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
AMAZON COM INC COM 023135106 622 319 SH   SOLE   0 0 319
APPLE INC COM 037833100 359 1,410 SH   SOLE   0 0 1,410
BARNES GROUP INC COM 067806109 4,015 95,982 SH   SOLE   0 0 95,982
GLOBAL X FDS S&P 500 COVERED 37954Y475 332 8,702 SH   SOLE   0 0 8,702
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 3,713 123,192 SH   SOLE   0 0 123,192
INVESCO QQQ TR UNIT SER 1 46090E103 447 2,347 SH   SOLE   0 0 2,347
ISHARES INC CORE MSCI EMKT 46434G103 534 13,195 SH   SOLE   0 0 13,195
ISHARES TR CORE S&P TTL STK 464287150 18,427 322,092 SH   SOLE   0 0 322,092
ISHARES TR CORE S&P500 ETF 464287200 7,377 28,550 SH   SOLE   0 0 28,550
ISHARES TR MSCI EMG MKT ETF 464287234 217 6,369 SH   SOLE   0 0 6,369
ISHARES TR 20 YR TR BD ETF 464287432 6,280 38,069 SH   SOLE   0 0 38,069
ISHARES TR MSCI EAFE ETF 464287465 4,954 92,675 SH   SOLE   0 0 92,675
ISHARES TR CORE S&P MCP ETF 464287507 1,043 7,248 SH   SOLE   0 0 7,248
ISHARES TR CORE S&P SCP ETF 464287804 901 16,058 SH   SOLE   0 0 16,058
ISHARES TR EAFE SML CP ETF 464288273 487 10,870 SH   SOLE   0 0 10,870
ISHARES TR JPMORGAN USD EMG 464288281 476 4,919 SH   SOLE   0 0 4,919
ISHARES TR INTL SEL DIV ETF 464288448 225 9,955 SH   SOLE   0 0 9,955
ISHARES TR MBS ETF 464288588 6,274 56,810 SH   SOLE   0 0 56,810
ISHARES TR GOV/CRED BD ETF 464288596 1,325 10,924 SH   SOLE   0 0 10,924
ISHARES TR INTRM TR CRP ETF 464288638 5,334 97,115 SH   SOLE   0 0 97,115
ISHARES TR PFD AND INCM SEC 464288687 525 16,475 SH   SOLE   0 0 16,475
ISHARES TR CORE MSCI TOTAL 46432F834 229 4,879 SH   SOLE   0 0 4,879
JOHNSON & JOHNSON COM 478160104 276 2,105 SH   SOLE   0 0 2,105
PROCTER & GAMBLE CO COM 742718109 282 2,563 SH   SOLE   0 0 2,563
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,066 40,101 SH   SOLE   0 0 40,101
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,563 268,878 SH   SOLE   0 0 268,878
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 200 4,442 SH   SOLE   0 0 4,442
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 18,669 722,500 SH   SOLE   0 0 722,500
SCHWAB STRATEGIC TR US TIPS ETF 808524870 18,760 326,207 SH   SOLE   0 0 326,207
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,996 122,774 SH   SOLE   0 0 122,774
SPDR SER TR DJ REIT ETF 78464A607 211 2,926 SH   SOLE   0 0 2,926
SPDR SER TR PORTFOLI S&P1500 78464A805 799 25,408 SH   SOLE   0 0 25,408
SPDR SER TR BLOOMBERG BRCLYS 78468R622 512 5,405 SH   SOLE   0 0 5,405
STANLEY BLACK & DECKER INC COM 854502101 532 5,316 SH   SOLE   0 0 5,316
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,410 39,956 SH   SOLE   0 0 39,956
VANGUARD INDEX FDS MID CAP ETF 922908629 10,283 78,105 SH   SOLE   0 0 78,105
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,561 65,496 SH   SOLE   0 0 65,496
VANGUARD INDEX FDS TOTAL STK MKT 922908769 23,403 181,544 SH   SOLE   0 0 181,544
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,411 18,036 SH   SOLE   0 0 18,036
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,112 92,746 SH   SOLE   0 0 92,746
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 21,132 299,534 SH   SOLE   0 0 299,534
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 5,517 63,345 SH   SOLE   0 0 63,345
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,109 26,430 SH   SOLE   0 0 26,430
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 10,549 316,420 SH   SOLE   0 0 316,420
VANGUARD WORLD FD MEGA CAP INDEX 921910873 45,820 503,851 SH   SOLE   0 0 503,851