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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
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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 TR CORE 80 20 ETF 464289859 940,376 9,635 SH SOLE 0 0 0 9,635
ISHARES TR CORE S&P500 ETF 464287200 3,778,899 5,046 SH SOLE 0 0 0 5,046
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 933,123 15,821 SH SOLE 0 0 0 15,821
ISHARES TR CORE MSCI TOTAL 46432F834 1,543,169 16,169 SH SOLE 0 0 0 16,169
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 19,715,189 330,293 SH SOLE 0 0 0 330,293
ISHARES TR TRS FLT RT BD 46434V860 51,214,523 1,011,545 SH SOLE 0 0 0 1,011,545
ISHARES TR CORE MSCI EAFE 46432F842 52,543,576 544,042 SH SOLE 0 0 0 544,042
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 741,288 8,969 SH SOLE 0 0 0 8,969
ISHARES TR CORE UNIVRSL USD 46434V613 51,141,722 1,108,163 SH SOLE 0 0 0 1,108,163
NVIDIA CORPORATION COM 67066G104 238,907 1,194 SH SOLE 0 0 0 1,194
VANGUARD INDEX FDS TOTAL STK MKT 922908769 123,526,383 333,819 SH SOLE 0 0 0 333,819
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 500,524 10,335 SH SOLE 0 0 0 10,335
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 685,424 7,108 SH SOLE 0 0 0 7,108
ISHARES TR CORE S&P MCP ETF 464287507 217,604 2,822 SH SOLE 0 0 0 2,822
SCHWAB STRATEGIC TR US TIPS ETF 808524870 339,969 12,829 SH SOLE 0 0 0 12,829
ISHARES TR MBS ETF 464288588 536,023 5,671 SH SOLE 0 0 0 5,671
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,649,438 23,150 SH SOLE 0 0 0 23,150