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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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
XTR (USSG) US LARGE CAP CORE EETF 233051150 641 22,580 SH   SOLE   22,580 0 0
XTR (HYDW) US HIGH YIELD FETF 233051267 2,115 43,388 SH   SOLE   43,388 0 0
XTR (HYLB) HIGH YIELD CORP FETF 233051432 6,672 142,772 SH   SOLE   142,772 0 0
ISH (CEMB) EM DEBT FETF 464286251 1,228 24,306 SH   SOLE   24,306 0 0
ISH (DVYE) EM DIV EETF 464286319 624 19,963 SH   SOLE   19,963 0 0
ISH (EEMA) MSCI EM EETF 464286426 9,884 148,610 SH   SOLE   140,190 0 8,420
ISH (IVV) S&P500 CORE EETF 464287200 16,066 51,874 SH   SOLE   49,353 0 2,521
ISH (IEF) BARCLAYS 7-10YR TSY FETF 464287440 226 1,858 SH   SOLE   1,858 0 0
ISH (IWO) RUSSELL 2000 GWTH EETF 464287648 2,087 10,100 SH   SOLE   10,100 0 0
ISH (IJR) S&P SMALL CAP EETF 464287804 1,434 20,995 SH   SOLE   20,995 0 0
ISH (EMB) USD EMERGING FETF 464288281 3,843 35,201 SH   SOLE   35,201 0 0
ISH (HYG) HIGH YLD FETF 464288513 1,337 16,379 SH   SOLE   16,379 0 0
ISH (MBB) MBS BOND FD FETF 464288588 1,957 17,676 SH   SOLE   17,676 0 0
ISH (IGIB) INT CREDIT FETF 464288638 1,366 22,631 SH   SOLE   22,631 0 0
ISH (IGSB) 1-3 YEAR CREDIT FETF 464288646 6,449 117,878 SH   SOLE   117,878 0 0
ISH (PFF) PREF STK INDX FETF 464288687 1,582 45,695 SH   SOLE   45,695 0 0
ISH (EFV) MSCI EAFE VALUE EETF 464288877 18,217 456,347 SH   SOLE   431,216 0 25,131
ISH (IGLB) 10 PLUS YEAR CREDIT FETF 464289511 2,527 36,116 SH   SOLE   36,116 0 0
CBR (LRGE) LRG CAP GR ESG EETF 524682200 579 14,267 SH   SOLE   14,267 0 0
SCH (SCHD) US DIV EETF 808524797 3,032 58,632 SH   SOLE   58,632 0 0
VAN (BLV) LONG TERM BOND FETF 921937793 1,996 17,881 SH   SOLE   17,881 0 0
VAN (VBR) SMALL CAP VALUE EETF 922908611 1,343 12,570 SH   SOLE   12,570 0 0
VAN (VTV) VALUE EETF 922908744 12,206 122,515 SH   SOLE   115,790 0 6,725
INV (QQQ) TRUST EETF 46090E103 1,276 5,160 SH   SOLE   5,160 0 0
INV (PCY) EMERG MKT DEBT FETF 46138E784 507 18,957 SH   SOLE   18,957 0 0
ISH (FLOT) FLOATING RATE BOND FETF 46429B655 9,793 193,657 SH   SOLE   193,657 0 0
ISH (NEAR) SHORT BOND FETF 46431W507 5,679 113,602 SH   SOLE   113,602 0 0
ISH (LQDH) INT RATE HEDGED CORP BD FETF 46431W705 296 3,302 SH   SOLE   3,302 0 0
ISH (QUAL) US QUALITY EETF 46432F339 29,990 312,757 SH   SOLE   295,024 0 17,733
ISH (VLUE) MSCI VALUE EETF 46432F388 20,767 287,516 SH   SOLE   271,838 0 15,678
ISH (IEFA) CORE EAFE EETF 46432F842 39,460 690,108 SH   SOLE   650,985 0 39,123
ISH (ESGE) MSCI EM SELECT EETF 46434G863 247 7,710 SH   SOLE   7,710 0 0
ISH (SHYG) HIGH YIELD 0-5YR CORP FETF 46434V407 8,217 191,638 SH   SOLE   191,638 0 0
ISH (ESGD) MSCI EAFE EETF 46435G516 906 14,955 SH   SOLE   14,955 0 0
JPM (JPST) ULTRA SHORT INC FETF 46641Q837 5,135 101,222 SH   SOLE   101,222 0 0
JAN (JMBS) MBS BOND FD FETF 47103U852 5,514 102,700 SH   SOLE   102,700 0 0
JAN (VNLA) SHORT DUR BOND FD FETF 47103U886 3,574 71,121 SH   SOLE   71,121 0 0
SAGE (GUDB) INT CREDIT FETF 66538H583 12,326 237,955 SH   SOLE   237,955 0 0
NUV (NULV) ESG LRG CAP VAL EETF 67092P300 595 21,374 SH   SOLE   21,374 0 0
PIMCO (HYS) 0-5 YR HIGH YLD FETF 72201R783 247 2,707 SH   SOLE   2,707 0 0
SPDR (GMF) EMG MKT ASIA EETF 78463X301 6,045 61,036 SH   SOLE   57,579 0 3,457
SPDR (PSK) WF PREF STK FETF 78464A292 7,901 189,562 SH   SOLE   189,562 0 0
SPDR (XHB) HOMEBUILDERS EETF 78464A888 1,252 28,520 SH   SOLE   28,520 0 0
SPDR (SPYD) S&P500 HIGH DIV EETF 78468R788 2,584 92,765 SH   SOLE   92,765 0 0
SPDR (XLY) CONS DISC EETF 81369Y407 13,835 108,341 SH   SOLE   102,199 0 6,142
SPDR (XLF) FINANCIALS EETF 81369Y605 14,623 631,411 SH   SOLE   598,031 0 33,380
SPDR (XLK) TECHNOLOGY EETF 81369Y803 18,142 173,676 SH   SOLE   163,831 0 9,845
VANE (HYEM) EM HIGH YIELD FETF 92189F353 6,378 283,845 SH   SOLE   283,845 0 0
VAN (SMH) SEMICONDUCTOR EETF 92189F676 924 6,050 SH   SOLE   6,050 0 0
VANE (EMLC) LC BOND FETF 92189H300 678 22,091 SH   SOLE   22,091 0 0
MKTV (HYD) HIGH YLD MUNI FETF 92189H409 3,655 61,672 SH   SOLE   61,672 0 0