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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 INC CORE MSCI EMKT 46434G103 126,000,965 1,521,016 SH SOLE 1 1,521,016 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 250,148,473 9,439,565 SH SOLE 1 9,439,565 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 172,718,736 2,251,874 SH SOLE 1 2,251,874 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 189,611,748 2,750,787 SH SOLE 1 2,750,787 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 310,016,511 3,979,162 SH SOLE 1 3,979,162 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 233,193,889 4,815,071 SH SOLE 1 4,815,071 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 42,085,168 170,932 SH SOLE 1 170,932 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 350,731,328 4,071,643 SH SOLE 1 4,071,643 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 261,143,706 380,227 SH SOLE 1 380,227 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 88,856,597 293,140 SH SOLE 1 293,140 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 302,681,989 817,971 SH SOLE 1 817,971 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 319,443,102 1,465,806 SH SOLE 1 1,465,806 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 275,909,266 3,294,439 SH SOLE 1 3,294,439 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 133,944,897 2,244,009 SH SOLE 1 2,244,009 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 121,312,461 1,370,143 SH SOLE 1 1,370,143 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 85,656,529 740,397 SH SOLE 1 740,397 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 181,651,916 3,880,622 SH SOLE 1 3,880,622 0 0
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 151,854,422 458,185 SH SOLE 1 458,185 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 123,057,298 1,439,435 SH SOLE 1 1,439,435 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 187,372,965 2,629,796 SH SOLE 1 2,629,796 0 0