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 1,936,893 5,156,659 SH   SOLE   0 5,156,659 0
GOLDMAN SACHS ETF TR TR ACTIVEBETA U S LARGE CAP EQUITY ETF ETF 381430503 1,311,659 17,319,869 SH   SOLE   0 17,319,869 0
ISHARES TR CORE DIVID GROWTH ETF ETF 46434V621 1,214,791 27,087,210 SH   SOLE   0 27,087,210 0
ISHARES TR CORE S&P SMALL-CAP ETF ETF 464287804 991,527 10,785,872 SH   SOLE   0 10,785,872 0
ISHARES TR CORE S&P MID-CAP ETF ETF 464287507 529,271 2,301,774 SH   SOLE   0 2,301,774 0
SCHWAB STRATEGIC TR US DIVIDEND EQUITY ETF ETF 808524797 10,810 168,534 SH   SOLE   0 168,534 0
ISHARES TR MSCI INTL MULTIFACTOR ETF ETF 46434V274 8,840 325,237 SH   SOLE   0 325,237 0
GOLDMAN SACHS ETF TR ACTIVEBETA EMERGING MKTS EQUITY ETF ETF 381430206 3,843 100,670 SH   SOLE   0 100,670 0
SCHWAB STRATEGIC TR SCHWAB FUNDAMENTAL U S SMALL CO INDEX ETF ETF 808524763 14 321 SH   SOLE   0 321 0
ISHARES TR GLOBAL REIT ETF ETF 46434V647 12 491 SH   SOLE   0 491 0
VANGUARD INDEX FDS REAL ESTATE INDEX FD ETF ETF 922908553 11 124 SH   SOLE   0 124 0
CISCO SYSTEMS INC COM 17275R102 3 58 SH   SOLE   0 58 0
ISHARES TR CORE MSCI EAFE ETF ETF 46432F842 2 27 SH   SOLE   0 27 0
SCHWAB STRATEGIC TR US TIPS ETF ETF 808524870 2 31 SH   SOLE   0 31 0
SCHWAB STRATEGIC TR US SMALL-CAP ETF ETF 808524607 2 19 SH   SOLE   0 19 0
SCHWAB STRATEGIC TR US LARGE-CAP ETF ETF 808524201 2 23 SH   SOLE   0 23 0
SCHWAB STRATEGIC TR SCHWAB FUNDAMENTAL EMERGING MKTS LARGE CO INDEX ETF ETF 808524730 2 54 SH   SOLE   0 54 0
SCHWAB STRATEGIC TR SCHWAB FUNDAMENTAL INTL LARGE CO INDEX ETF ETF 808524755 2 53 SH   SOLE   0 53 0
SCHWAB STRATEGIC TR SCHWAB FUNDAMENTAL U S LARGE CO INDEX ETF ETF 808524771 2 34 SH   SOLE   0 34 0
VANGUARD SCOTTSDALE FDS VANGUARD INTERMEDIATE-TERM CORPORATE BOND INDEX ETF SHS ETF 92206C870 2 17 SH   SOLE   0 17 0
VERTICAL CAP INCOME FD SHS CEF 92535C104 1 116 SH   SOLE   0 116 0
SCHWAB STRATEGIC TR INTL EQUITY ETF ETF 808524805 1 28 SH   SOLE   0 28 0
DISCOVER FINL SVCS COM INC COM 254709108 1 9 SH   SOLE   0 9 0
MORGAN STANLEY COM NEW COM 617446448 1 18 SH   SOLE   0 18 0
SCHWAB STRATEGIC TR SCHWAB FUNDAMENTAL INTL SMALL CO INDEX ETF ETF 808524748 1 23 SH   SOLE   0 23 0
ISHARES GOLD TR ISHARES ETF 464285105 1 28 SH   SOLE   0 28 0
SCHWAB STRATEGIC TR INTL SMALL CAP EQUITY ETF ETF 808524888 1 16 SH   SOLE   0 16 0
SCHWAB STRATEGIC TR EMERGING MKTS EQUITY ETF ETF 808524706 1 36 SH   SOLE   0 36 0
SCHWAB STRATEGIC TR US REIT ETF ETF 808524847 1 14 SH   SOLE   0 14 0
VANGUARD INDEX FDS S&P 500 ETF SHS NEW ETF 922908363 1 3 SH   SOLE   0 3 0
ISHARES TR TIPS BD ETF ETF 464287176 0 102 SH   SOLE   0 102 0
ISHARES TR MSCI EAFE SMALL CAP ETF ETF 464288273 0 196 SH   SOLE   0 196 0
ISHARES TR RUSSELL 1000 GROWTH ETF ETF 464287614 0 114 SH   SOLE   0 114 0
VANGUARD SCOTTSDALE FDS VANGUARD MTG BACKED SECS ETF ETF 92206C771 0 7 SH   SOLE   0 7 0
ISHARES TR CORE U S AGGREGATE BD ETF ETF 464287226 0 87 SH   SOLE   0 87 0
SYNOVUS FINL CORP COM NEW COM 87161C501 0 1 SH   SOLE   0 1 0
SPDR SER TR BLOOMBERG BARCLAYS EMERGING MKTS LOCAL BD ETF ETF 78464A391 0 8 SH   SOLE   0 8 0
ISHARES TR MSCI EMERGING MKTS INDEX FD ETF 464287234 0 507 SH   SOLE   0 507 0
SPDR INDEX SHS FDS EURO STOXX 50 ETF ETF 78463X202 0 516 SH   SOLE   0 516 0
ISHARES TR IBOXX $ HIGH YIELD CORP BD ETF ETF 464288513 0 132 SH   SOLE   0 132 0
ISHARES TR NASDAQ BIOTECHNOLOGY ETF ETF 464287556 0 37 SH   SOLE   0 37 0
ISHARES TR 3-7 YR TREAS BD ETF ETF 464288661 0 86 SH   SOLE   0 86 0
ISHARES TR S&P 500 VALUE ETF ETF 464287408 0 221 SH   SOLE   0 221 0
ISHARES TR RUSSELL MID-CAP GROWTH ETF ETF 464287481 0 344 SH   SOLE   0 344 0
INVESCO EXCHANGE-TRADED FD TR II FTSE RAFI EMERGING MKTS ETF ETF 46138E727 0 1 SH   SOLE   0 1 0
INVESCO QQQ TR UNIT SER 1 ETF 46090E103 0 36 SH   SOLE   0 36 0
ISHARES TR MSCI USA QUALITY FACTOR ETF ETF 46432F339 0 116 SH   SOLE   0 116 0
SCHWAB STRATEGIC TR INTERMEDIATE-TERM US TREASURY ETF ETF 808524854 0 7 SH   SOLE   0 7 0
SPDR SER TR BLOOMBERG BARCLAYS INTER TERM CORPORATE BD ETF ETF 78464A375 0 341 SH   SOLE   0 341 0
VANGUARD INTL EQUITY INDEX FD INC FTSE ALL WORLD EX US INDEX FD ETFS SHS ETF 922042775 0 471 SH   SOLE   0 471 0
VANGUARD INTL EQUITY INDEX FDS GLOBAL EX-US REAL ESTATE INDEX FD ETF SHS ETF 922042676 0 6 SH   SOLE   0 6 0
SELECT SECTOR SPDR TR CONSUMER STAPLES ETF 81369Y308 0 169 SH   SOLE   0 169 0