Instuitional Investor - Sensible Financial Planning & Management, Llc.

13F Holdings

Filing Period:

No.	Security	Ticker	Shares	Value	% Port
1.	Schwab Strategic Trust	FNDF	2,935,521	$75,824,513	15.71%
2.	Vanguard Charlotte Fds - TOTAL INT BD ETF		1,508,330	$73,983,595	15.33%
3.	Ishares Tr - USD INV GRDE ETF		1,406,474	$70,717,527	14.65%
4.	Ishares Tr - MBS ETF		669,913	$61,417,593	12.72%
5.	Vanguard Index Fds		75,688	$21,935,277	4.54%