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 25,900 317,523 SH   SOLE   0 0 0
Vanguard Total International Bond ETF 92203J407 23,764 437,087 SH   SOLE   0 0 0
Vanguard Total Stock Market ETF 922908769 19,683 143,412 SH   SOLE   0 0 0
Vanguard Small-Cap Value ETF 922908611 17,558 132,231 SH   SOLE   0 0 0
iShares MSCI EAFE Value ETF 464288877 13,953 252,748 SH   SOLE   0 0 0
Vanguard Value ETF 922908744 11,918 112,100 SH   SOLE   0 0 0
Vanguard FTSE All-World ex-US Sm-Cp ETF 922042718 11,783 98,826 SH   SOLE   0 0 0
Vanguard FTSE Developed Markets ETF 921943858 11,323 252,415 SH   SOLE   0 0 0
iShares Edge MSCI USA Momentum Fctr ETF 46432F396 11,138 108,001 SH   SOLE   0 0 0
Vanguard Mid-Cap Value ETF 922908512 8,838 79,213 SH   SOLE   0 0 0
Vanguard Short-Term Bond ETF 921937827 8,634 109,149 SH   SOLE   0 0 0
Vanguard FTSE Emerging Markets ETF 922042858 5,432 118,320 SH   SOLE   0 0 0
iShares National Muni Bond ETF 464288414 4,617 41,694 SH   SOLE   0 0 0
SPDR Blmbg Barclays High Yield Bd ETF 78464A417 4,581 124,754 SH   SOLE   0 0 0
Vanguard Short-Term Corporate Bond ETF 92206C409 4,081 51,459 SH   SOLE   0 0 0
iShares US Preferred Stock ETF 464288687 3,646 95,783 SH   SOLE   0 0 0
iShares Edge MSCI USA Quality Factor ETF 46432F339 3,009 36,297 SH   SOLE   0 0 0
iShares Edge MSCI Min Vol USA ETF 46429B697 2,930 55,509 SH   SOLE   0 0 0
SPDR Nuveen Blmbg Barclays ST MunBd ETF 78468R739 2,785 58,124 SH   SOLE   0 0 0
Vanguard Short-Term Infl-Prot Secs ETF 922020805 2,704 55,379 SH   SOLE   0 0 0
iShares JPMorgan USD Emerg Markets Bond ETF 464288281 2,395 20,630 SH   SOLE   0 0 0
Vanguard REIT ETF 922908553 2,357 28,401 SH   SOLE   0 0 0
Vanguard Mortgage-Backed Secs ETF 92206C771 2,223 42,395 SH   SOLE   0 0 0
SPDR Blmbg BarclaysST HY Bd ETF 78468R408 2,205 80,002 SH   SOLE   0 0 0
iShares Edge MSCI Min Vol EAFE ETF 46429B689 2,061 28,237 SH   SOLE   0 0 0
Vanguard Global ex-US Real Estate ETF 922042676 1,611 26,635 SH   SOLE   0 0 0
iShares MSCI Frontier 100 ETF 464286145 1,473 44,469 SH   SOLE   0 0 0
iShares Short-Term National Muni Bond ETF 464288158 1,222 11,657 SH   SOLE   0 0 0
iShares Edge MSCI Min Vol Emerging Mkts ETF 464286533 894 14,710 SH   SOLE   0 0 0
SPDR S&P International Small Cap ETF 78463X871 694 19,548 SH   SOLE   0 0 0
iShares Short Treasury Bond ETF 464288679 575 5,217 SH   SOLE   0 0 0