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
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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 20,068,758 247,274 SH SOLE 0 0 247,274
ISHARES TR CORE MSCI EAFE 46432F842 15,742,322 162,493 SH SOLE 0 0 162,493
ISHARES TR RUS 1000 VAL ETF 464287598 97,791,774 394,433 SH SOLE 0 0 394,433
ISHARES TR RUS 1000 GRW ETF 464287614 95,867,741 765,350 SH SOLE 0 0 765,350
ISHARES TR RUS 2000 VAL ETF 464287630 48,398,240 231,073 SH SOLE 0 0 231,073
ISHARES TR RUS 2000 GRW ETF 464287648 21,784,462 61,038 SH SOLE 0 0 61,038
ISHARES TR RUS MD CP GR ETF 464287481 87,282,236 633,950 SH SOLE 0 0 633,950
ISHARES TR RUS MDCP VAL ETF 464287473 109,460,725 680,980 SH SOLE 0 0 680,980
ISHARES TR 1 3 YR TREAS BD 464287457 502,466 6,188 SH SOLE 0 0 6,188
ISHARES TR ISHS 1-5YR INVS 464288646 16,766,862 327,286 SH SOLE 0 0 327,286
ISHARES TR 3 7 YR TREAS BD 464288661 439,920 3,878 SH SOLE 0 0 3,878
ISHARES TR FLTG RATE NT ETF 46429B655 713,934 13,985 SH SOLE 0 0 13,985
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 40,862,040 1,712,575 SH SOLE 0 0 1,712,575
SCHWAB STRATEGIC TR US TIPS ETF 808524870 41,446,029 1,649,265 SH SOLE 0 0 1,649,265
SPDR SERIES TRUST ST SHOR CORP ETF 78464A474 369,609 12,491 SH SOLE 0 0 12,491
SPDR SERIES TRUST ST INTER ETF 78464A672 79,879,823 2,928,146 SH SOLE 0 0 2,928,146
SPDR SERIES TRUST ST INTER BD ETF 78464A375 46,485,460 1,440,070 SH SOLE 0 0 1,440,070
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 209,563,027 969,840 SH SOLE 0 0 969,840
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 107,775,957 466,502 SH SOLE 0 0 466,502
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 216,602,814 2,403,760 SH SOLE 0 0 2,403,760
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 50,145,120 148,433 SH SOLE 0 0 148,433
VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 201,446,765 689,650 SH SOLE 0 0 689,650
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 240,067,823 1,227,780 SH SOLE 0 0 1,227,780
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 251,218 3,208 SH SOLE 0 0 3,208
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 276,323 3,577 SH SOLE 0 0 3,577
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 470,561 8,305 SH SOLE 0 0 8,305