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
3M CO COM 88579Y101 435 2,448 SH   SOLE NONE 0 0 2,448
ABBOTT LABS COM 002824100 276 3,114 SH   SOLE NONE 0 0 3,114
ABBVIE INC COM 00287Y109 344 5,086 SH   SOLE NONE 0 0 5,086
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 267 1,371 SH   SOLE NONE 0 0 1,371
ALPHABET INC CAP STK CL A 02079K305 478 416 SH   SOLE NONE 0 0 416
APPLE INC COM 037833100 1,009 4,830 SH   SOLE NONE 0 0 4,830
AT&T INC COM 00206R102 464 14,469 SH   SOLE NONE 0 0 14,469
BLACKROCK CAPITAL INVESTMENT NOTE 5.000% 6/1 092533AC2 25 25,000 PRN   SOLE NONE 0 0 25,000
BLOOM ENERGY CORP COM CL A 093712107 336 32,042 SH   SOLE NONE 0 0 32,042
BOOKING HLDGS INC COM 09857L108 327 172 SH   SOLE NONE 0 0 172
CHEVRON CORP NEW COM 166764100 406 3,230 SH   SOLE NONE 0 0 3,230
CIGNA CORP NEW COM 125523100 448 2,604 SH   SOLE NONE 0 0 2,604
CISCO SYS INC COM 17275R102 334 5,792 SH   SOLE NONE 0 0 5,792
COCA COLA CO COM 191216100 374 6,891 SH   SOLE NONE 0 0 6,891
COSTCO WHSL CORP NEW COM 22160K105 621 2,216 SH   SOLE NONE 0 0 2,216
EMERSON ELEC CO COM 291011104 285 4,265 SH   SOLE NONE 0 0 4,265
EXXON MOBIL CORP COM 30231G102 490 6,496 SH   SOLE NONE 0 0 6,496
GENWORTH FINL INC COM CL A 37247D106 50 12,938 SH   SOLE NONE 0 0 12,938
HOME DEPOT INC COM 437076102 239 1,122 SH   SOLE NONE 0 0 1,122
HONEYWELL INTL INC COM 438516106 280 1,600 SH   SOLE NONE 0 0 1,600
INTEL CORP COM 458140100 351 6,785 SH   SOLE NONE 0 0 6,785
INTERNATIONAL BUSINESS MACHS COM 459200101 382 2,538 SH   SOLE NONE 0 0 2,538
INVESCO EXCH TRD SLF IDX FD BULSHS 2019 CB 46138J304 3,432 162,795 SH   SOLE NONE 0 0 162,795
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB 46138J502 3,612 169,866 SH   SOLE NONE 0 0 169,866
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 3,010 142,256 SH   SOLE NONE 0 0 142,256
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 816 7,454 SH   SOLE NONE 0 0 7,454
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1,003 8,469 SH   SOLE NONE 0 0 8,469
INVESCO EXCHANGE TRADED FD T ZACKS MID CAP 46137Y401 367 5,067 SH   SOLE NONE 0 0 5,067
INVESCO EXCHNG TRADED FD TR FTSE RAFI SML 46138E735 207 6,933 SH   SOLE NONE 0 0 6,933
INVESCO EXCHNG TRADED FD TR CALIF AMT MUN 46138E206 226 8,373 SH   SOLE NONE 0 0 8,373
INVIVO THERAPEUTICS HLDGS CO COM PAR 46186M407 7 11,250 SH   SOLE NONE 0 0 11,250
ISHARES INC MIN VOL EMRG MKT 464286533 694 11,780 SH   SOLE NONE 0 0 11,780
ISHARES TR CORE S&P MCP ETF 464287507 763 3,907 SH   SOLE NONE 0 0 3,907
ISHARES TR CORE S&P SCP ETF 464287804 771 9,900 SH   SOLE NONE 0 0 9,900
ISHARES TR CORE S&P500 ETF 464287200 2,474 8,199 SH   SOLE NONE 0 0 8,199
ISHARES TR RUS 1000 VAL ETF 464287598 16,299 126,122 SH   SOLE NONE 0 0 126,122
ISHARES TR RUS 1000 GRW ETF 464287614 16,297 100,114 SH   SOLE NONE 0 0 100,114
ISHARES TR RUSSELL 2000 ETF 464287655 8,913 57,616 SH   SOLE NONE 0 0 57,616
ISHARES TR RUS 2000 VAL ETF 464287630 875 7,325 SH   SOLE NONE 0 0 7,325
ISHARES TR MSCI EAFE ETF 464287465 13,036 197,538 SH   SOLE NONE 0 0 197,538
ISHARES TR MSCI EMG MKT ETF 464287234 3,903 90,927 SH   SOLE NONE 0 0 90,927
ISHARES TR S&P 100 ETF 464287101 385 2,900 SH   SOLE NONE 0 0 2,900
ISHARES TR CORE US AGGBD ET 464287226 770 6,928 SH   SOLE NONE 0 0 6,928
ISHARES TR EAFE VALUE ETF 464288877 326 6,774 SH   SOLE NONE 0 0 6,774
ISHARES TR NATIONAL MUN ETF 464288414 292 2,577 SH   SOLE NONE 0 0 2,577
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,013 10,106 SH   SOLE NONE 0 0 10,106
ISHARES TR USA QUALITY FCTR 46432F339 723 7,737 SH   SOLE NONE 0 0 7,737
ISHARES TR IBONDS SEP19 ETF 46429B564 954 37,504 SH   SOLE NONE 0 0 37,504
ISHARES TR IBONDS SEP2020 46434V571 1,641 64,166 SH   SOLE NONE 0 0 64,166
ISHARES TR IBONDS DEC2022 46435G755 1,074 40,982 SH   SOLE NONE 0 0 40,982
ISHARES TR IBONDS DEC2021 46435G789 1,583 61,281 SH   SOLE NONE 0 0 61,281
ISHARES TR IBONDS DEC2023 46435G318 1,094 42,345 SH   SOLE NONE 0 0 42,345
JOHNSON & JOHNSON COM 478160104 574 4,452 SH   SOLE NONE 0 0 4,452
JPMORGAN CHASE & CO COM 46625H100 877 7,535 SH   SOLE NONE 0 0 7,535
LAZARD LTD SHS A G54050102 1,770 48,762 SH   SOLE NONE 0 0 48,762
