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
APPLE INC COM 037833100 852,070 2,559 SH SOLE 0 0 2,559
ISHARES INC CORE MSCI EMKT 46434G103 16,733,650 206,181 SH SOLE 152,898 0 53,283
ISHARES TR 1 3 YR TREAS BD 464287457 434,908 5,356 SH SOLE 0 0 5,356
ISHARES TR 3 7 YR TREAS BD 464288661 1,755,598 15,476 SH SOLE 0 0 15,476
ISHARES TR 7-10 YR TRSY BD 464287440 50,194,185 562,022 SH SOLE 541,658 0 20,364
ISHARES TR BROAD USD HIGH 46435U853 7,045,663 197,247 SH SOLE 195,848 0 1,399
ISHARES TR CORE MSCI EAFE 46432F842 29,597,131 305,503 SH SOLE 246,589 0 58,914
ISHARES TR CORE S&P MCP ETF 464287507 27,147,206 377,307 SH SOLE 303,054 0 74,253
ISHARES TR CORE S&P SCP ETF 464287804 22,622,059 166,290 SH SOLE 129,768 0 36,522
ISHARES TR CORE S&P500 ETF 464287200 70,214,749 91,682 SH SOLE 68,633 0 23,049
ISHARES TR CORE US AGGBD ET 464287226 50,971,714 539,155 SH SOLE 479,077 0 60,078
ISHARES TR IBOXX HI YD ETF 464288513 18,698,332 242,175 SH SOLE 231,203 0 10,972
ISHARES TR IBOXX INV CP ETF 464287242 12,227,881 119,670 SH SOLE 116,392 0 3,278
ISHARES TR MSCI EAFE ETF 464287465 1,960,613 18,872 SH SOLE 0 0 18,872
ISHARES TR NATIONAL MUN ETF 464288414 1,242,565 12,290 SH SOLE 0 0 12,290
ISHARES TR RUS 1000 GRW ETF 464287614 776,111 6,196 SH SOLE 0 0 6,196
ISHARES TR SELECT DIVID ETF 464287168 335,619 2,207 SH SOLE 0 0 2,207
ISHARES TR US TREAS BD ETF 46429B267 3,984,714 182,200 SH SOLE 57,651 0 124,549
NVIDIA CORPORATION COM 67066G104 305,155 1,336 SH SOLE 0 0 1,336
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 330,368 9,064 SH SOLE 0 0 9,064
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 941,360 34,269 SH SOLE 0 0 34,269
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 559,534 23,609 SH SOLE 0 0 23,609
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,090,235 45,693 SH SOLE 0 0 45,693
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,343,819 60,806 SH SOLE 0 0 60,806
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 788,908 26,916 SH SOLE 0 0 26,916
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,139,160 37,972 SH SOLE 0 0 37,972
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 615,865 18,103 SH SOLE 0 0 18,103
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 971,957 29,787 SH SOLE 0 0 29,787
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 59,320,805 845,628 SH SOLE 669,225 0 176,403
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 592,294 6,573 SH SOLE 0 0 6,573
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 22,411,731 285,791 SH SOLE 231,600 0 54,191
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 21,878,135 76,903 SH SOLE 61,602 0 15,301
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 67,192,850 95,872 SH SOLE 76,801 0 19,071
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 15,096,768 254,540 SH SOLE 206,927 0 47,613
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,908,940 40,307 SH SOLE 0 0 40,307
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,227,980 15,681 SH SOLE 0 0 15,681
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 15,962,786 206,638 SH SOLE 166,972 0 39,666
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 28,507,588 403,733 SH SOLE 328,987 0 74,746
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 45,786,173 295,014 SH SOLE 281,416 0 13,598