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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
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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
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,642 156,030 SH   SOLE   0 0 156,030
ISHARES TR BARCLAYS 7 10 YR 464287440 61,869 507,664 SH   SOLE   0 0 507,664
ISHARES TR 3 7 YR TREAS BD 464288661 4,378 32,752 SH   SOLE   0 0 32,752
VANGUARD INDEX FDS TOTAL STK MKT 922908769 87,105 556,476 SH   SOLE   0 0 556,476
ISHARES TR 10-20 YR TRS ETF 464288653 3,532 21,103 SH   SOLE   0 0 21,103
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,616 49,224 SH   SOLE   0 0 49,224
ISHARES TR CORE S&P TTL STK 464287150 3,461 49,839 SH   SOLE   0 0 49,839
ISHARES TR MSCI EMG MKT ETF 464287234 227 5,670 SH   SOLE   0 0 5,670
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 6,724 141,221 SH   SOLE   0 0 141,221
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,383 28,128 SH   SOLE   0 0 28,128