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
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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 Ttl Stk ETF 922908769 144,900,489 451,671 SH SOLE 0 451,671 0 0
iShs 7-10 ys Tsy ETF 464287440 39,415,575 412,988 SH SOLE 0 412,988 0 0
Schwab Inter Tsy ETF 808524854 35,108,422 1,409,411 SH SOLE 0 1,409,411 0 0
Vanguard FTSE All ETF 922042775 19,687,765 262,154 SH SOLE 0 262,154 0 0
Schwb US Broad ETF 808524102 10,916,662 434,927 SH SOLE 0 434,927 0 0
iShs Lehman 1-3Tsy ETF 464287457 8,547,564 103,519 SH SOLE 0 103,519 0 0
Vanguard Tx Ex Bd ETF 922907746 8,141,100 163,181 SH SOLE 0 163,181 0 0
Schwab Intl Equity ETF 808524805 4,257,853 172,034 SH SOLE 0 172,034 0 0
SPDR Brcy1-3 Ser ETF 78468R663 3,760,722 41,038 SH SOLE 0 41,038 0 0
Apple COM 037833100 1,466,906 5,780 SH SOLE 0 5,780 0 0
SPDR S&P 500 ETF 78462F103 1,445,065 2,222 SH SOLE 0 2,222 0 0
Vanguard Indx ETF 922908363 1,074,992 1,799 SH SOLE 0 1,799 0 0
Vanguard Bd Inx ETF 921937835 651,309 8,845 SH SOLE 0 8,845 0 0
Vanguard Indx Fd ETF 922908736 502,309 1,150 SH SOLE o 1,150 0 0
Microsoft COM 594918104 492,326 1,330 SH SOLE 0 1,330 0 0
iShs Core S&P ETF 464287200 432,425 662 SH SOLE 0 662 0 0
Vanguard Inx Lrg ETF 922908637 431,838 1,445 SH SOLE 0 1,445 0 0
Exxon Mobil COM 30231G102 343,222 2,023 SH SOLE 0 2,023 0 0
iShs MSCI USA ETF 46432F339 303,252 1,581 SH SOLE 0 1,581 0 0
Vanguard Info Tech ETF 92204A702 260,250 373 SH SOLE 0 373 0 0
Invesco Rusl 1000 ETF 46138J619 253,105 4,210 SH SOLE 0 4,210 0 0
iShs MSCI EAFE ETF 464287465 248,459 2,558 SH SOLE 0 2,558 0 0
Invesco QQQ Tr ETF 46090E103 245,302 425 SH SOLE 0 425 0 0
Vanguard Indx Fd ETF 922908751 232,323 887 SH SOLE 0 887 0 0
Duke Energy COM 26441C204 230,126 1,757 SH SOLE 0 1,757 0 0
Schwab Stratgc Tr ETF 808524201 201,690 7,866 SH SOLE 0 7,866 0 0