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
SPDR NUVEEN BLOOMBERG BARCLAYS SHORT TERM MUNICIPAL BOND ETF ETF 78468R739 1,221 24,923 SH   SOLE 0 0 0 24,923
VANGUARD REIT INDEX ETF ETF 922908553 3,223 34,559 SH   SOLE 0 1,461 0 33,098
ISHARES TRS&P SHORT TERM NATL MUNICIPAL BD FD ETF 464288158 576 5,402 SH   SOLE 0 0 0 5,402
ISHARES TR S&P/CITIGROUP INTL TREASURY BD ETF ETF 464288117 1,337 26,488 SH   SOLE 0 566 0 25,922
ISHARES RUSSELL 2000 VALUE ETF 464287630 254 2,130 SH   SOLE 0 0 0 2,129
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 254 3,642 SH   SOLE 0 0 0 3,641
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 1,359 8,515 SH   SOLE 0 0 0 8,514
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 1,412 44,333 SH   SOLE 0 0 0 44,333
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 2,709 38,199 SH   SOLE 0 0 0 38,198
ISHARES US REAL ESTATE ETF ETF 464287739 1,885 20,148 SH   SOLE 0 2,511 0 17,637
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 2,794 33,259 SH   SOLE 0 0 0 33,258
ISHARES S&P SMALLCAP 600 ETF ETF 464287804 642 8,246 SH   SOLE 0 96 0 8,148
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 699 27,803 SH   SOLE 0 0 0 27,803
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 2,421 42,676 SH   SOLE 0 0 0 42,676
SPDR S&P MIDCAP 400 ETF ETF 78467Y107 551 1,564 SH   SOLE 0 0 0 1,563
SPDR S&P 600 SMALL CAP VALUE ETF ETF 78464A300 236 3,846 SH   SOLE 0 0 0 3,846
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821 1,294 24,096 SH   SOLE 0 0 0 24,095
SPDR S&P 600 SMALL CAP GROWTH ETF ETF 78464A201 293 4,924 SH   SOLE 0 0 0 4,924
SPDR S&P 400 MID CAP VALUE ETF ETF 78464A839 1,075 20,941 SH   SOLE 0 0 0 20,940
SCHWAB U.S. REIT ETF ETF 808524847 260 5,508 SH   SOLE 0 0 0 5,507
ISHARES RUSSELL 2000 ETF ETF 464287655 873 5,769 SH   SOLE 0 0 0 5,768
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663 204 2,168 SH   SOLE 0 0 0 2,167
SCHWAB US AGGREGATE BOND ETF ETF 808524839 1,551 28,802 SH   SOLE 0 0 0 28,802
ISHARES TRUST CORE MSCI TOTAL INTL STK ETF ETF 46432F834 1,280 22,155 SH   SOLE 0 6,165 0 15,989
ISHARES CORE MSCI EAFE ETF 46432F842 18,072 295,915 SH   SOLE 0 8,360 0 287,554
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103 7,426 151,499 SH   SOLE 0 7,567 0 143,931
ISHARES TRUST CORE SHORT-TERM US BD ETF ETF 46432F859 244 4,829 SH   SOLE 0 0 0 4,829
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407 487 8,276 SH   SOLE 0 0 0 8,276
ISHARES TR RUSSELL MIDCAP INDEX FD ETF 464287499 694 12,401 SH   SOLE 0 0 0 12,401
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 3,027 16,969 SH   SOLE 0 917 0 16,051
FIDELITY MSCI MATERIALS INDEX ETF ETF 316092881 4,494 138,992 SH   SOLE 0 5,885 0 133,106
ISHARES S&P 500 VALUE ETF ETF 464287408 9,033 75,817 SH   SOLE 0 7,605 0 68,211
ISHARES S&P 500 GROWTH ETF ETF 464287309 7,432 41,282 SH   SOLE 0 455 0 40,826
ISHARES S&P 500 INDEX ETF 464287200 13,412 44,929 SH   SOLE 0 2,539 0 42,389
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509 763 22,252 SH   SOLE 0 1,188 0 21,063
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 6,425 156,400 SH   SOLE 0 1,460 0 154,939
ISHARES AGGREGATE BOND ETF ETF 464287226 6,229 55,045 SH   SOLE 0 5,420 0 49,624
ISHARES S&P SMALLCAP 600 VALUE ETF ETF 464287879 5,318 35,406 SH   SOLE 0 2,043 0 33,362
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606 9,834 43,931 SH   SOLE 0 3,117 0 40,813
ISHARES S&P MIDCAP 400 VALUE ETF ETF 464287705 4,963 31,040 SH   SOLE 0 2,340 0 28,699
MFS INVT GRADE MUN TR SH BEN INT CEF 59318B108 295 29,665 SH   SOLE 0 0 0 29,664
ISHARES CORE S&P MID CAP ETF ETF 464287507 2,568 13,287 SH   SOLE 0 1,154 0 12,132
ISHARES RUSSELL 1000 ETF ETF 464287622 1,299 7,893 SH   SOLE 0 0 0 7,892
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 4,220 32,899 SH   SOLE 0 767 0 32,131