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
Expires: July 31, 2015
Estimated average burden
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
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 24,366,893 841,398 SH SOLE 0 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 21,872,277 605,509 SH SOLE 0 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 11,816,753 499,423 SH SOLE 0 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 17,744,357 352,236 SH SOLE 0 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 18,812,924 315,363 SH SOLE 0 0 0
SCHWAB STRATEGIC TR HIGH YIELD BD ET 808524631 6,136,666 234,403 SH SOLE 0 0 0
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853 12,516,234 217,032 SH SOLE 0 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,354,531 193,304 SH SOLE 0 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 7,719,397 160,420 SH SOLE 0 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 5,194,035 115,681 SH SOLE 0 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,263,197 89,994 SH SOLE 0 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 12,033,884 78,172 SH SOLE 0 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 3,367,743 69,531 SH SOLE 0 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,391,395 64,900 SH SOLE 0 0 0
SPDR SER TR PORTFLI HIGH YLD 78468R606 1,350,704 57,588 SH SOLE 0 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,370,954 51,734 SH SOLE 0 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,778,505 39,004 SH SOLE 0 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,940,238 37,476 SH SOLE 0 0 0
BNY MELLON ETF TRUST US LRG CP CORE 09661T107 4,592,292 32,027 SH SOLE 0 0 0
ISHARES INC CORE MSCI EMKT 46434G103 2,098,783 25,335 SH SOLE 0 0 0
ISHARES INC JP MORGAN EM ETF 464286517 953,910 22,524 SH SOLE 0 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 1,928,388 21,240 SH SOLE 0 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 1,391,666 20,599 SH SOLE 0 0 0
SPDR SER TR BLOOMBERG EMERGI 78464A391 430,381 20,573 SH SOLE 0 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 4,803,773 19,511 SH SOLE 0 0 0
ISHARES TR CORE MSCI INTL 46435G326 1,697,012 19,065 SH SOLE 0 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,183,691 16,124 SH SOLE 0 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,892,104 15,925 SH SOLE 0 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 1,067,815 15,898 SH SOLE 0 0 0
ISHARES TR CRE U S REIT ETF 464288521 1,051,864 15,829 SH SOLE 0 0 0
DBX ETF TR XTRACK INTL REAL 233051846 250,593 11,177 SH SOLE 0 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 282,862 11,084 SH SOLE 0 0 0
SPDR SER TR NUVEEN BBG BRCLY 78464A284 263,558 10,360 SH SOLE 0 0 0
BNY MELLON ETF TR CORE BOND ETF 09661T602 359,883 8,579 SH SOLE 0 0 0
ISHARES TR CORE S&P SCP ETF 464287804 757,398 5,107 SH SOLE 0 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 314,240 3,900 SH SOLE 0 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 372,772 3,866 SH SOLE 0 0 0
ISHARES TR MRGSTR SM CP ETF 464288505 270,316 3,580 SH SOLE 0 0 0
ISHARES TR CORE S&P MCP ETF 464287507 257,400 3,338 SH SOLE 0 0 0
ISHARES TR CORE S&P500 ETF 464287200 860,114 1,149 SH SOLE 0 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 454,668 662 SH SOLE 0 0 0