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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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hours per response: 23.8
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 TR CRE U S REIT ETF 464288521 23,382,295 351,878 SH SOLE 0 0 351,878
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 22,382,872 617,288 SH SOLE 0 0 617,288
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,496,824 84,839 SH SOLE 0 0 84,839
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 55,278,060 1,499,269 SH SOLE 0 0 1,499,269
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 54,516,706 1,508,904 SH SOLE 0 0 1,508,904
SCHWAB STRATEGIC TR US TIPS ETF 808524870 222,330 8,390 SH SOLE 0 0 8,390
SPDR SERIES TRUST ST STR BACKE ETF 78464A383 17,878,648 801,374 SH SOLE 0 0 801,374
SPDR SERIES TRUST ST STR CONV ETF 78464A359 302,376 2,804 SH SOLE 0 0 2,804
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 76,865,575 601,405 SH SOLE 0 0 601,405