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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
PIMCO ETF TR INV GRD CRP BD 72201R817 4 32 SH   SOLE   0 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 296,783 1,828,606 SH   SOLE   0 0 0
VANGUARD INDEX FDS REIT ETF 922908553 169,365 1,803,093 SH   SOLE   0 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 751,066 2,540,047 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 110,700 2,635,091 SH   SOLE   0 0 0
ISHARES TR 1-3 YR TR BD ETF 464287457 224,209 2,634,034 SH   SOLE   0 0 0
ISHARES TR IBOXX INV CP ETF 464287242 227,923 1,738,678 SH   SOLE   0 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 326,375 7,636,283 SH   SOLE   0 0 0
SPDR SERIES TRUST SPDR BLOOMBERG 78468R663 23,806 260,063 SH   SOLE   0 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 23,806 471,398 SH   SOLE   0 0 0
ISHARES TR ULTR SH TRM BD 46434V878 23,845 472,551 SH   SOLE   0 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 23,796 237,249 SH   SOLE   0 0 0
ISHARES TR SHORT TREAS BD 464288679 23,814 215,257 SH   SOLE   0 0 0