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 Total Bond Market ETF 921937835 23,271 283,936 SH   SOLE   0 0 0
Vanguard Total International Bond ETF 92203J407 21,383 391,693 SH   SOLE   0 0 0
Vanguard Total Stock Market ETF 922908769 17,710 136,737 SH   SOLE   0 0 0
Vanguard Small-Cap Value ETF 922908611 16,177 126,589 SH   SOLE   0 0 0
iShares MSCI EAFE Value ETF 464288877 13,165 241,119 SH   SOLE   0 0 0
Vanguard Value ETF 922908744 10,674 106,929 SH   SOLE   0 0 0
Vanguard FTSE All-World ex-US Sm-Cp ETF 922042718 10,663 92,776 SH   SOLE   0 0 0
Vanguard FTSE Developed Markets ETF 921943858 10,331 237,977 SH   SOLE   0 0 0
iShares Edge MSCI USA Momentum Fctr ETF 46432F396 9,148 95,608 SH   SOLE   0 0 0
Vanguard Short-Term Bond ETF 921937827 8,170 102,353 SH   SOLE   0 0 0
Vanguard Mid-Cap Value ETF 922908512 7,733 73,200 SH   SOLE   0 0 0
Vanguard FTSE Emerging Markets ETF 922042858 4,882 112,055 SH   SOLE   0 0 0
SPDR Blmbg Barclays High Yield Bd ETF 78464A417 4,244 113,719 SH   SOLE   0 0 0
iShares National Muni Bond ETF 464288414 4,023 36,284 SH   SOLE   0 0 0
Vanguard Short-Term Corporate Bond ETF 92206C409 3,987 49,760 SH   SOLE   0 0 0
iShares US Preferred Stock ETF 464288687 3,387 87,280 SH   SOLE   0 0 0
iShares Edge MSCI USA Quality Factor ETF 46432F339 2,744 35,576 SH   SOLE   0 0 0
iShares Edge MSCI Min Vol USA ETF 46429B697 2,724 54,112 SH   SOLE   0 0 0
SPDR Nuveen Blmbg Barclays ST MunBd ETF 78468R739 2,709 55,744 SH   SOLE   0 0 0
Vanguard Short-Term Infl-Prot Secs ETF 922020805 2,653 53,648 SH   SOLE   0 0 0
iShares JPMorgan USD Emerg Markets Bond ETF 464288281 2,208 18,965 SH   SOLE   0 0 0
Vanguard REIT ETF 922908553 2,168 26,088 SH   SOLE   0 0 0
SPDR Blmbg BarclaysST HY Bd ETF 78468R408 2,049 73,257 SH   SOLE   0 0 0
Vanguard Mortgage-Backed Secs ETF 92206C771 2,033 38,509 SH   SOLE   0 0 0
iShares Edge MSCI Min Vol EAFE ETF 46429B689 1,944 27,356 SH   SOLE   0 0 0
Vanguard Global ex-US Real Estate ETF 922042676 1,474 24,811 SH   SOLE   0 0 0
iShares MSCI Frontier 100 ETF 464286145 1,263 40,307 SH   SOLE   0 0 0
iShares Short-Term National Muni Bond ETF 464288158 1,232 11,630 SH   SOLE   0 0 0
iShares Edge MSCI Min Vol Emerging Mkts ETF 464286533 804 13,842 SH   SOLE   0 0 0
SPDR S&P International Small Cap ETF 78463X871 714 20,393 SH   SOLE   0 0 0
iShares Short Treasury Bond ETF 464288679 652 5,909 SH   SOLE   0 0 0