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
iBonds Dec 2020 Corp COM 46434VAQ3 10,293 408,309 SH   SOLE 50,798 0 357,511
iBonds Dec 2021 Corp COM 46434VBK5 9,396 381,189 SH   SOLE 49,401 0 331,788
WisdomTree Bloomberg Floating Rate Treasury COM 97717X628 6,382 254,150 SH   SOLE 98,731 0 155,419
iShares MSCI USA Min Vol COM 46429B697 10,292 190,555 SH   SOLE 45,322 0 145,233
iShares 1-3 Year Treasury COM 464287457 14,403 166,179 SH   SOLE 21,128 0 145,051
iShares MSCI USA Quality COM 46432F339 11,280 139,194 SH   SOLE 32,701 0 106,493
iShares MSCI USA Momentum COM 46432F396 11,478 107,795 SH   SOLE 25,531 0 82,264
Vanguard Growth COM 922908736 14,754 94,161 SH   SOLE 23,835 0 70,326
Vanguard FTSE All-World ex-US COM 922042775 3,247 79,161 SH   SOLE 13,694 0 65,467
iShares MSCI EAFE Min Vol COM 46429B689 2,629 42,363 SH   SOLE 6,289 0 36,074
iBonds Mar 2020 Corp COM 46432FBC0 1,090 41,902 SH   SOLE 16,520 0 25,382
Vanguard Mid-Cap COM 922908629 4,672 35,487 SH   SOLE 5,373 0 30,114
iShares MSCI Min Vol Global COM 464286525 2,096 26,084 SH   SOLE 3,913 0 22,171
Vanguard Small-Cap ETF COM 922908751 2,740 23,738 SH   SOLE 3,767 0 19,971
Bandwidth Inc. COM 05988J103 1,344 19,956 SH   SOLE 0 0 19,956
iShares MSCI International Quality COM 46434V456 428 16,567 SH   SOLE 689 0 15,878
Vanguard Short-Term Treasury COM 92206C102 648 10,390 SH   SOLE 0 0 10,390
CSX Corporation COM 126408103 332 5,798 SH   SOLE 0 0 5,798
iShares S&P 100 Index COM 464287101 214 1,800 SH   SOLE 1,800 0 0