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
Expires: July 31, 2015
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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
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 2,722,259 62,280 SH SOLE 0 0 62,280
BNY MELLON ETF TRUST GLOBAL INFRASCTR 09661T826 5,647,018 125,573 SH SOLE 0 0 125,573
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 12,795,920 652,354 SH SOLE 0 0 652,354
ISHARES TR CORE S&P500 ETF 464287200 11,522,343 15,386 SH SOLE 0 0 15,386
ISHARES TR 7-10 YR TRSY BD 464287440 21,379,809 226,074 SH SOLE 0 0 226,074
ISHARES TR 1 3 YR TREAS BD 464287457 1,526,261 18,588 SH SOLE 0 0 18,588
ISHARES TR MSCI EAFE ETF 464287465 1,641,273 15,800 SH SOLE 0 0 15,800
ISHARES TR CORE S&P MCP ETF 464287507 7,075,388 91,757 SH SOLE 0 0 91,757
ISHARES TR RUSSELL 3000 ETF 464287689 431,943 1,013 SH SOLE 0 0 1,013
ISHARES TR CORE S&P SCP ETF 464287804 8,878,255 59,863 SH SOLE 0 0 59,863
ISHARES TR SHRT NAT MUN ETF 464288158 2,799,629 26,295 SH SOLE 0 0 26,295
ISHARES TR NATIONAL MUN ETF 464288414 2,680,061 24,903 SH SOLE 0 0 24,903
ISHARES TR CORE MSCI EAFE 46432F842 25,049,953 259,370 SH SOLE 0 0 259,370
ISHARES INC CORE MSCI EMKT 46434G103 14,208,683 171,520 SH SOLE 0 0 171,520
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,260,744 1,688 SH SOLE 0 0 1,688
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 1,260,015 24,334 SH SOLE 0 0 24,334
SPDR INDEX SHS FDS ST DOW GLOBA ETF 78463X749 1,213,769 24,417 SH SOLE 0 0 24,417
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 3,197,447 63,454 SH SOLE 0 0 63,454
SPDR SERIES TRUST ST STR P400MID 78464A847 328,071 4,856 SH SOLE 0 0 4,856
SPDR SERIES TRUST ST STR SP600 SML 78468R853 3,098,436 53,727 SH SOLE 0 0 53,727
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,052,377 36,339 SH SOLE 0 0 36,339
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,704,735 91,904 SH SOLE 0 0 91,904
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 684,897 18,576 SH SOLE 0 0 18,576
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 904,542 24,946 SH SOLE 0 0 24,946
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,551,671 56,017 SH SOLE 0 0 56,017
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 204,747 8,852 SH SOLE 0 0 8,852
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 17,091,415 309,739 SH SOLE 0 0 309,739
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,889,130 57,120 SH SOLE 0 0 57,120
VANGUARD INDEX FDS SMALL CP ETF 922908751 215,231 710 SH SOLE 0 0 710