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 S&P 500 GROWTH ETF ETF 464287309 25,308 396,559 SH   SOLE   0 0 396,559
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 15,295 323,969 SH   SOLE   0 0 323,969
WISDOMTREE EMERGING MARKETS SMALLCAP DIVIDEND FUND ETF 97717W281 13,295 278,599 SH   SOLE   0 0 278,599
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND ETF 97717W604 11,648 437,912 SH   SOLE   0 0 437,912
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 10,912 119,244 SH   SOLE   0 0 119,244
SPDR S&P DIVIDEND ETF ETF 78464A763 10,890 102,802 SH   SOLE   0 0 102,802
WISDOMTREE U.S. QUALITY DIVIDEND GROWTH FUND ETF 97717X669 10,026 185,798 SH   SOLE   0 0 185,798
SPDR BLOOMBERG BARCLAYS HIGH YIELD BOND ETF ETF 78468R622 6,004 55,111 SH   SOLE   0 0 55,111
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 5,305 63,994 SH   SOLE   0 0 63,994
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 5,192 36,779 SH   SOLE   0 0 36,779
VANECK VECTORS SHORT MUNI ETF ETF 92189F528 4,935 272,487 SH   SOLE   0 0 272,487
INVESCO EMERGING MARKETS SOVEREIGN DEBT ETF ETF 46138E784 4,461 154,691 SH   SOLE   0 0 154,691
VANGUARD SMALL-CAP GROWTH INDEX FUND ETF 922908595 4,186 15,641 SH   SOLE   0 0 15,641
WISDOMTREE U.S. MIDCAP DIVIDEND FUND ETF 97717W505 4,128 118,588 SH   SOLE   0 0 118,588
ISHARES MSCI JAPAN ETF ETF 46434G822 3,980 58,906 SH   SOLE   0 0 58,906
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481 3,334 32,482 SH   SOLE   0 0 32,482
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 3,281 13,607 SH   SOLE   0 0 13,607
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 3,126 50,383 SH   SOLE   0 0 50,383
SPDR S&P 600 SMALL CAP GROWTH ETF ETF 78464A201 2,977 38,987 SH   SOLE   0 0 38,987
ISHARES MORNINGSTAR SMALL-CAP VALUE ETF ETF 464288703 2,813 19,966 SH   SOLE   0 0 19,966
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND ETF 921937819 2,690 28,974 SH   SOLE   0 0 28,974
SPDR GOLD MINISHARES TRUST ETF 98149E204 2,645 139,626 SH   SOLE   0 0 139,626
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 2,609 22,261 SH   SOLE   0 0 22,261
INVESCO S&P MIDCAP 400 PURE GROWTH ETF ETF 46137V217 2,443 12,053 SH   SOLE   0 0 12,053
ISHARES CORE S&P 500 ETF ETF 464287200 2,140 5,700 SH   SOLE   0 0 5,700
INVESCO DYNAMIC LARGE CAP VALUE ETF ETF 46137V738 1,458 37,824 SH   SOLE   0 0 37,824
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND ETF 72201R833 1,413 13,845 SH   SOLE   0 0 13,845
ISHARES U.S. TREASURY BOND ETF ETF 46429B267 1,060 38,929 SH   SOLE   0 0 38,929
ISHARES MSCI EAFE ETF ETF 464287465 888 12,172 SH   SOLE   0 0 12,172
GOLDMAN SACHS ACCESS TREASURY 0-1 YEAR ETF ETF 381430529 860 8,593 SH   SOLE   0 0 8,593
ISHARES TIPS BOND ETF ETF 464287176 490 3,837 SH   SOLE   0 0 3,837
ISHARES 7-10 YEAR TREASURY BOND ETF ETF 464287440 393 3,279 SH   SOLE   0 0 3,279
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473 378 3,900 SH   SOLE   0 0 3,900
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 370 7,387 SH   SOLE   0 0 7,387
ISHARES 0-5 YEAR HIGH YIELD CORPORATE BOND ETF ETF 46434V407 366 8,057 SH   SOLE   0 0 8,057
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 341 6,594 SH   SOLE   0 0 6,594
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513 317 3,629 SH   SOLE   0 0 3,629
INVESCO QQQ TRUST ETF 46090E103 304 968 SH   SOLE   0 0 968
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 299 2,101 SH   SOLE   0 0 2,101
ISHARES SHORT TREASURY BOND ETF ETF 464288679 292 2,643 SH   SOLE   0 0 2,643
PROSHARES ULTRA QQQ ETF 74347R206 289 2,510 SH   SOLE   0 0 2,510
ISHARES COMEX GOLD TRUST ETF 464285105 278 15,336 SH   SOLE   0 0 15,336
SPDR S&P 500 ETF ETF 78462F103 277 740 SH   SOLE   0 0 740
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 253 1,302 SH   SOLE   0 0 1,302
ISHARES MBS ETF ETF 464288588 253 2,299 SH   SOLE   0 0 2,299
WISDOMTREE EMERGING MARKETS HIGH DIVIDEND FUND ETF 97717W315 227 5,507 SH   SOLE   0 0 5,507
VANGUARD MEGA CAP ETF ETF 921910873 201 1,504 SH   SOLE   0 0 1,504