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
APPLE INC COM 037833100 740,102 2,558 SH SOLE 0 0 2,558
ISHARES INC CORE MSCI EMKT 46434G103 17,022,875 205,491 SH SOLE 151,978 0 53,513
ISHARES TR 1 3 YR TREAS BD 464287457 439,782 5,356 SH SOLE 0 0 5,356
ISHARES TR 20 YR TR BD ETF 464287432 208,359 2,411 SH SOLE 0 0 2,411
ISHARES TR 3 7 YR TREAS BD 464288661 1,938,043 16,501 SH SOLE 0 0 16,501
ISHARES TR 7-10 YR TRSY BD 464287440 51,255,144 541,981 SH SOLE 524,510 0 17,471
ISHARES TR BROAD USD HIGH 46435U853 6,861,991 185,359 SH SOLE 184,278 0 1,081
ISHARES TR CORE MSCI EAFE 46432F842 29,468,104 305,116 SH SOLE 246,589 0 58,527
ISHARES TR CORE S&P MCP ETF 464287507 29,218,255 378,917 SH SOLE 303,054 0 75,863
ISHARES TR CORE S&P SCP ETF 464287804 24,609,191 165,931 SH SOLE 128,387 0 37,544
ISHARES TR CORE S&P500 ETF 464287200 69,714,258 93,090 SH SOLE 68,633 0 24,457
ISHARES TR CORE US AGGBD ET 464287226 51,030,129 515,560 SH SOLE 453,172 0 62,388
ISHARES TR IBOXX HI YD ETF 464288513 19,369,134 242,205 SH SOLE 231,203 0 11,002
ISHARES TR IBOXX INV CP ETF 464287242 12,840,375 117,726 SH SOLE 113,486 0 4,240
ISHARES TR MSCI EAFE ETF 464287465 1,961,359 18,881 SH SOLE 0 0 18,881
ISHARES TR NATIONAL MUN ETF 464288414 1,789,016 16,623 SH SOLE 0 0 16,623
ISHARES TR RUS 1000 GRW ETF 464287614 769,358 6,196 SH SOLE 0 0 6,196
ISHARES TR SELECT DIVID ETF 464287168 350,738 2,244 SH SOLE 0 0 2,244
ISHARES TR US TREAS BD ETF 46429B267 4,266,808 187,305 SH SOLE 57,292 0 130,013
NVIDIA CORPORATION COM 67066G104 299,369 1,496 SH SOLE 0 0 1,496
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 357,002 9,846 SH SOLE 0 0 9,846
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 965,542 34,857 SH SOLE 0 0 34,857
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 569,178 23,081 SH SOLE 0 0 23,081
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,085,649 44,973 SH SOLE 0 0 44,973
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,386,974 59,964 SH SOLE 0 0 59,964
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 790,000 27,279 SH SOLE 0 0 27,279
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,129,052 38,364 SH SOLE 0 0 38,364
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 670,334 18,181 SH SOLE 0 0 18,181
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,088,678 30,132 SH SOLE 0 0 30,132
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 59,212,800 806,604 SH SOLE 638,182 0 168,422
VANGUARD INDEX FDS GROWTH ETF 922908736 567,232 6,585 SH SOLE 0 0 6,585
VANGUARD INDEX FDS MID CAP ETF 922908629 22,630,744 280,883 SH SOLE 226,340 0 54,543
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 65,810,135 95,820 SH SOLE 76,796 0 19,024
VANGUARD INDEX FDS SMALL CP ETF 922908751 23,170,190 76,439 SH SOLE 60,953 0 15,486
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 15,128,192 253,446 SH SOLE 206,152 0 47,294
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,296,315 25,629 SH SOLE 0 0 25,629
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,268,265 15,345 SH SOLE 0 0 15,345
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 15,837,533 200,399 SH SOLE 164,601 0 35,798
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 28,824,544 404,555 SH SOLE 328,987 0 75,568
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 46,315,275 293,079 SH SOLE 279,116 0 13,963