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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
OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
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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 CRE U S REIT ETF 464288521 21,754,203 353,267 SH SOLE 0 0 353,267
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 22,470,159 616,465 SH SOLE 0 0 616,465
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,650,000 88,333 SH SOLE 0 0 88,333
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 51,012,491 1,499,485 SH SOLE 0 0 1,499,485
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 49,179,921 1,507,200 SH SOLE 0 0 1,507,200
SPDR SERIES TRUST ST STR BACKE ETF 78464A383 17,167,159 812,070 SH SOLE 0 0 812,070
SPDR SERIES TRUST ST STR CONV ETF 78464A359 241,426 2,386 SH SOLE 0 0 2,386
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 77,480,135 600,947 SH SOLE 0 0 600,947