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&P500 ETF 464287200 92,403 357,598 SH   SOLE   0 0 357,598
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 56,930 1,707,545 SH   SOLE   0 0 1,707,545
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 36,540 353,418 SH   SOLE   0 0 353,418
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 34,698 406,536 SH   SOLE   0 0 406,536
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 29,507 481,752 SH   SOLE   0 0 481,752
J P MORGAN EXCHANGE-TRADED F JPMORGAN DIVER 46641Q407 21,272 362,761 SH   SOLE   0 0 362,761
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 19,643 760,165 SH   SOLE   0 0 760,165
ISHARES TR CORE S&P MCP ETF 464287507 18,203 126,536 SH   SOLE   0 0 126,536
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 14,758 439,886 SH   SOLE   0 0 439,886
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 14,326 263,978 SH   SOLE   0 0 263,978
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 12,130 200,730 SH   SOLE   0 0 200,730
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 8,986 199,767 SH   SOLE   0 0 199,767
VANGUARD INDEX FDS GROWTH ETF 922908736 8,907 56,842 SH   SOLE   0 0 56,842
ISHARES TR CORE MSCI EAFE 46432F842 7,233 144,972 SH   SOLE   0 0 144,972
ISHARES TR CORE S&P SCP ETF 464287804 7,132 127,100 SH   SOLE   0 0 127,100
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,792 26,352 SH   SOLE   0 0 26,352
VANGUARD INDEX FDS VALUE ETF 922908744 5,829 65,450 SH   SOLE   0 0 65,450
ISHARES TR CORE US AGGBD ET 464287226 4,856 42,092 SH   SOLE   0 0 42,092
APPLE INC COM 037833100 4,501 17,702 SH   SOLE   0 0 17,702
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,231 204,471 SH   SOLE   0 0 204,471
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,291 78,059 SH   SOLE   0 0 78,059
ISHARES TR CORE DIV GRWTH 46434V621 3,012 92,427 SH   SOLE   0 0 92,427
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,902 56,322 SH   SOLE   0 0 56,322
ISHARES TR RUSSELL 3000 ETF 464287689 2,239 15,097 SH   SOLE   0 0 15,097
ISHARES INC CORE MSCI EMKT 46434G103 1,628 40,226 SH   SOLE   0 0 40,226
MICROSOFT CORP COM 594918104 1,180 7,482 SH   SOLE   0 0 7,482
PHILIP MORRIS INTL INC COM 718172109 987 13,532 SH   SOLE   0 0 13,532
MONDELEZ INTL INC CL A 609207105 965 19,277 SH   SOLE   0 0 19,277
GENERAL MTRS CO COM 37045V100 788 37,901 SH   SOLE   0 0 37,901
GRACO INC COM 384109104 772 15,850 SH   SOLE   0 0 15,850
ISHARES TR RUS 1000 GRW ETF 464287614 740 4,913 SH   SOLE   0 0 4,913
ISHARES TR SP SMCP600VL ETF 464287879 618 6,182 SH   SOLE   0 0 6,182
ALTRIA GROUP INC COM 02209S103 560 14,480 SH   SOLE   0 0 14,480
INTERNATIONAL BUSINESS MACHS COM 459200101 357 3,216 SH   SOLE   0 0 3,216
ISHARES TR 1 3 YR TREAS BD 464287457 350 4,033 SH   SOLE   0 0 4,033
PROCTER & GAMBLE CO COM 742718109 279 2,538 SH   SOLE   0 0 2,538
PIMCO ETF TR 1-5 US TIP IDX 72201R205 252 4,876 SH   SOLE   0 0 4,876
VANGUARD INDEX FDS TOTAL STK MKT 922908769 228 1,767 SH   SOLE   0 0 1,767
HONEYWELL INTL INC COM 438516106 228 1,702 SH   SOLE   0 0 1,702
FORD MTR CO DEL COM 345370860 190 39,399 SH   SOLE   0 0 39,399
DNP SELECT INCOME FD COM 23325P104 140 14,289 SH   SOLE   0 0 14,289
MATINAS BIOPHARMA HLDGS INC COM 576810105 6 10,000 SH   SOLE   0 0 10,000