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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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 570 181 SH   SOLE 0 0 0 181
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 11,852 101,558 SH   SOLE 0 2,325 0 99,232
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649 23,943 777,119 SH   SOLE 0 5,473 0 771,646
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 329 1,930 SH   SOLE 0 0 0 1,930
VANGUARD INTERNATIONAL DIVIDEND APPRECIATION ETF ETF 921946810 316 4,384 SH   SOLE 0 0 0 4,384
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 593 13,461 SH   SOLE 0 0 0 13,461
COCA COLA CO COM Stock 191216100 464 9,400 SH   SOLE 0 0 0 9,400
ISHARES U.S. ENERGY ETF ETF 464287796 238 14,887 SH   SOLE 0 0 0 14,887
VANGUARD REAL ESTATE ETF ETF 922908553 2,217 28,073 SH   SOLE 0 84 0 27,989
MERCK & CO. INC COM Stock 58933Y105 373 4,496 SH   SOLE 0 0 0 4,496
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 449 4,152 SH   SOLE 0 0 0 4,152
SPDR S&P 500 ETF ETF 78462F103 369 1,101 SH   SOLE 0 0 0 1,101
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF 922042718 473 4,494 SH   SOLE 0 0 0 4,494
PEPSICO INC COM Stock 713448108 415 2,994 SH   SOLE 0 486 0 2,508
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 5,332 50,547 SH   SOLE 0 398 0 50,149
SPDR GOLD SHARES ETF 78463V107 15,667 88,454 SH   SOLE 0 1,249 0 87,205
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 432 13,759 SH   SOLE 0 1,760 0 11,999
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 231 2,860 SH   SOLE 0 0 0 2,860
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 414 8,151 SH   SOLE 0 0 0 8,151
ISHARES S&P SMALL-CAP FUND ETF 464287804 397 5,654 SH   SOLE 0 0 0 5,654
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 43,180 1,613,587 SH   SOLE 0 28,446 0 1,585,141
ALPHABET INC CAP STK CL A Stock 02079K305 256 175 SH   SOLE 0 0 0 175
MICROSOFT CORP COM Stock 594918104 294 1,399 SH   SOLE 0 0 0 1,399
INVESCO CEF INCOME COMPOSITE ETF ETF 46138E404 739 36,500 SH   SOLE 0 0 0 36,500
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 55,899 363,451 SH   SOLE 0 6,223 0 357,227
VANGUARD MID-CAP INDEX FUND ETF 922908629 22,765 129,158 SH   SOLE 0 3,230 0 125,928
VANGUARD LARGE-CAP INDEX FUND ETF 922908637 58,886 376,413 SH   SOLE 0 7,352 0 369,061
NEXTERA ENERGY INC COM Stock 65339F101 462 1,663 SH   SOLE 0 0 0 1,663
SPDR S&P KENSHO NEW ECONOMIES COMPOSITE ETF ETF 78468R648 725 16,926 SH   SOLE 0 0 0 16,926
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 2,172 90,232 SH   SOLE 0 0 0 90,232
SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 14,646 284,391 SH   SOLE 0 1,570 0 282,821
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325 10,890 398,985 SH   SOLE 0 12,323 0 386,662
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 5,972 57,388 SH   SOLE 0 400 0 56,988
VANECK VECTORS GOLD MINERS ETF ETF 92189F106 343 8,758 SH   SOLE 0 0 0 8,758
SPDR S&P EMERGING MARKETS DIVIDEND ETF ETF 78463X533 200 8,235 SH   SOLE 0 0 0 8,235
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771 14,776 272,261 SH   SOLE 0 1,900 0 270,360
ISHARES SELECT DIVIDEND ETF ETF 464287168 8,346 102,352 SH   SOLE 0 1,060 0 101,292
