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
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 CORE S&P 500 ETF ETF 464287200 1,505,704 5,041,989 SH   SOLE   0 5,041,989 0
ISHARES TR CORE S&P SMALL-CAP ETF ETF 464287804 682,284 8,762,160 SH   SOLE   0 8,762,160 0
GOLDMAN SACHS ETF TR ACTIVEBETA U S LARGE CAP EQUITY ETF ETF 381430503 513,375 8,569,263 SH   SOLE   0 8,569,263 0
ISHARES TR CORE S&P MID-CAP ETF ETF 464287507 380,303 1,967,365 SH   SOLE   0 1,967,365 0
GOLDMAN SACHS ETF TR ACTIVEBETA EMERGING MKTS EQUITY ETF ETF 381430206 100,659 3,208,427 SH   SOLE   0 3,208,427 0
SCHWAB STRATEGIC TR US DIVIDEND EQUITY ETF ETF 808524797 8,676 156,354 SH   SOLE   0 156,354 0
ISHARES TR CORE DIVID GROWTH ETF ETF 46434V621 6,430 162,320 SH   SOLE   0 162,320 0
ISHARES TR EDGE MSCI MULTIFACTOR INTL ETF ETF 46434V274 3,761 145,624 SH   SOLE   0 145,624 0
SCHWAB STRATEGIC TR SCHWAB FUNDAMENTAL U S SMALL CO INDEX ETF ETF 808524763 33 865 SH   SOLE   0 865 0
ISHARES TR GLOBAL REIT ETF ETF 46434V647 32 1,142 SH   SOLE   0 1,142 0
BANK OF AMERICA CORPORATION COM COM 060505104 6 200 SH   SOLE   0 200 0
ISHARES INC CORE MSCI EMERGING MKTS ETF ETF 46434G103 3 195 SH   SOLE   0 195 0
ISHARES TR CORE MSCI EAFE ETF ETF 46432F842 2 150 SH   SOLE   0 150 0
ISHARES TR IBOXX USD INVT GRADE CORP BD ETF ETF 464287242 1 13 SH   SOLE   0 13 0
ISHARES TR TIPS BD ETF ETF 464287176 1 8 SH   SOLE   0 8 0
SELECT SECTOR SPDR TR ENERGY ENERGY 81369Y506 1 18 SH   SOLE   0 18 0
ISHARES TR MSCI EAFE SMALL CAP ETF ETF 464288273 1 12 SH   SOLE   0 12 0
ISHARES TR MSCI EAFE GROWTH ETF ETF 464288885 1 41 SH   SOLE   0 41 0
SPDR S&P 500 ETF TR TR UNIT TR UNIT 78462F103 1 28 SH   SOLE   0 28 0
VERTICAL CAP INCOME FD SHS SHS 92535C104 1 116 SH   SOLE   0 116 0
BRE SELECT HOTELS CORP PFD SER A PFD SER A 05578K205 0 1,762 SH   SOLE   0 1,762 0
TWIN VALLEY BANK OHIO COM 901991158 0 812 SH   SOLE   0 812 0
ESC SEVENTY SEVEN COM 818ESC998 0 14 SH   SOLE   0 14 0
AT&T INC COM COM 00206R102 0 189 SH   SOLE   0 189 0
ESCROW MTS CORP SR UNSECD NT UNSECD NT 370ESCBB0 0 5,000 SH   SOLE   0 5,000 0
NORTEL NETWORKS NEW COM NO STOCKHOLDER EQUITY 05/08/2017 COM 656568508 0 21 SH   SOLE   0 21 0
VODAFONE GROUP PLC NEW SPONSORED ADR NO PAR SPONSORED ADR 92857W308 0 139 SH   SOLE   0 139 0