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
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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
ISHARES INC MSCI FRONTIER 464286145 1,194 40,481 SH   SOLE   0 0 40,481
ISHARES TR CORE S&P500 ETF 464287200 6,518 16,385 SH   SOLE   0 0 16,385
ISHARES TR IBOXX INV CP ETF 464287242 14,016 107,775 SH   SOLE   0 0 107,775
ISHARES TR CORE S&P MCP ETF 464287507 3,190 12,258 SH   SOLE   0 0 12,258
ISHARES TR RUS 1000 GRW ETF 464287614 366 1,507 SH   SOLE   0 0 1,507
ISHARES TR RUS 1000 ETF 464287622 239 1,070 SH   SOLE   0 0 1,070
ISHARES TR CORE S&P SCP ETF 464287804 4,862 44,801 SH   SOLE   0 0 44,801
ISHARES TR NATIONAL MUN ETF 464288414 3,780 32,572 SH   SOLE   0 0 32,572
ISHARES TR PFD AND INCM SEC 464288687 2,185 56,902 SH   SOLE   0 0 56,902
ISHARES TR MICRO-CAP ETF 464288869 2,181 14,841 SH   SOLE   0 0 14,841
ISHARES TR US TREAS BD ETF 46429B267 1,406 53,690 SH   SOLE   0 0 53,690
ISHARES TR FLTG RATE NT ETF 46429B655 2,357 46,419 SH   SOLE   0 0 46,419
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 8,960 122,872 SH   SOLE   0 0 122,872
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 1,647 32,779 SH   SOLE   0 0 32,779
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 512 9,248 SH   SOLE   0 0 9,248
SPDR SER TR NUVEEN BBG BRCLY 78464A284 592 9,986 SH   SOLE   0 0 9,986
SPDR SER TR BLOOMBERG BRCLYS 78468R622 2,299 21,133 SH   SOLE   0 0 21,133
SPDR SER TR NUVEEN BLMBRG SR 78468R739 1,055 21,286 SH   SOLE   0 0 21,286
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 4,143 50,412 SH   SOLE   0 0 50,412
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,782 20,629 SH   SOLE   0 0 20,629
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 3,083 14,368 SH   SOLE   0 0 14,368
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,454 26,718 SH   SOLE   0 0 26,718
VANGUARD INDEX FDS GROWTH ETF 922908736 8,944 34,794 SH   SOLE   0 0 34,794
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 670 12,019 SH   SOLE   0 0 12,019
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,797 14,000 SH   SOLE   0 0 14,000
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,722 109,925 SH   SOLE   0 0 109,925
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 9,563 194,718 SH   SOLE   0 0 194,718
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 2,150 27,747 SH   SOLE   0 0 27,747