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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
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,780,335 12,677,737 SH   DFND   0 0 12,677,737
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 273,870 6,489,800 SH   DFND   0 0 6,489,800
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 896,437 13,584,431 SH   DFND   0 0 13,584,431
ISHARES TR CORE S&P TTL STK 464287150 907,725 14,518,951 SH   DFND   0 0 14,518,951
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,286,216 29,981,721 SH   DFND   0 0 29,981,721
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 2,288,503 28,898,895 SH   DFND   0 0 28,898,895
ISHARES TR CORE US AGGBD ET 464287226 1,817,191 17,091,711 SH   DFND   0 0 17,091,711
TRANSAMERICA ETF TR DELTASHS S&P 500 89349P107 400,202 7,436,956 SH   DFND   0 0 7,436,956
TRANSAMERICA ETF TR DELTASHS S&P 400 89349P206 104,398 1,930,187 SH   DFND   0 0 1,930,187
TRANSAMERICA ETF TR DELTASHS S&P INT 89349P404 218,016 4,308,897 SH   DFND   0 0 4,308,897
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 177,299 3,501,157 SH   DFND   0 0 3,501,157