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
SPDR SER TR BLOOMBERG BRCLYS 78468R622 15,134 139,101 SH   SOLE   77,901 61,200 0
ISHARES TR CORE S&P 500 ETF 464287200 61,806 155,361 SH   SOLE   124,561 30,800 0
ISHARES TR CORE US AGGBD ET 464287226 2,380 20,904 SH   SOLE   0 20,904 0
ISHARES TR S&P 500 GRWT ETF 464287309 3,200 49,153 SH   SOLE   49,153 0 0
ISHARES TR CORE S&P MCP ETF 464287507 45,577 175,106 SH   SOLE   120,406 54,700 0
ISHARES TR RUSS 1000 ETF 464287622 1,119 5,000 SH   SOLE   0 5,000 0
ISHARES TR INTL DEV RE ETF 464288489 6,532 236,826 SH   SOLE   150,826 86,000 0
Ishares S&P GSCI Commodity I UNIT BEN INT 46428R107 349 25,015 SH   SOLE   25,015 0 0
Schwab Strategic TR US MID-CAP ETF 808524508 1,259 16,912 SH   SOLE   16,912 0 0
Vanguard Intl Equity Index F FTSE EMR MKT ETF 922042858 17,720 340,443 SH   SOLE   217,443 123,000 0
Vanguard Index FDS REAL ESTATE ETF 922908553 22,654 246,610 SH   SOLE   165,610 81,000 0
Vanguard Index FDS MID CAP ETF 922908629 1,225 5,533 SH   SOLE   0 5,533 0
Vanguard Index FDS SMALL CP ETF 922908751 60,565 282,910 SH   SOLE   204,210 78,700 0
Vanguard ETF Small Cap TOTAL STK MKT 922908769 27,092 131,075 SH   SOLE   131,075 0 0
Vanguard Charlotte FDS INTL BD IDX ETF 92203J407 4,856 85,010 SH   SOLE   42,260 42,750 0
Vanguard Scottsdale FDS MORTG-BACK SEC 92206C771 2,085 39,066 SH   SOLE   39,066 0 0
Vanguard Bd Index FDS INTERMED TERM 921937819 27 300 SH   SOLE   300 0 0
Vanguard Bd Index FDS TOTAL BND MRKT 921937835 48,029 566,915 SH   SOLE   399,715 167,200 0
Vanguard Tax-Managed Intl Fd FTSE DEV MKT ETF 921943858 30,564 622,368 SH   SOLE   419,368 203,000 0
WISDOMTREE TR ENHNCD CMMDTY ST 97717Y683 39 1,950 SH   SOLE   1,950 0 0