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 TR CORE S&P MCP ETF 464287507 63,677 326,921 SH   SOLE   16,599 0 310,322
ISHARES TR CORE S&P SCP ETF 464287804 793 9,503 SH   SOLE   357 0 9,146
ISHARES TR RUS 1000 ETF 464287622 208,541 1,372,159 SH   SOLE   55,428 0 1,316,731
ISHARES TR RUSSELL 2000 ETF 464287655 24,358 148,734 SH   SOLE   5,580 0 143,154
MID AMER APT CMNTYS INC COM 59522J103 291 2,890 SH   SOLE   0 0 2,890
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 65,668 2,452,592 SH   SOLE   2,551 0 2,450,041
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 367 5,561 SH   SOLE   0 0 5,561
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,092 32,183 SH   SOLE   0 0 32,183
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 46,073 839,363 SH   SOLE   0 0 839,363
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 7,574 102,955 SH   SOLE   0 0 102,955
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,392 8,817 SH   SOLE   0 0 8,817
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,677 26,183 SH   SOLE   0 0 26,183
WILLIS TOWERS WATSON PUB LTD SHS G96629103 213 1,406 SH   SOLE   0 0 1,406