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
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 53,772 673,671 SH   SOLE   0 0 673,671
ISHARES TR SHRT NAT MUN ETF 464288158 4,440 41,902 SH   SOLE   0 0 41,902
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,142 19,224 SH   SOLE   0 0 19,224
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,233 29,969 SH   SOLE   0 0 29,969
ISHARES TR NATIONAL MUN ETF 464288414 2,100 18,942 SH   SOLE   0 0 18,942
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,131 9,800 SH   SOLE   0 0 9,800
WISDOMTREE TR EMG MKTS SMCAP 97717W281 12,832 261,715 SH   SOLE   0 0 261,715
ISHARES TR EAFE SML CP ETF 464288273 11,662 188,103 SH   SOLE   0 0 188,103
ISHARES RUS TOP 200 ETF 464289446 1,242 21,545 SH   SOLE   0 0 21,545
FLEXSHARES TR M STAR DEV MKT 33939L803 29,091 435,815 SH   SOLE   0 0 435,815
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 3,285 93,793 SH   SOLE   0 0 93,793
INDEXIQ ETF TR US RL EST SMCP 45409B628 427 15,773 SH   SOLE   0 0 15,773
ISHARES TR 1 3 YR TREAS BD 464287457 32,506 384,918 SH   SOLE   0 0 384,918
VANGUARD INDEX FDS VALUE ETF 922908744 4,797 48,057 SH   SOLE   0 0 48,057
VANGUARD INDEX FDS REIT ETF 922908553 556 6,693 SH   SOLE   0 0 6,693
ISHARES TR AGENCY BOND ETF 464288166 644 5,665 SH   SOLE   0 0 5,665
ISHARES TR FLTG RATE NT ETF 46429B655 2,286 44,885 SH   SOLE   0 0 44,885
ISHARES INC CORE MSCI EMKT 46434G103 475 8,793 SH   SOLE   0 0 8,793
ISHARES GRWT ALLOCAT ETF 464289867 1,117 24,914 SH   SOLE   0 0 24,914
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 6,983 82,484 SH   SOLE   0 0 82,484
ISHARES TR CORE S&P TTL STK 464287150 2,182 37,871 SH   SOLE   0 0 37,871
VANGUARD INDEX FDS SMALL CP ETF 922908751 23,488 166,206 SH   SOLE   0 0 166,206
WISDOMTREE TR US HIGH DIVIDEND 97717W208 599 8,570 SH   SOLE   0 0 8,570
ISHARES TR IBOXX HI YD ETF 464288513 1,552 17,487 SH   SOLE   0 0 17,487
ISHARES MODERT ALLOC ETF 464289875 929 24,470 SH   SOLE   0 0 24,470
ISHARES AGGRES ALLOC ETF 464289859 1,117 20,847 SH   SOLE   0 0 20,847
FLEXSHARES TR MSTAR EMKT FAC 33939L308 6,634 117,938 SH   SOLE   0 0 117,938
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,475 19,106 SH   SOLE   0 0 19,106
ISHARES TR CORE US AGGBD ET 464287226 92,225 841,542 SH   SOLE   0 0 841,542
ISHARES TR MICRO-CAP ETF 464288869 19,133 202,576 SH   SOLE   0 0 202,576
SPDR SERIES TRUST BLOMBRG BRC TIPS 78464A656 1,197 21,240 SH   SOLE   0 0 21,240
ISHARES TR S&P 500 VAL ETF 464287408 40,063 371,259 SH   SOLE   0 0 371,259
ISHARES TR CORE MSCI EAFE 46432F842 792 12,341 SH   SOLE   0 0 12,341
ISHARES TR MSCI EMG MKT ETF 464287234 11,043 246,433 SH   SOLE   0 0 246,433
ISHARES CONSER ALLOC ETF 464289883 657 19,058 SH   SOLE   0 0 19,058
WISDOMTREE TR INTL SMCAP DIV 97717W760 50,555 683,644 SH   SOLE   0 0 683,644
ISHARES TR MSCI EAFE ETF 464287465 17,289 252,469 SH   SOLE   0 0 252,469
ISHARES TR EAFE VALUE ETF 464288877 33,335 610,527 SH   SOLE   0 0 610,527
FLEXSHARES TR MORNSTAR USMKT 33939L100 37,064 350,922 SH   SOLE   0 0 350,922
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 4,626 96,867 SH   SOLE   0 0 96,867
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 622 7,673 SH   SOLE   0 0 7,673
ISHARES TR CORE S&P500 ETF 464287200 20,318 80,332 SH   SOLE   0 0 80,332
SPDR GOLD TRUST GOLD SHS 78463V107 1,934 15,909 SH   SOLE   0 0 15,909
VANGUARD INDEX FDS SM CP VAL ETF 922908611 39,501 309,109 SH   SOLE   0 0 309,109
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 864 9,816 SH   SOLE   0 0 9,816