ETF ETF 808524607 289,471 3,252 SH   SOLE   0 0 3,252
AMAZON COM INC COM COM 023135106 263,811 81 SH   SOLE   0 0 81
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP ETF 46138E719 259,503 13,349 SH   SOLE   0 0 13,349
ISHARES TR RUS 2000 VAL ETF ETF 464287630 245,162 1,861 SH   SOLE   0 0 1,861
WISDOMTREE TR INTL SMCAP DIV ETF 97717W760 233,286 3,425 SH   SOLE   0 0 3,425
VANGUARD WORLD FD MEGA GRWTH IND ETF 921910816 224,861 1,104 SH   SOLE   0 0 1,104
DBX ETF TR XTRACK USD HIGH ETF 233051432 201,462 4,022 SH   SOLE   0 0 4,022