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
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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
ISHARES TR CORE S&P MCP ETF 464287507 1,606 8,311 SH   SOLE NONE 0 0 8,311
ISHARES TR CORE S&P SCP ETF 464287804 4,746 60,972 SH   SOLE NONE 0 0 60,972
ISHARES TR S&P 500 VAL ETF 464287408 7,887 66,199 SH   SOLE NONE 0 0 66,199
ISHARES TR CORE S&P500 ETF 464287200 24,365 81,619 SH   SOLE NONE 0 0 81,619
ISHARES TR S&P 500 GRWT ETF 464287309 8,347 46,365 SH   SOLE NONE 0 0 46,365
ISHARES TR RUSSELL 3000 ETF 464287689 12,880 74,120 SH   SOLE NONE 0 0 74,120
PFIZER INC COM 717081103 230 6,405 SH   SOLE NONE 0 0 6,405
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 464 11,943 SH   SOLE NONE 0 0 11,943
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 4,365 118,796 SH   SOLE NONE 0 0 118,796
PROCTER & GAMBLE CO COM 742718109 23,485 188,818 SH   SOLE NONE 0 0 188,818
ISHARES TR 20 YR TR BD ETF 464287432 1,963 13,721 SH   SOLE NONE 0 0 13,721
ISHARES TR IBOXX INV CP ETF 464287242 1,550 12,159 SH   SOLE NONE 0 0 12,159
APPLE INC COM 037833100 442 1,976 SH   SOLE NONE 0 0 1,976
ISHARES TR CORE US AGGBD ET 464287226 14,942 132,033 SH   SOLE NONE 0 0 132,033
ISHARES TR CORE S&P TTL STK 464287150 5,069 75,581 SH   SOLE NONE 0 0 75,581
ISHARES TR SHORT TREAS BD 464288679 3,660 33,089 SH   SOLE NONE 0 0 33,089
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 781 22,776 SH   SOLE NONE 0 0 22,776
ISHARES TR MBS ETF 464288588 5,311 49,044 SH   SOLE NONE 0 0 49,044
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 471 5,310 SH   SOLE NONE 0 0 5,310
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 271 6,601 SH   SOLE NONE 0 0 6,601
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 279 8,011 SH   SOLE NONE 0 0 8,011
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,205 41,038 SH   SOLE NONE 0 0 41,038
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 1,385 46,738 SH   SOLE NONE 0 0 46,738
FIRST TR NASDAQ100 TECH INDE SHS 337345102 539 6,161 SH   SOLE NONE 0 0 6,161
PEOPLES FINL SVCS CORP COM 711040105 1,319 29,120 SH   SOLE NONE 0 0 29,120
ISHARES TR MSCI ACWI ETF 464288257 552 7,489 SH   SOLE NONE 0 0 7,489
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 263 7,451 SH   SOLE NONE 0 0 7,451
SPDR SERIES TRUST PORTFLI MORTGAGE 78464A383 894 34,021 SH   SOLE NONE 0 0 34,021
ISHARES TR MSCI MIN VOL ETF 46429B697 6,720 104,838 SH   SOLE NONE 0 0 104,838
ISHARES TR US TREAS BD ETF 46429B267 22,079 838,708 SH   SOLE NONE 0 0 838,708
ISHARES INC CORE MSCI EMKT 46434G103 6,000 122,401 SH   SOLE NONE 0 0 122,401
ISHARES TR CORE MSCI TOTAL 46432F834 5,364 92,868 SH   SOLE NONE 0 0 92,868
ISHARES TR CORE MSCI EAFE 46432F842 10,320 168,979 SH   SOLE NONE 0 0 168,979
SPDR SERIES TRUST SSGA US LRG ETF 78468R804 837 7,508 SH   SOLE NONE 0 0 7,508
ISHARES US ETF TR SHT MAT BD ETF 46431W507 541 10,745 SH   SOLE NONE 0 0 10,745
FIDELITY COVINGTON TR MSCI INFO TECH I 316092808 4,633 72,650 SH   SOLE NONE 0 0 72,650
ISHARES TR ULTR SH TRM BD 46434V878 1,909 37,883 SH   SOLE NONE 0 0 37,883
ISHARES TR CORE DIV GRWTH 46434V621 2,928 74,805 SH   SOLE NONE 0 0 74,805
ISHARES TR CORE TOTAL USD 46434V613 3,517 67,098 SH   SOLE NONE 0 0 67,098
ISHARES TR MULTIFACTOR INTL 46434V274 2,532 99,282 SH   SOLE NONE 0 0 99,282
ISHARES TR MULTIFACTOR USA 46434V282 3,232 101,239 SH   SOLE NONE 0 0 101,239
ISHARES INC MLT FCTR EMG MKT 46434G889 769 18,805 SH   SOLE NONE 0 0 18,805