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 CORE MSCI EMKT 46434G103 13,517,376 225,177 SH SOLE 0 0 225,177
ISHARES TR CORE MSCI EAFE 46432F842 13,990,745 167,594 SH SOLE 0 0 167,594
ISHARES TR 0-5 YR TIPS ETF 46429B747 217,140 2,110 SH SOLE 0 0 2,110
ISHARES TR FLTG RATE NT ETF 46429B655 899,738 17,635 SH SOLE 0 0 17,635
ISHARES TR RUS 1000 VAL ETF 464287598 81,192,611 418,023 SH SOLE 0 0 418,023
ISHARES TR RUS 1000 GRW ETF 464287614 83,918,151 197,650 SH SOLE 0 0 197,650
ISHARES TR RUS 2000 VAL ETF 464287630 47,278,028 299,683 SH SOLE 0 0 299,683
ISHARES TR RUS 2000 GRW ETF 464287648 9,672,111 33,835 SH SOLE 0 0 33,835
ISHARES TR RUS MD CP GR ETF 464287481 73,348,329 528,903 SH SOLE 0 0 528,903
ISHARES TR RUS MDCP VAL ETF 464287473 98,301,462 743,919 SH SOLE 0 0 743,919
ISHARES TR 1 3 YR TREAS BD 464287457 558,808 6,744 SH SOLE 0 0 6,744
ISHARES TR 7-10 YR TRSY BD 464287440 331,939 3,466 SH SOLE 0 0 3,466
ISHARES TR ISHS 1-5YR INVS 464288646 19,452,194 368,692 SH SOLE 0 0 368,692
ISHARES TR 3 7 YR TREAS BD 464288661 540,788 4,541 SH SOLE 0 0 4,541
ISHARES TR ISHS 5-10YR INVT 464288638 302,208 5,671 SH SOLE 0 0 5,671
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 45,753,174 1,876,668 SH SOLE 0 0 1,876,668
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 329,996 13,184 SH SOLE 0 0 13,184
SCHWAB STRATEGIC TR US TIPS ETF 808524870 41,776,989 1,565,854 SH SOLE 0 0 1,565,854
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 218,849 8,821 SH SOLE 0 0 8,821
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 461,273 15,279 SH SOLE 0 0 15,279
SPDR SERIES TRUST PORTFOLIO SH TSR 78468R101 332,910 11,366 SH SOLE 0 0 11,366
SPDR SERIES TRUST PORTFLI INTRMDIT 78464A672 84,830,362 2,948,570 SH SOLE 0 0 2,948,570
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 51,006,877 1,518,966 SH SOLE 0 0 1,518,966
VANGUARD INDEX FDS VALUE ETF 922908744 164,145,508 928,740 SH SOLE 0 0 928,740
VANGUARD INDEX FDS SM CP VAL ETF 922908611 88,492,613 453,785 SH SOLE 0 0 453,785
VANGUARD INDEX FDS GROWTH ETF 922908736 149,283,530 340,519 SH SOLE 0 0 340,519
VANGUARD INDEX FDS SML CP GRW ETF 922908595 14,384,264 51,940 SH SOLE 0 0 51,940
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 108,118,821 380,178 SH SOLE 0 0 380,178
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 195,758,712 1,190,312 SH SOLE 0 0 1,190,312
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 297,434 3,587 SH SOLE 0 0 3,587
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 304,247 3,827 SH SOLE 0 0 3,827
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 855,522 14,304 SH SOLE 0 0 14,304