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
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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
Vanguard Value VANGUARD INDEX FDS 922908744 8,974,703 41,534 SH SOLE 0 0 0
Vanguard Growth VANGUARD INDEX FDS 922908736 8,878,152 98,526 SH SOLE 0 0 0
Schw US LCap Gro ETF SCHWAB STRATEGIC TR 808524300 8,538,835 237,652 SH SOLE 0 0 0
Vanguard Total International B VANGUARD CHARLOTTE FDS 92203J407 7,750,890 165,370 SH SOLE 0 0 0
Sch St US Trsr Etf SCHWAB STRATEGIC TR 808524862 6,265,205 262,582 SH SOLE 0 0 0
Schw US LCap Val ETF SCHWAB STRATEGIC TR 808524409 6,091,934 182,886 SH SOLE 0 0 0
Vanguard Total VANGUARD STAR FDS 921909768 6,063,446 71,368 SH SOLE 0 0 0
Spdr Portfolio Dvlpd SPDR INDEX SHS FDS 78463X889 6,041,260 120,320 SH SOLE 0 0 0
Vanguard Bond Index Fund Total VANGUARD BD INDEX FDS 921937835 5,461,603 77,856 SH SOLE 0 0 0
Vanguard Bond Index Fund Short VANGUARD BD INDEX FDS 921937827 5,460,477 71,472 SH SOLE 0 0 0
Vanguard Intl Eqty IndexFTSE A VANGUARD INTL EQUITY INDEX F 922042775 5,206,160 62,748 SH SOLE 0 0 0
Schw Intl Eq ETF SCHWAB STRATEGIC TR 808524805 5,030,561 183,129 SH SOLE 0 0 0
Ishares Core RUSsell Us ISHARES TR 464287671 4,441,952 22,926 SH SOLE 0 0 0
Schwab US Mid-Cap ETF SCHWAB STRATEGIC TR 808524508 4,377,570 128,676 SH SOLE 0 0 0
Vanguard Mid Cap VANGUARD INDEX FDS 922908629 4,277,504 54,546 SH SOLE 0 0 0
Sch US Agg Bnd Etf SCHWAB STRATEGIC TR 808524839 4,059,824 183,702 SH SOLE 0 0 0
Vanguard Small Cap Value VANGUARD INDEX FDS 922908611 3,980,195 17,228 SH SOLE 0 0 0
Vanguard Russell VANGUARD SCOTTSDALE FDS 92206C714 3,711,131 34,141 SH SOLE 0 0 0
Schw US SCap ETF SCHWAB STRATEGIC TR 808524607 3,504,796 107,410 SH SOLE 0 0 0
Ishares Core US ISHARES TR 464287226 3,053,980 32,304 SH SOLE 0 0 0
Vanguard Total Corporate VANGUARD SCOTTSDALE FDS 92206C573 2,912,487 40,018 SH SOLE 0 0 0
iShares Core S&P US Value ETF ISHARES TR 464287663 2,879,312 26,109 SH SOLE 0 0 0
Invesco Senior Loan ETF INVESCO EXCH TRADED FD TR II 46138G508 2,642,599 129,349 SH SOLE 0 0 0
Spdr S&P 500 Value Etf SPDR SERIES TRUST 78464A508 2,498,344 40,869 SH SOLE 0 0 0
iShares Tr TIPS Bond ETF ISHARES TR 464287176 2,477,322 23,811 SH SOLE 0 0 0
Vanguard S&P Mid Cap VANGUARD ADMIRAL FDS INC 921932885 2,381,904 19,562 SH SOLE 0 0 0
iShares Tr MSCI EAFE ETF ISHARES TR 464287465 2,222,493 21,393 SH SOLE 0 0 0
Vanguard S&P Small Cap VANGUARD ADMIRAL FDS INC 921932828 2,120,915 16,763 SH SOLE 0 0 0
Sch US Tips Etf SCHWAB STRATEGIC TR 808524870 1,998,133 79,512 SH SOLE 0 0 0
Vanguard Russell VANGUARD SCOTTSDALE FDS 92206C680 1,922,920 14,914 SH SOLE 0 0 0
iShares Core S&P ETF MidCap ISHARES TR 464287507 1,797,236 24,979 SH SOLE 0 0 0
Vanguard FTSE Emerging Markets VANGUARD INTL EQUITY INDEX F 922042858 1,716,712 28,945 SH SOLE 0 0 0
iShares Core S&P ETF SmallCap ISHARES TR 464287804 1,639,339 12,050 SH SOLE 0 0 0
SPDR S&P 500 ETF Tr Expiring 0 STATE STR SPDR S&P 500 ETF T 78462F103 1,547,221 2,029 SH SOLE 0 0 0
Ishares Interntinl ISHARES TR 46435G672 1,271,968 25,853 SH SOLE 0 0 0