GLOBAL X SUPERDIVIDEND ETF ETF 37950E549 246 22,851 SH   SOLE 0 0 0 22,851
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 1,129 10,207 SH   SOLE 0 0 0 10,207
VANGUARD MID-CAP GROWTH INDEX FUND ETF 922908538 502 2,787 SH   SOLE 0 0 0 2,787
VISA INC COM CL A Stock 92826C839 291 1,457 SH   SOLE 0 0 0 1,457
VANGUARD SMALL-CAP GROWTH INDEX FUND ETF 922908595 550 2,560 SH   SOLE 0 0 0 2,560
VANGUARD VALUE INDEX FUND ETF 922908744 20,532 196,457 SH   SOLE 0 1,027 0 195,430
VANGUARD GROWTH INDEX FUND ETF 922908736 18,880 82,947 SH   SOLE 0 401 0 82,546
ISHARES EMERGING MARKETS DIVIDEND ETF ETF 464286319 279 9,268 SH   SOLE 0 0 0 9,268
SPDR S&P METALS AND MINING ETF ETF 78464A755 357 15,345 SH   SOLE 0 0 0 15,345
ISHARES MSCI FRONTIER 100 FUND ETF 464286145 351 13,714 SH   SOLE 0 0 0 13,714
VANECK VECTORS JUNIOR GOLD MINERS ETF ETF 92189F791 621 11,213 SH   SOLE 0 0 0 11,213
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101 483 15,729 SH   SOLE 0 58 0 15,671
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 2,807 19,096 SH   SOLE 0 322 0 18,774
INVESCO BULLETSHARES 2021 CORPORATE BOND ETF ETF 46138J700 2,878 134,998 SH   SOLE 0 960 0 134,038
INVESCO BULLETSHARES 2022 CORPORATE BOND ETF ETF 46138J882 2,913 133,398 SH   SOLE 0 948 0 132,449
UNION PAC CORP COM Stock 907818108 817 4,148 SH   SOLE 0 0 0 4,148
VANGUARD MID-CAP VALUE INDEX FUND ETF 922908512 549 5,417 SH   SOLE 0 0 0 5,417
JPMORGAN CHASE & CO COM Stock 46625H100 272 2,827 SH   SOLE 0 0 0 2,827
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 7,440 64,177 SH   SOLE 0 2,304 0 61,873
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 56,571 1,383,144 SH   SOLE 0 11,849 0 1,371,295
SPDR S&P DIVIDEND ETF ETF 78464A763 204 2,204 SH   SOLE 0 0 0 2,204
ORACLE CORP COM Stock 68389X105 250 4,186 SH   SOLE 0 0 0 4,186
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1,704 39,403 SH   SOLE 0 17 0 39,386
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 19,104 236,062 SH   SOLE 0 4,536 0 231,526
VANECK VECTORS SHORT HIGH YIELD MUNI ETF ETF 92189F387 4,672 191,631 SH   SOLE 0 2,476 0 189,155
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 11,918 100,950 SH   SOLE 0 705 0 100,244
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879 213 1,738 SH   SOLE 0 350 0 1,388
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF ETF 46138J866 2,929 134,405 SH   SOLE 0 951 0 133,453
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841 2,954 133,199 SH   SOLE 0 739 0 132,460
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 463 5,574 SH   SOLE 0 43 0 5,531
VANGUARD MEGA CAP ETF ETF 921910873 16,030 133,694 SH   SOLE 0 2,512 0 131,182
SPDR DOW JONES REIT ETF ETF 78464A607 4,395 56,369 SH   SOLE 0 1,146 0 55,222
SPDR S&P INTERNATIONAL DIVIDEND ETF ETF 78463X772 510 15,113 SH   SOLE 0 0 0 15,113
LOWES COS INC COM Stock 548661107 358 2,156 SH   SOLE 0 0 0 2,156
COLGATE PALMOLIVE CO COM Stock 194162103 202 2,616 SH   SOLE 0 0 0 2,616
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 5,506 188,187 SH   SOLE 0 21,294 0 166,893
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746 11,019 202,408 SH   SOLE 0 6,165 0 196,243
ISHARES MSCI EAFE ETF ETF 464287465 15,700 246,665 SH   SOLE 0 1,399 0 245,266
APPLE INC COM Stock 037833100 624 5,388 SH   SOLE 0 700 0 4,688