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
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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 Stock 023135106 449 243 SH   SOLE 0 0 0 243
INVESCO QQQ TRUST ETF 46090E103 218 1,024 SH   SOLE 0 0 0 1,024
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 12,916 140,894 SH   SOLE 0 0 0 140,894
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649 16,407 558,452 SH   SOLE 0 0 0 558,452
JOHNSON & JOHNSON COM Stock 478160104 209 1,431 SH   SOLE 0 0 0 1,431
VANGUARD ENERGY INDEX FUND ETF 92204A306 208 2,556 SH   SOLE 0 0 0 2,556
VANGUARD INTERNATIONAL DIVIDEND APPRECIATION ETF ETF 921946810 229 3,184 SH   SOLE 0 0 0 3,184
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 203 4,533 SH   SOLE 0 0 0 4,533
COCA COLA CO COM Stock 191216100 537 9,700 SH   SOLE 0 0 0 9,700
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND ETF 336917109 203 6,246 SH   SOLE 0 0 0 6,246
VANGUARD REAL ESTATE ETF ETF 922908553 2,726 29,373 SH   SOLE 0 0 0 29,373
MERCK & CO INC COM Stock 58933Y105 418 4,596 SH   SOLE 0 0 0 4,596
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 482 4,515 SH   SOLE 0 0 0 4,515
SPDR S&P 500 ETF ETF 78462F103 235 729 SH   SOLE 0 0 0 729
VANECK VECTORS NATURAL RESOURCES ETF ETF 92189F841 1,830 49,246 SH   SOLE 0 0 0 49,246
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF 922042718 500 4,497 SH   SOLE 0 0 0 4,497
PEPSICO INC COM Stock 713448108 367 2,683 SH   SOLE 0 0 0 2,683
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 4,707 46,214 SH   SOLE 0 0 0 46,214
SPDR GOLD SHARES ETF 78463V107 8,021 56,131 SH   SOLE 0 0 0 56,131
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 326 4,304 SH   SOLE 0 0 0 4,304
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 290 8,612 SH   SOLE 0 0 0 8,612
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 405 5,268 SH   SOLE 0 0 0 5,268
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 442 7,021 SH   SOLE 0 0 0 7,021
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 395 7,829 SH   SOLE 0 0 0 7,829
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 934 4,122 SH   SOLE 0 0 0 4,122
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 387 14,138 SH   SOLE 0 0 0 14,138
ISHARES CORE MSCI INTERNATIONAL DEVELOPED MARKETS ETF ETF 46435G326 285 4,908 SH   SOLE 0 0 0 4,908
ALPHABET INC CAP STK CL A Stock 02079K305 234 175 SH   SOLE 0 0 0 175
MICROSOFT CORP COM Stock 594918104 224 1,421 SH   SOLE 0 0 0 1,421
INVESCO CEF INCOME COMPOSITE ETF ETF 46138E404 851 36,500 SH   SOLE 0 0 0 36,500
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 41,600 251,147 SH   SOLE 0 0 0 251,147
VANGUARD MID-CAP INDEX FUND ETF 922908629 30,236 169,694 SH   SOLE 0 0 0 169,694
VANGUARD LARGE-CAP INDEX FUND ETF 922908637 59,998 405,834 SH   SOLE 0 0 0 405,834
NEXTERA ENERGY INC COM Stock 65339F101 448 1,849 SH   SOLE 0 0 0 1,849
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 8,719 283,268 SH   SOLE 0 0 0 283,268
ALERIAN MLP ETF ETF 00162Q866 450 52,944 SH   SOLE 0 0 0 52,944
SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 7,915 156,787 SH   SOLE 0 0 0 156,787
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325 9,887 378,178 SH   SOLE 0 0 0 378,178
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 5,505 54,659 SH   SOLE 0 0 0 54,659
VANECK VECTORS GOLD MINERS ETF ETF 92189F106 201 6,866 SH   SOLE 0 0 0 6,866
SPDR S&P EMERGING MARKETS DIVIDEND ETF ETF 78463X533 623 19,415 SH   SOLE 0 0 0 19,415
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771 13,766 258,903 SH   SOLE 0 0 0 258,903
