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
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 745 15,001 SH   SOLE   0 0 15,001
ISHARES TR RUS MDCP VAL ETF 464287473 4,837 63,209 SH   SOLE   0 0 63,209
ISHARES TR RUS MID CAP ETF 464287499 1,272 23,728 SH   SOLE   0 0 23,728
ISHARES TR RUS 1000 ETF 464287622 49,710 289,553 SH   SOLE   0 0 289,553
ISHARES TR RUSSELL 2000 ETF 464287655 4,887 34,132 SH   SOLE   0 0 34,132
ISHARES TR RUSSELL 3000 ETF 464287689 8,106 45,018 SH   SOLE   0 0 45,018
ISHARES TR MSCI ACWI EX US 464288240 2,330 53,891 SH   SOLE   0 0 53,891
ISHARES TR JPMORGAN USD EMG 464288281 959 8,776 SH   SOLE   0 0 8,776
ISHARES TR NATIONAL MUN ETF 464288414 13,628 118,096 SH   SOLE   0 0 118,096
ISHARES TR IBOXX HI YD ETF 464288513 2,765 33,878 SH   SOLE   0 0 33,878
ISHARES TR MSCI MIN VOL ETF 46429B697 3,299 54,418 SH   SOLE   0 0 54,418
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,163 83,883 SH   SOLE   0 0 83,883
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 456 6,157 SH   SOLE   0 0 6,157
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 885 17,132 SH   SOLE   0 0 17,132
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 8,892 392,408 SH   SOLE   0 0 392,408
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,730 17,441 SH   SOLE   0 0 17,441
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 10,321 216,783 SH   SOLE   0 0 216,783
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 1,088 9,427 SH   SOLE   0 0 9,427
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 6,188 43,602 SH   SOLE   0 0 43,602