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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 3 25 SH   SOLE   0 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 240,665 2,084,764 SH   SOLE   0 0 0
VANGUARD INDEX FDS REIT ETF 922908553 135,335 1,937,513 SH   SOLE   0 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 631,099 2,664,888 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 93,945 2,800,152 SH   SOLE   0 0 0
ISHARES TR 1-3 YR TR BD ETF 464287457 218,665 2,522,970 SH   SOLE   0 0 0
ISHARES TR IBOXX INV CP ETF 464287242 208,349 1,686,900 SH   SOLE   0 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 278,083 8,340,835 SH   SOLE   0 0 0
SPDR SERIES TRUST SPDR BLOOMBERG 78468R663 28,884 315,222 SH   SOLE   0 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 28,842 580,681 SH   SOLE   0 0 0
ISHARES TR ULTR SH TRM BD 46434V878 29,026 581,096 SH   SOLE   0 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 28,933 287,122 SH   SOLE   0 0 0
ISHARES TR SHORT TREAS BD 464288679 28,928 260,566 SH   SOLE   0 0 0