ISHARES SELECT DIVIDEND ETF ETF 464287168 382 3,618 SH   SOLE 0 0 0 3,618
GLOBAL X SUPERDIVIDEND ETF ETF 37950E549 396 22,404 SH   SOLE 0 0 0 22,404
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 615 4,489 SH   SOLE 0 0 0 4,489
VANGUARD MID-CAP GROWTH INDEX FUND ETF 922908538 446 2,812 SH   SOLE 0 0 0 2,812
VISA INC COM CL A Stock 92826C839 274 1,457 SH   SOLE 0 0 0 1,457
VANGUARD SMALL-CAP GROWTH INDEX FUND ETF 922908595 509 2,560 SH   SOLE 0 0 0 2,560
VANGUARD VALUE INDEX FUND ETF 922908744 26,183 218,464 SH   SOLE 0 0 0 218,464
VANGUARD GROWTH INDEX FUND ETF 922908736 19,000 104,298 SH   SOLE 0 0 0 104,298
VANECK VECTORS OIL SERVICES ETF ETF 92189F718 4,022 303,556 SH   SOLE 0 0 0 303,556
SPDR S&P METALS AND MINING ETF ETF 78464A755 5,433 185,479 SH   SOLE 0 0 0 185,479
VANECK VECTORS JUNIOR GOLD MINERS ETF ETF 92189F791 370 8,751 SH   SOLE 0 0 0 8,751
KRANESHARES CSI CHINA INTERNET ETF ETF 500767306 5,576 114,550 SH   SOLE 0 0 0 114,550
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101 10,342 345,199 SH   SOLE 0 0 0 345,199
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 2,821 14,592 SH   SOLE 0 0 0 14,592
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 2,153 17,168 SH   SOLE 0 0 0 17,168
SPDR S&P OIL & GAS EQUIPMENT & SERVICES ETF ETF 78464A748 147 18,189 SH   SOLE 0 0 0 18,189
INVESCO BULLETSHARES 2021 CORPORATE BOND ETF ETF 46138J700 2,693 126,791 SH   SOLE 0 0 0 126,791
INVESCO BULLETSHARES 2022 CORPORATE BOND ETF ETF 46138J882 2,689 125,022 SH   SOLE 0 0 0 125,022
UNION PACIFIC CORP COM Stock 907818108 750 4,148 SH   SOLE 0 0 0 4,148
VANGUARD MID-CAP VALUE INDEX FUND ETF 922908512 421 3,533 SH   SOLE 0 0 0 3,533
JPMORGAN CHASE & CO COM Stock 46625H100 423 3,032 SH   SOLE 0 0 0 3,032
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 7,119 62,496 SH   SOLE 0 0 0 62,496
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 60,292 1,368,396 SH   SOLE 0 0 0 1,368,396
SPDR S&P DIVIDEND ETF ETF 78464A763 346 3,213 SH   SOLE 0 0 0 3,213
ORACLE CORP COM Stock 68389X105 228 4,305 SH   SOLE 0 0 0 4,305
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 43,521 978,655 SH   SOLE 0 0 0 978,655
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 2,172 23,181 SH   SOLE 0 0 0 23,181
PFIZER INC COM Stock 717081103 244 6,229 SH   SOLE 0 0 0 6,229
VANECK VECTORS SHORT HIGH-YIELD MUNICIPAL INDEX ETF ETF 92189F387 1,595 63,294 SH   SOLE 0 0 0 63,294
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 10,778 95,911 SH   SOLE 0 0 0 95,911
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879 2,859 17,777 SH   SOLE 0 0 0 17,777
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF ETF 46138J866 2,608 122,406 SH   SOLE 0 0 0 122,406
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841 2,668 124,278 SH   SOLE 0 0 0 124,278
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 20,777 257,752 SH   SOLE 0 0 0 257,752
VANGUARD MEGA CAP ETF ETF 921910873 15,197 136,029 SH   SOLE 0 0 0 136,029
SPDR DOW JONES REIT ETF ETF 78464A607 5,348 52,423 SH   SOLE 0 0 0 52,423
SPDR S&P INTERNATIONAL DIVIDEND ETF ETF 78463X772 739 18,382 SH   SOLE 0 0 0 18,382
EXXON MOBIL CORP COM Stock 30231G102 237 3,402 SH   SOLE 0 0 0 3,402
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 701 22,366 SH   SOLE 0 0 0 22,366
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746 7,156 133,661 SH   SOLE 0 0 0 133,661
ISHARES MSCI EAFE ETF ETF 464287465 17,373 250,193 SH   SOLE 0 0 0 250,193
APPLE INC COM Stock 037833100 346 1,177 SH   SOLE 0 0 0 1,177
VANGUARD TOTAL WORLD STOCK INDEX FUND ETF 922042742 223 2,751 SH   SOLE 0 0 0 2,751