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
VANGUARD INDEX FDS SMALL CP ETF 922908751 35 165 SH   SOLE   0 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,932,119 5,303,650 SH   SOLE   0 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 27 554 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 11 211 SH   SOLE   0 0 0
SPDR SERIES TRUST SPDR BLOOMBERG 78468R663 31,302 342,100 SH   SOLE   0 0 0
PIMCO ETF TR INV GRD CRP BD 72201R817 11 101 SH   SOLE   0 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 31,252 312,115 SH   SOLE   0 0 0
ISHARES TR ULTR SH TRM BD 46434V878 31,407 621,681 SH   SOLE   0 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 31,461 619,851 SH   SOLE   0 0 0
ISHARES TR IBOXX INV CP ETF 464287242 14 106 SH   SOLE   0 0 0
ISHARES TR SHORT TREAS BD 464288679 31,274 282,995 SH   SOLE   0 0 0
ISHARES TR 1-3 YR TR BD ETF 464287457 13 150 SH   SOLE   0 0 0
VANGUARD INDEX FDS REIT ETF 922908553 14 151 SH   SOLE   0 0 0
ISHARES TR CORE S&P MCP ETF 464287507 308,493 1,185,238 SH   SOLE   0 0 0
ISHARES TR CORE S&P SCP ETF 464287804 150,010 1,382,200 SH   SOLE   0 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 1,004,404 14,291,463 SH   SOLE   0 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 240,300 4,685,115 SH   SOLE   0 0 0
ISHARES TR CORE US AGGBD ET 464287226 557,191 4,894,939 SH   SOLE   0 0 0