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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 39,022,427 835,598 SH   SOLE   791,669 0 43,929
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 2,679,665 33,013 SH   SOLE   25,335 0 7,678
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 1,843,640 16,047 SH   SOLE   532 0 15,515
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 33,173,690 346,353 SH   SOLE   331,674 0 14,679
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 18,720,931 303,714 SH   SOLE   262,835 0 40,879
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 19,590,671 80,990 SH   SOLE   67,479 0 13,511
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 17,741,877 187,467 SH   SOLE   156,121 0 31,346
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 63,792,692 166,036 SH   SOLE   134,471 0 31,565
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 56,822,464 585,859 SH   SOLE   544,640 0 41,219
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 16,917,744 229,767 SH   SOLE   217,188 0 12,579
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 9,686,803 91,879 SH   SOLE   85,486 0 6,393
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 12,529,048 148,115 SH   SOLE   148,115 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 24,372,066 371,299 SH   SOLE   347,090 0 24,209
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 257,947 6,806 SH   SOLE   0 0 6,806
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 2,626,545 24,891 SH   SOLE   0 0 24,891
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 97,372,237 462,532 SH   SOLE   462,532 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 387,989 1,811 SH   SOLE   0 0 1,811
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 2,785,955 41,304 SH   SOLE   39,822 0 1,482
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 8,265,710 47,406 SH   SOLE   47,406 0 0
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 392,794 3,257 SH   SOLE   0 0 3,257
ISHARES TR U.S. REAL ES ETF 464287739 BBG001SFGXJ3 5,357,936 63,641 SH   SOLE   63,641 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 255,697 10,803 SH   SOLE   0 0 10,803
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 780,376 24,228 SH   SOLE   0 0 24,228
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 679,522 13,803 SH   SOLE   0 0 13,803
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 1,312,562 27,209 SH   SOLE   0 0 27,209
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 1,336,872 29,285 SH   SOLE   0 0 29,285
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 550,843 12,293 SH   SOLE   0 0 12,293
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 1,066,894 23,630 SH   SOLE   0 0 23,630
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 474,820 7,237 SH   SOLE   0 0 7,237
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 778,602 19,220 SH   SOLE   0 0 19,220
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 47,917,208 666,999 SH   SOLE   568,648 0 98,351
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 508,480 2,386 SH   SOLE   0 0 2,386
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 9,839,539 48,278 SH   SOLE   33,415 0 14,863
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 2,598,120 31,500 SH   SOLE   31,500 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 34,539,884 98,309 SH   SOLE   81,976 0 16,333
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 8,327,944 45,374 SH   SOLE   29,604 0 15,770
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 8,618,712 221,106 SH   SOLE   179,632 0 41,474
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 11,907,239 158,362 SH   SOLE   124,868 0 33,494
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 15,665,135 373,246 SH   SOLE   287,797 0 85,449
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 27,842,649 257,302 SH   SOLE   226,707 0 30,595