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
ISHARES INC MSCI FRNTR100ETF 464286145 1,004 39,219 SH   SOLE   0 0 39,219
ISHARES TR CORE S&P MCP ETF 464287507 2,517 13,581 SH   SOLE   0 0 13,581
ISHARES TR CORE S&P SCP ETF 464287804 3,656 52,063 SH   SOLE   0 0 52,063
ISHARES TR CORE S&P500 ETF 464287200 5,348 15,915 SH   SOLE   0 0 15,915
ISHARES TR FLTG RATE NT ETF 46429B655 2,133 42,046 SH   SOLE   0 0 42,046
ISHARES TR IBOXX INV CP ETF 464287242 12,831 95,247 SH   SOLE   0 0 95,247
ISHARES TR MICRO-CAP ETF 464288869 1,608 17,771 SH   SOLE   0 0 17,771
ISHARES TR NATIONAL MUN ETF 464288414 3,636 31,365 SH   SOLE   0 0 31,365
ISHARES TR PFD AND INCM SEC 464288687 2,052 56,309 SH   SOLE   0 0 56,309
ISHARES TR RUS 1000 ETF 464287622 200 1,070 SH   SOLE   0 0 1,070
ISHARES TR RUS 1000 GRW ETF 464287614 327 1,507 SH   SOLE   0 0 1,507
ISHARES TR US TREAS BD ETF 46429B267 1,423 50,895 SH   SOLE   0 0 50,895
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 7,143 129,165 SH   SOLE   0 0 129,165
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 1,253 33,358 SH   SOLE   0 0 33,358
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 411 9,266 SH   SOLE   0 0 9,266
SPDR SER TR BLOOMBERG BRCLYS 78468R622 2,048 19,644 SH   SOLE   0 0 19,644
SPDR SER TR NUVEEN BBG BRCLY 78464A284 550 9,679 SH   SOLE   0 0 9,679
SPDR SER TR NUVEEN BLMBRG SR 78468R739 1,042 20,897 SH   SOLE   0 0 20,897
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,943 47,474 SH   SOLE   0 0 47,474
VANGUARD INDEX FDS GROWTH ETF 922908736 7,727 33,946 SH   SOLE   0 0 33,946
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,676 14,853 SH   SOLE   0 0 14,853
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,194 21,645 SH   SOLE   0 0 21,645
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,988 25,178 SH   SOLE   0 0 25,178
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,854 112,250 SH   SOLE   0 0 112,250
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,467 13,936 SH   SOLE   0 0 13,936
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 569 11,711 SH   SOLE   0 0 11,711
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 7,925 193,776 SH   SOLE   0 0 193,776
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 2,098 26,595 SH   SOLE   0 0 26,595