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 353 181 SH   SOLE 0 0 0 181
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 10,676 132,836 SH   SOLE 0 1,577 0 131,258
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649 22,561 746,549 SH   SOLE 0 3,585 0 742,964
VANGUARD INTERNATIONAL DIVIDEND APPRECIATION ETF ETF 921946810 256 4,384 SH   SOLE 0 0 0 4,384
COCA COLA CO COM Stock 191216100 420 9,500 SH   SOLE 0 0 0 9,500
VANGUARD REAL ESTATE ETF ETF 922908553 1,963 28,097 SH   SOLE 0 113 0 27,984
MERCK & CO. INC COM Stock 58933Y105 346 4,496 SH   SOLE 0 0 0 4,496
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 441 4,152 SH   SOLE 0 0 0 4,152
SPDR S&P 500 ETF ETF 78462F103 284 1,101 SH   SOLE 0 0 0 1,101
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF 922042718 352 4,494 SH   SOLE 0 0 0 4,494
PEPSICO INC COM Stock 713448108 391 3,256 SH   SOLE 0 486 0 2,770
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 4,498 50,775 SH   SOLE 0 538 0 50,237
SPDR GOLD SHARES ETF 78463V107 12,890 87,063 SH   SOLE 0 846 0 86,217
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 271 10,479 SH   SOLE 0 1,760 0 8,719
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 32,527 1,572,099 SH   SOLE 0 4,582 0 1,567,517
ISHARES CORE MSCI INTERNATIONAL DEVELOPED MARKETS ETF ETF 46435G326 243 5,480 SH   SOLE 0 0 0 5,480
ALPHABET INC CAP STK CL A Stock 02079K305 203 175 SH   SOLE 0 0 0 175
MICROSOFT CORP COM Stock 594918104 221 1,399 SH   SOLE 0 0 0 1,399
INVESCO CEF INCOME COMPOSITE ETF ETF 46138E404 639 36,500 SH   SOLE 0 0 0 36,500
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 39,756 344,384 SH   SOLE 0 3,700 0 340,683
VANGUARD MID-CAP INDEX FUND ETF 922908629 21,343 162,117 SH   SOLE 0 2,170 0 159,947
VANGUARD LARGE-CAP INDEX FUND ETF 922908637 43,754 369,449 SH   SOLE 0 5,616 0 363,833
NEXTERA ENERGY INC COM Stock 65339F101 400 1,663 SH   SOLE 0 0 0 1,663
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 1,934 92,891 SH   SOLE 0 2,030 0 90,861
ALERIAN MLP ETF ETF 00162Q866 164 47,668 SH   SOLE 0 0 0 47,668
SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 13,913 268,956 SH   SOLE 0 1,189 0 267,767
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325 10,204 388,857 SH   SOLE 0 9,472 0 379,385
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 5,527 55,323 SH   SOLE 0 275 0 55,048
SPDR S&P EMERGING MARKETS DIVIDEND ETF ETF 78463X533 443 19,955 SH   SOLE 0 0 0 19,955
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771 14,294 262,268 SH   SOLE 0 1,297 0 260,970
ISHARES SELECT DIVIDEND ETF ETF 464287168 219 2,973 SH   SOLE 0 0 0 2,973
GLOBAL X SUPERDIVIDEND ETF ETF 37950E549 219 23,468 SH   SOLE 0 0 0 23,468
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 395 4,449 SH   SOLE 0 0 0 4,449
VANGUARD MID-CAP GROWTH INDEX FUND ETF 922908538 353 2,787 SH   SOLE 0 0 0 2,787
VISA INC COM CL A Stock 92826C839 235 1,457 SH   SOLE 0 0 0 1,457
VANGUARD SMALL-CAP GROWTH INDEX FUND ETF 922908595 385 2,560 SH   SOLE 0 0 0 2,560
VANGUARD VALUE INDEX FUND ETF 922908744 17,419 195,583 SH   SOLE 0 1,388 0 194,195
VANGUARD GROWTH INDEX FUND ETF 922908736 15,300 97,644 SH   SOLE 0 627 0 97,017
SPDR S&P METALS AND MINING ETF ETF 78464A755 296 18,343 SH   SOLE 0 1,866 0 16,477
VANECK VECTORS JUNIOR GOLD MINERS ETF ETF 92189F791 281 10,003 SH   SOLE 0 0 0 10,003
KRANESHARES CSI CHINA INTERNET ETF ETF 500767306 519 11,456 SH   SOLE 0 1,249 0 10,206
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101 552 17,984 SH   SOLE 0 58 0 17,926
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 1,885 19,222 SH   SOLE 0 435 0 18,787
INVESCO BULLETSHARES 2021 CORPORATE BOND ETF ETF 46138J700 2,714 129,405 SH   SOLE 0 653 0 128,752
INVESCO BULLETSHARES 2022 CORPORATE BOND ETF ETF 46138J882 2,710 127,965 SH   SOLE 0 649 0 127,315
UNION PAC CORP COM Stock 907818108 585 4,148 SH   SOLE 0 0 0 4,148
VANGUARD MID-CAP VALUE INDEX FUND ETF 922908512 287 3,533 SH   SOLE 0 0 0 3,533
JPMORGAN CHASE & CO COM Stock 46625H100 255 2,827 SH   SOLE 0 0 0 2,827
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 6,973 61,702 SH   SOLE 0 1,857 0 59,845
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 45,660 1,369,539 SH   SOLE 0 17,202 0 1,352,337
SPDR S&P DIVIDEND ETF ETF 78464A763 229 2,863 SH   SOLE 0 0 0 2,863
ORACLE CORP COM Stock 68389X105 202 4,186 SH   SOLE 0 0 0 4,186
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1,963 58,517 SH   SOLE 0 9,219 0 49,298
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 13,760 194,484 SH   SOLE 0 268 0 194,216
VANECK VECTORS SHORT HIGH-YIELD MUNICIPAL INDEX ETF ETF 92189F387 1,393 61,864 SH   SOLE 0 0 0 61,864
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 11,245 97,467 SH   SOLE 0 484 0 96,982
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF ETF 46138J866 2,673 128,991 SH   SOLE 0 651 0 128,339
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841 2,640 127,865 SH   SOLE 0 443 0 127,422
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 838 10,193 SH   SOLE 0 473 0 9,720
VANGUARD MEGA CAP ETF ETF 921910873 11,596 127,516 SH   SOLE 0 161 0 127,355
SPDR DOW JONES REIT ETF ETF 78464A607 3,882 53,761 SH   SOLE 0 711 0 53,049
SPDR S&P INTERNATIONAL DIVIDEND ETF ETF 78463X772 583 19,044 SH   SOLE 0 0 0 19,044
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 3,621 151,248 SH   SOLE 0 0 0 151,248
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746 10,240 193,576 SH   SOLE 0 4,734 0 188,842
ISHARES MSCI EAFE ETF ETF 464287465 12,998 243,133 SH   SOLE 0 1,891 0 241,242
APPLE INC COM Stock 037833100 369 1,452 SH   SOLE 0 175 0 1,277