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 21,729,016 262,301 SH SOLE 0 0 262,301
ISHARES TR CORE MSCI EAFE 46432F842 16,011,513 165,785 SH SOLE 0 0 165,785
ISHARES TR RUS 1000 VAL ETF 464287598 103,792,288 428,133 SH SOLE 0 0 428,133
ISHARES TR RUS 1000 GRW ETF 464287614 91,112,320 733,771 SH SOLE 0 0 733,771
ISHARES TR RUS 2000 VAL ETF 464287630 51,731,213 233,866 SH SOLE 0 0 233,866
ISHARES TR RUS 2000 GRW ETF 464287648 29,395,377 74,615 SH SOLE 0 0 74,615
ISHARES TR RUS MD CP GR ETF 464287481 82,431,383 563,017 SH SOLE 0 0 563,017
ISHARES TR RUS MDCP VAL ETF 464287473 116,862,056 709,976 SH SOLE 0 0 709,976
ISHARES TR 1 3 YR TREAS BD 464287457 508,097 6,188 SH SOLE 0 0 6,188
ISHARES TR ISHS 1-5YR INVS 464288646 16,203,656 309,171 SH SOLE 0 0 309,171
ISHARES TR 3 7 YR TREAS BD 464288661 455,471 3,878 SH SOLE 0 0 3,878
ISHARES TR FLTG RATE NT ETF 46429B655 713,934 13,985 SH SOLE 0 0 13,985
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 38,930,031 1,612,677 SH SOLE 0 0 1,612,677
SCHWAB STRATEGIC TR US TIPS ETF 808524870 39,756,311 1,500,238 SH SOLE 0 0 1,500,238
SPDR SERIES TRUST ST SHOR CORP ETF 78464A474 374,855 12,491 SH SOLE 0 0 12,491
SPDR SERIES TRUST ST INTER ETF 78464A672 75,229,841 2,649,871 SH SOLE 0 0 2,649,871
SPDR SERIES TRUST ST INTER BD ETF 78464A375 44,261,121 1,322,807 SH SOLE 0 0 1,322,807
VANGUARD INDEX FDS VALUE ETF 922908744 213,936,651 981,676 SH SOLE 0 0 981,676
VANGUARD INDEX FDS SM CP VAL ETF 922908611 112,538,875 463,142 SH SOLE 0 0 463,142
VANGUARD INDEX FDS GROWTH ETF 922908736 211,978,911 2,460,865 SH SOLE 0 0 2,460,865
VANGUARD INDEX FDS SML CP GRW ETF 922908595 54,543,789 149,149 SH SOLE 0 0 149,149
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 204,095,960 666,327 SH SOLE 0 0 666,327
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 241,696,218 1,223,159 SH SOLE 0 0 1,223,159
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 265,141 3,208 SH SOLE 0 0 3,208
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 282,690 3,577 SH SOLE 0 0 3,577
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 489,829 8,305 SH SOLE 0 0 8,305