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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 US AGGBD ET 464287226 1,700,876 17,184 SH SOLE 17,184 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 1,878,292 4,405 SH SOLE 4,405 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 1,393,782 32,864 SH SOLE 32,864 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,040,055 39,247 SH SOLE 39,247 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 6,615,810 92,853 SH SOLE 92,853 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 975,338 20,139 SH SOLE 20,139 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,089,674 35,009 SH SOLE 35,009 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,691,918 21,409 SH SOLE 21,409 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,058,938 5,910 SH SOLE 5,910 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 827,008 10,264 SH SOLE 10,264 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 559,021 1,844 SH SOLE 1,844 0 0