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
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 6,038,139 39,135 SH SOLE 0 0 39,135
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 11,956,862 200,316 SH SOLE 0 0 200,316
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 22,759,118 257,049 SH SOLE 0 0 257,049
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 8,091,243 69,939 SH SOLE 0 0 69,939
VANGUARD INDEX FDS SM CP VAL ETF 922908611 6,121,647 25,193 SH SOLE 0 0 25,193
VANGUARD INDEX FDS TOTAL STK MKT 922908769 77,970,758 210,709 SH SOLE 0 0 210,709
ISHARES TR ESG MSCI LEADR 46435U218 1,838,593 13,849 SH SOLE 0 0 13,849
ISHARES TR INTL EQTY FACTOR 46434V274 12,632,596 308,413 SH SOLE 0 0 308,413
ISHARES INC MSCI CDA ETF 464286509 2,974,282 51,601 SH SOLE 0 0 51,601
ISHARES INC MSCI SWEDEN ETF 464286756 1,311,525 26,241 SH SOLE 0 0 26,241
ISHARES TR U S EQUITY FACTR 46434V282 13,016,452 172,107 SH SOLE 0 0 172,107
SPDR SERIES TRUST SST SPDR BLOOMBE 78464A151 5,389,245 172,843 SH SOLE 0 0 172,843
ISHARES TR 0-5YR HI YL CP 46434V407 1,359,665 32,060 SH SOLE 0 0 32,060
ISHARES TR 0-5YR INVT GR CP 46434V100 2,678,475 53,176 SH SOLE 0 0 53,176
ISHARES TR 3 7 YR TREAS BD 464288661 413,072 3,517 SH SOLE 0 0 3,517
ISHARES INC EURO HIGH YIELD 464286210 3,281,851 60,933 SH SOLE 0 0 60,933
ISHARES TR INTL TREA BD ETF 464288117 416,249 10,145 SH SOLE 0 0 10,145
ISHARES INC JP MORGAN EM ETF 464286517 2,250,912 53,050 SH SOLE 0 0 53,050
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 3,203,008 71,416 SH SOLE 0 0 71,416
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,303,692 34,260 SH SOLE 0 0 34,260