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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
Estimated average burden
hours per response: 23.8
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 10-20 YR TRS ETF 464288653 3,042 20,684 SH   SOLE   0 0 20,684
ISHARES TR 3 7 YR TREAS BD 464288661 5,679 43,624 SH   SOLE   0 0 43,624
ISHARES TR BARCLAYS 7 10 YR 464287440 78,231 678,967 SH   SOLE   0 0 678,967
ISHARES TR CORE S&P TTL STK 464287150 2,845 28,915 SH   SOLE   0 0 28,915
ISHARES TR MSCI EMG MKT ETF 464287234 286 5,670 SH   SOLE   0 0 5,670
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,234 135,242 SH   SOLE   0 0 135,242
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,732 35,933 SH   SOLE   0 0 35,933
VANGUARD INDEX FDS TOTAL STK MKT 922908769 111,921 504,014 SH   SOLE   0 0 504,014
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 9,365 153,627 SH   SOLE   0 0 153,627
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,488 23,518 SH   SOLE   0 0 23,518