Microsoft Corporation MICROSOFT CORP 594918104 1,260,230 2,457 SH SOLE 0 0 0
Vanguard FTSE ETF VANGUARD TAX-MANAGED FDS 921943858 1,177,089 16,670 SH SOLE 0 0 0
Ishares Core Msci Intrl ISHARES TR 46435G326 1,123,278 12,553 SH SOLE 0 0 0
Vanguard Small Cap VANGUARD INDEX FDS 922908751 1,090,284 3,832 SH SOLE 0 0 0
iShares:Lehm 1-3 Trs ISHARES TR 464287457 1,081,159 13,315 SH SOLE 0 0 0
Apple Inc APPLE INC 037833100 1,046,385 3,142 SH SOLE 0 0 0
Spdr Portfolio S&P SPDR SERIES TRUST 78464A847 1,035,051 16,419 SH SOLE 0 0 0
Vanguard Short Term VANGUARD SCOTTSDALE FDS 92206C102 953,760 16,570 SH SOLE 0 0 0
iShares S&P SmCap Value Value ISHARES TR 464287879 934,725 7,297 SH SOLE 0 0 0
Spdr Portfolio S&P 600 SPDR SERIES TRUST 78468R853 829,079 15,684 SH SOLE 0 0 0
iShares S&P 500 Growth S&P 500 ISHARES TR 464287309 717,290 5,042 SH SOLE 0 0 0
iShares S&P 500 Value S&P 500 ISHARES TR 464287408 683,093 2,992 SH SOLE 0 0 0
Spdr S&P 500 Growth Etf SPDR SERIES TRUST 78464A409 662,567 5,383 SH SOLE 0 0 0
Vanguard Ultra Short VANGUARD BD INDEX FDS 92203C303 660,402 13,328 SH SOLE 0 0 0
International Business Machine INTERNATIONAL BUSINESS MACHS 459200101 643,735 2,927 SH SOLE 0 0 0
Schwab Intermediate Term SCHWAB STRATEGIC TR 808524854 643,412 27,148 SH SOLE 0 0 0
Cigna Corp THE CIGNA GROUP 125523100 639,072 2,351 SH SOLE 0 0 0
Exxon Mobil Corporation EXXON MOBIL CORP 30231G102 625,286 3,842 SH SOLE 0 0 0
Ishares Core Msci Total ISHARES TR 46432F834 595,158 6,265 SH SOLE 0 0 0
Ishares Total Usd Bond ISHARES TR 46434V613 560,065 12,703 SH SOLE 0 0 0
Ishares Morningstar ISHARES TR 464287119 556,544 4,758 SH SOLE 0 0 0
Gldmn Schs Acs Inv Grd GOLDMAN SACHS ETF TR 381430479 464,007 10,664 SH SOLE 0 0 0
Ishares Short Treasury ISHARES TR 464288679 449,450 4,074 SH SOLE 0 0 0
JPMorgan Chase & Co JPMORGAN CHASE & CO 46625H100 440,004 1,330 SH SOLE 0 0 0
Vanguard Total Stock Mkt VANGUARD INDEX FDS 922908769 428,229 1,144 SH SOLE 0 0 0
Spdr Blmbrg Brcly Inv Gr SPDR SERIES TRUST 78468R200 417,231 13,529 SH SOLE 0 0 0
Ishares Core ISHARES TR 464289883 391,494 9,707 SH SOLE 0 0 0
iSharesTr Russell 1000 Growth ISHARES TR 464287614 359,565 2,871 SH SOLE 0 0 0
Invesco S&P 500 Low Volatility INVESCO EXCH TRADED FD TR II 46138E354 349,031 4,950 SH SOLE 0 0 0
Vanguard Corp Bond ETF Interme VANGUARD SCOTTSDALE FDS 92206C870 347,810 4,441 SH SOLE 0 0 0
Ishares Core Growth ISHARES TR 464289867 340,025 4,962 SH SOLE 0 0 0
Alphabet Inc Class A ALPHABET INC 02079K305 337,198 980 SH SOLE 0 0 0
Vanguard Bond Index Fund Inter VANGUARD BD INDEX FDS 921937819 327,556 4,496 SH SOLE 0 0 0
Ishares Core Aggressive ISHARES TR 464289859 279,773 2,876 SH SOLE 0 0 0
Alphabet Inc Class C ALPHABET INC 02079K107 261,348 767 SH SOLE 0 0 0
Ishares Core Msci ISHARES INC 46434G103 256,333 3,158 SH SOLE 0 0 0
Spdr Portfolio High SPDR SERIES TRUST 78468R606 247,694 10,965 SH SOLE 0 0 0
Johnson & Johnson JOHNSON & JOHNSON 478160104 237,520 897 SH SOLE 0 0 0
iShares Russell 1000 Value ETF ISHARES TR 464287598 233,170 940 SH SOLE 0 0 0
iShares:S&P 500 Index ISHARES TR 464287200 232,752 304 SH SOLE 0 0 0
Amgen Inc AMGEN INC 031162100 230,987 548 SH SOLE 0 0 0