LOCKHEED MARTIN CORP COM 539830109 365 1,020 SH   SOLE NONE 0 0 1,020
MCDONALDS CORP COM 580135101 424 1,980 SH   SOLE NONE 0 0 1,980
MERCK & CO INC COM 58933Y105 356 4,338 SH   SOLE NONE 0 0 4,338
MICROSOFT CORP COM 594918104 609 4,374 SH   SOLE NONE 0 0 4,374
PEPSICO INC COM 713448108 479 3,666 SH   SOLE NONE 0 0 3,666
PFIZER INC COM 717081103 345 8,012 SH   SOLE NONE 0 0 8,012
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 207 2,037 SH   SOLE NONE 0 0 2,037
PROCTER AND GAMBLE CO COM 742718109 385 3,380 SH   SOLE NONE 0 0 3,380
PROSHARES TR S&P 500 DV ARIST 74348A467 736 10,438 SH   SOLE NONE 0 0 10,438
QUALCOMM INC COM 747525103 445 6,004 SH   SOLE NONE 0 0 6,004
QUICKLOGIC CORP COM 74837P108 8 15,633 SH   SOLE NONE 0 0 15,633
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 226 3,131 SH   SOLE NONE 0 0 3,131
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 429 7,899 SH   SOLE NONE 0 0 7,899
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 252 8,902 SH   SOLE NONE 0 0 8,902
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 410 5,001 SH   SOLE NONE 0 0 5,001
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 433 4,694 SH   SOLE NONE 0 0 4,694
SOUTHWEST AIRLS CO COM 844741108 382 7,065 SH   SOLE NONE 0 0 7,065
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 707 2,585 SH   SOLE NONE 0 0 2,585
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 363 10,125 SH   SOLE NONE 0 0 10,125
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,227 7,422 SH   SOLE NONE 0 0 7,422
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 666 1,869 SH   SOLE NONE 0 0 1,869
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 450 12,084 SH   SOLE NONE 0 0 12,084
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 311 9,743 SH   SOLE NONE 0 0 9,743
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 307 5,962 SH   SOLE NONE 0 0 5,962
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468R739 239 4,877 SH   SOLE NONE 0 0 4,877
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 211 6,167 SH   SOLE NONE 0 0 6,167
SPDR SERIES TRUST NUVEEN BRC MUNIC 78468R721 1,097 21,780 SH   SOLE NONE 0 0 21,780
SPDR SERIES TRUST BLMBRG BRC CNVRT 78464A359 230 4,271 SH   SOLE NONE 0 0 4,271
SPDR SERIES TRUST SPDR BLOOMBERG 78468R663 1,843 20,130 SH   SOLE NONE 0 0 20,130
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 2,918 77,245 SH   SOLE NONE 0 0 77,245
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 3,122 107,250 SH   SOLE NONE 0 0 107,250
SPDR SERIES TRUST PORTFOLIO SH TSR 78468R101 978 32,658 SH   SOLE NONE 0 0 32,658
SPDR SERIES TRUST RUSSELL YIELD 78468R770 240 3,357 SH   SOLE NONE 0 0 3,357
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 207 4,660 SH   SOLE NONE 0 0 4,660
TEXAS INSTRS INC COM 882508104 644 5,364 SH   SOLE NONE 0 0 5,364
UNION PACIFIC CORP COM 907818108 258 1,487 SH   SOLE NONE 0 0 1,487
UNITEDHEALTH GROUP INC COM 91324P102 495 1,940 SH   SOLE NONE 0 0 1,940
VANECK VECTORS ETF TR AMT FREE INT ETF 92189H201 211 4,221 SH   SOLE NONE 0 0 4,221
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 3,177 55,013 SH   SOLE NONE 0 0 55,013
VANGUARD INDEX FDS VALUE ETF 922908744 680 6,038 SH   SOLE NONE 0 0 6,038
VANGUARD INDEX FDS MID CAP ETF 922908629 855 5,025 SH   SOLE NONE 0 0 5,025
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 538 12,596 SH   SOLE NONE 0 0 12,596
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 459 8,954 SH   SOLE NONE 0 0 8,954
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 878 16,502 SH   SOLE NONE 0 0 16,502
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,335 79,663 SH   SOLE NONE 0 0 79,663
VERIZON COMMUNICATIONS INC COM 92343V104 386 6,952 SH   SOLE NONE 0 0 6,952
WALGREENS BOOTS ALLIANCE INC COM 931427108 392 7,176 SH   SOLE NONE 0 0 7,176
WALMART INC COM 931142103 370 3,297 SH   SOLE NONE 0 0 3,297
WINTRUST FINL CORP COM 97650W108 238 3,493 SH   SOLE NONE 0 0 3,493
WISDOMTREE TR FUTRE STRAT FD 97717W125 361 9,574 SH   SOLE NONE 0 0 9,574
WISDOMTREE TR DYNAMIC LNG EQ 97717X313 300 10,837 SH   SOLE NONE 0 0 10,837