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
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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
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 452 8,318 SH   SOLE   0 0 8,318
ISHARES TR CORE US AGGBD ET 464287226 190,759 1,654,027 SH   SOLE   1,653,800 0 227
ISHARES TR TIPS BD ETF 464287176 16,784 131,112 SH   SOLE   130,300 0 812
VANGUARD INDEX FDS VALUE ETF 922908744 1,106 8,046 SH   SOLE   0 0 8,046
VANGUARD INDEX FDS SMALL CP ETF 922908751 370 1,641 SH   SOLE   0 0 1,641
VANGUARD INDEX FDS GROWTH ETF 922908736 1,422 4,958 SH   SOLE   0 0 4,958
ISHARES TR IBOXX HI YD ETF 464288513 129,208 1,467,600 SH   SOLE   1,467,600 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 191,604 2,230,810 SH   SOLE   2,229,900 0 910
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,366 26,512 SH   SOLE   0 0 26,512
SPDR SER TR BLOOMBERG BRCLYS 78468R622 115,106 1,046,800 SH   SOLE   1,046,800 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 11,913 119,200 SH   SOLE   119,200 0 0
SPDR SER TR BLOOMBERG SRT TR 78468R408 1,655 60,000 SH   SOLE   60,000 0 0
DBX ETF TR XTRACK USD HIGH 233051432 3,829 95,000 SH   SOLE   95,000 0 0
NORTHERN LIGHTS FD TR TOEWS AGILTY SHS 66538J720 513 16,521 SH   SOLE   0 0 16,521