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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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
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 12,909 444,219 SH   SOLE   0 0 444,219
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 385 1,594 SH   SOLE   0 0 1,594
ISHARES TR MSCI EMG MKT ETF 464287234 503 10,427 SH   SOLE   0 0 10,427
ISHARES TR MSCI EAFE ETF 464287465 2,702 38,778 SH   SOLE   0 0 38,778
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 38,153 1,049,891 SH   SOLE   0 0 1,049,891
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 8,201 169,521 SH   SOLE   0 0 169,521
ISHARES TR CORE S AND P MCP ETF 464287507 672 3,582 SH   SOLE   0 0 3,582
ISHARES TR CORE S AND P SCP ETF 464287804 600 7,786 SH   SOLE   0 0 7,786
ISHARES TR CORE S AND P TTL STK 464287150 1,108 18,320 SH   SOLE   0 0 18,320
ISHARES TR S AND P 500 VAL ETF 464287408 588 5,374 SH   SOLE   0 0 5,374
ISHARES TR CORE S AND P 500 ETF 464287200 18,187 68,534 SH   SOLE   0 0 68,534
ISHARES TR RUS 1000 ETF 464287622 4,170 28,397 SH   SOLE   0 0 28,397
ISHARES TR RUS 1000 VAL ETF 464287598 5,960 49,681 SH   SOLE   0 0 49,681
ISHARES TR RUSSELL 2000 ETF 464287655 794 5,228 SH   SOLE   0 0 5,228
ISHARES TR RUS MD CP GR ETF 464287481 488 3,966 SH   SOLE   0 0 3,966
ISHARES TR RUS MID CAP ETF 464287499 769 3,726 SH   SOLE   0 0 3,726
SPDR S AND P MIDCAP 400 ETF TR UTSER1 S AND P DCRP 78467Y107 884 2,587 SH   SOLE   0 0 2,587
ISHARES TR USA MOMENTUM FCT 46432F396 29,295 276,579 SH   SOLE   0 0 276,579
ISHARES TR NATIONAL MUN ETF 464288414 1,197 10,992 SH   SOLE   0 0 10,992
PIMCO ETF TR INTER MUN BD ACT 72201R866 272 5,160 SH   SOLE   0 0 5,160
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 314 4,541 SH   SOLE   0 0 4,541
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 578 17,152 SH   SOLE   0 0 17,152
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,332 21,114 SH   SOLE   0 0 21,114
SPDR S AND P 500 ETF TR TR UNIT 78462F103 3,128 11,885 SH   SOLE   0 0 11,885
ISHARES TR MSCI USA ESG SLC 464288802 234 2,108 SH   SOLE   0 0 2,108
ISHARES TR TIPS BD ETF 464287176 425 3,763 SH   SOLE   0 0 3,763
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 235 4,902 SH   SOLE   0 0 4,902
VANGUARD INDEX FDS SMALL CP ETF 922908751 723 4,919 SH   SOLE   0 0 4,919
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 528 11,933 SH   SOLE   0 0 11,933
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,786 51,233 SH   SOLE   0 0 51,233
VANGUARD INDEX FDS S AND P 500 ETF SHS 922908363 3,294 13,608 SH   SOLE   0 0 13,608
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 21,336 289,768 SH   SOLE   0 0 289,768
VANGUARD INDEX FDS TOTAL STK MKT 922908769 11,523 84,902 SH   SOLE   0 0 84,902
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 411 8,743 SH   SOLE   0 0 8,743