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 IBOXX HI YD ETF 464288513 2,901 32,948 SH   SOLE   0 0 32,948
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 13,729 454,591 SH   SOLE   0 0 454,591
ISHARES TR JPMORGAN USD EMG 464288281 1,048 9,323 SH   SOLE   0 0 9,323
ISHARES TR MSCI USA MIN VOL 46429B697 15,405 209,283 SH   SOLE   0 0 209,283
ISHARES TR NATIONAL MUN ETF 464288414 13,484 115,049 SH   SOLE   0 0 115,049
ISHARES TR RUSSELL 3000 ETF 464287689 18,478 72,204 SH   SOLE   0 0 72,204
ISHARES TR RUS MDCP VAL ETF 464287473 2,995 26,049 SH   SOLE   0 0 26,049
ISHARES TR RUS MID CAP ETF 464287499 1,000 12,626 SH   SOLE   0 0 12,626
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,182 59,288 SH   SOLE   0 0 59,288
ISHARES TR RUS 1000 ETF 464287622 69,133 285,580 SH   SOLE   0 0 285,580
ISHARES TR RUSSELL 2000 ETF 464287655 5,697 24,837 SH   SOLE   0 0 24,837
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,177 22,988 SH   SOLE   0 0 22,988
ISHARES TR MSCI ACWI EX US 464288240 2,201 38,263 SH   SOLE   0 0 38,263
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 523 5,031 SH   SOLE   0 0 5,031