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
ISHARES TR NATIONAL MUN ETF 464288414 145,691 1,310,391 SH   SOLE   1,290,552 0 19,839
ISHARES INC CORE MSCI EMKT 46434G103 82,386 1,593,234 SH   SOLE   1,566,774 0 26,460
ISHARES TR CORE S&P500 ETF 464287200 12,868 45,219 SH   SOLE   44,069 0 1,150
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 7,099 104,996 SH   SOLE   104,996 0 0
ISHARES TR EDGE MSCI USA VL 46432F388 6,234 78,059 SH   SOLE   76,020 0 2,039
ISHARES TR USA QUALITY FCTR 46432F339 4,768 53,846 SH   SOLE   52,612 0 1,234
WISDOMTREE TR US MIDCAP FUND 97717W570 3,886 98,785 SH   SOLE   96,124 0 2,661
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,913 68,536 SH   SOLE   68,536 0 0
ISHARES TR MULTIFACTOR INTL 46434V274 2,894 109,908 SH   SOLE   107,095 0 2,813
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,898 92,556 SH   SOLE   90,208 0 2,348
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,840 19,894 SH   SOLE   19,392 0 502
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 2,721 19,386 SH   SOLE   18,888 0 498
ISHARES TR CORE 1 5 YR USD 46432F859 2,615 52,453 SH   SOLE   49,306 0 3,147
INVESCO ACTIVELY MANAGD ETF OPTIMUM YIELD 46090F100 2,358 141,936 SH   SOLE   139,289 0 2,647
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,106 80,961 SH   SOLE   78,751 0 2,210
ISHARES TR CORE US AGGBD ET 464287226 2,063 18,918 SH   SOLE   17,385 0 1,533
SPDR SER TR BLOMBERG BRC INV 78468R200 1,334 43,457 SH   SOLE   43,457 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 819 5,239 SH   SOLE   5,239 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 811 19,835 SH   SOLE   19,835 0 0
MICROSOFT CORP COM 594918104 757 6,418 SH   SOLE   6,418 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 651 1,884 SH   SOLE   1,884 0 0
APPLE INC COM 037833100 471 2,482 SH   SOLE   2,482 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 471 3,858 SH   SOLE   3,858 0 0
ISHARES TR MSCI EAFE ETF 464287465 426 6,567 SH   SOLE   6,567 0 0
ISHARES TR CORE S&P SCP ETF 464287804 388 5,035 SH   SOLE   5,035 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 380 1,463 SH   SOLE   1,356 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 375 6,212 SH   SOLE   6,212 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 322 2,608 SH   SOLE   2,608 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 302 1,995 SH   SOLE   1,995 0 0
FIRSTSERVICE CORP NEW SUB VTG SH 33767E103 293 3,290 SH   SOLE   3,290 0 0
VANGUARD GROUP DIV APP ETF 921908844 285 2,601 SH   SOLE   2,601 0 0
JOHNSON & JOHNSON COM 478160104 280 2,002 SH   SOLE   2,002 0 0
ROYAL BK CDA MONTREAL QUE COM 780087102 280 3,700 SH   SOLE   3,700 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 264 3,083 SH   SOLE   3,083 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 260 1,796 SH   SOLE   1,796 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 243 1,586 SH   SOLE   1,586 0 0
ECOLAB INC COM 278865100 212 1,200 SH   SOLE   1,200 0 0
AMAZON COM INC COM 023135106 210 118 SH   SOLE   118 0 0