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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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
ISHARES TR CORE S&P SCP ETF 464287804 4,840 63,013 SH   SOLE NONE 0 0 63,013
ISHARES TR SP SMCP600VL ETF 464287879 487 3,173 SH   SOLE NONE 0 0 3,173
ISHARES TR S&P 500 VAL ETF 464287408 957 8,380 SH   SOLE NONE 0 0 8,380
ISHARES TR CORE S&P500 ETF 464287200 5,768 21,454 SH   SOLE NONE 0 0 21,454
ISHARES TR RUSSELL 2000 ETF 464287655 219 1,436 SH   SOLE NONE 0 0 1,436
ISHARES TR U.S. REAL ES ETF 464287739 3,234 39,922 SH   SOLE NONE 0 0 39,922
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 332 962 SH   SOLE NONE 0 0 962
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,378 8,912 SH   SOLE NONE 0 0 8,912
ISHARES TR MSCI EAFE ETF 464287465 346 4,922 SH   SOLE NONE 0 0 4,922
AT&T INC COM 00206R102 277 7,125 SH   SOLE NONE 0 0 7,125
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 1,027 8,171 SH   SOLE NONE 0 0 8,171
GILEAD SCIENCES INC COM 375558103 241 3,368 SH   SOLE NONE 0 0 3,368
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,407 10,251 SH   SOLE NONE 0 0 10,251
APPLE INC COM 037833100 1,708 10,090 SH   SOLE NONE 0 0 10,090
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,204 48,000 SH   SOLE NONE 0 0 48,000
ISHARES TR CORE US AGGBD ET 464287226 12,662 115,811 SH   SOLE NONE 0 0 115,811
ISHARES TR TIPS BD ETF 464287176 4,020 35,241 SH   SOLE NONE 0 0 35,241
ALPHABET INC CAP STK CL A 02079K305 366 347 SH   SOLE NONE 0 0 347
VANGUARD INDEX FDS REIT ETF 922908553 666 8,025 SH   SOLE NONE 0 0 8,025
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,034 6,998 SH   SOLE NONE 0 0 6,998
8X8 INC NEW COM 282914100 307 21,760 SH   SOLE NONE 0 0 21,760
DOLBY LABORATORIES INC COM 25659T107 571 9,207 SH   SOLE NONE 0 0 9,207
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,232 10,052 SH   SOLE NONE 0 0 10,052
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 6,016 148,589 SH   SOLE NONE 0 0 148,589
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 323 5,902 SH   SOLE NONE 0 0 5,902
ISHARES TR 1 3 YR CR BD ETF 464288646 841 8,049 SH   SOLE NONE 0 0 8,049
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 292 3,582 SH   SOLE NONE 0 0 3,582
ISHARES TR INTL SEL DIV ETF 464288448 481 14,231 SH   SOLE NONE 0 0 14,231
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 759 16,930 SH   SOLE NONE 0 0 16,930
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 15,176 127,281 SH   SOLE NONE 0 0 127,281
POWERSHARES ETF TR II SOVEREIGN DEBT 73936T573 9,207 311,693 SH   SOLE NONE 0 0 311,693
ISHARES TR JPMORGAN USD EMG 464288281 6,105 52,582 SH   SOLE NONE 0 0 52,582
ISHARES TR INTL DEV RE ETF 464288489 508 16,925 SH   SOLE NONE 0 0 16,925
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 554 8,585 SH   SOLE NONE 0 0 8,585
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,185 210,887 SH   SOLE NONE 0 0 210,887
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 18,121 284,124 SH   SOLE NONE 0 0 284,124
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 41,102 518,316 SH   SOLE NONE 0 0 518,316
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,075 144,460 SH   SOLE NONE 0 0 144,460
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,412 25,830 SH   SOLE NONE 0 0 25,830
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 347 9,479 SH   SOLE NONE 0 0 9,479
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 9,274 331,918 SH   SOLE NONE 0 0 331,918
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,616 101,314 SH   SOLE NONE 0 0 101,314
SCHWAB STRATEGIC TR US REIT ETF 808524847 6,886 165,440 SH   SOLE NONE 0 0 165,440
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 21,649 939,636 SH   SOLE NONE 0 0 939,636
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 14,090 270,760 SH   SOLE NONE 0 0 270,760
FORTUNE BRANDS HOME & SEC IN COM 34964C106 203 2,962 SH   SOLE NONE 0 0 2,962
SPLUNK INC COM 848637104 872 10,530 SH   SOLE NONE 0 0 10,530
ISHARES INC CORE MSCI EMKT 46434G103 4,698 82,559 SH   SOLE NONE 0 0 82,559
ISHARES TR CORE MSCI EAFE 46432F842 3,090 46,756 SH   SOLE NONE 0 0 46,756
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 8,551 157,270 SH   SOLE NONE 0 0 157,270
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1,067 35,091 SH   SOLE NONE 0 0 35,091
ALPHABET INC CAP STK CL C 02079K107 370 354 SH   SOLE NONE 0 0 354
ISHARES TR CORE TOTAL USD 46434V613 386 7,590 SH   SOLE NONE 0 0 7,590