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 545 176 SH   SOLE 0 0 0 176
INVESCO QQQ TRUST ETF 46090E103 201 630 SH   SOLE 0 0 0 630
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 4,585 34,525 SH   SOLE 0 272 0 34,253
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649 25,979 876,198 SH   SOLE 0 8,285 0 867,913
SPDR PORTFOLIO S&P 500 HIGH DIVIDEND ETF ETF 78468R788 1,574 40,880 SH   SOLE 0 556 0 40,324
JOHNSON & JOHNSON COM Stock 478160104 277 1,687 SH   SOLE 0 0 0 1,687
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 411 1,988 SH   SOLE 0 0 0 1,988
VANGUARD ENERGY INDEX FUND ETF 92204A306 272 4,007 SH   SOLE 0 0 0 4,007
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 1,648 30,890 SH   SOLE 0 0 0 30,890
COCA COLA CO COM Stock 191216100 629 11,931 SH   SOLE 0 58 0 11,873
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND ETF 336917109 204 6,246 SH   SOLE 0 0 0 6,246
ISHARES U.S. ENERGY ETF ETF 464287796 558 21,269 SH   SOLE 0 0 0 21,269
MERCK & CO. INC COM Stock 58933Y105 396 5,132 SH   SOLE 0 39 0 5,093
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 7,670 71,134 SH   SOLE 0 17 0 71,117
SPDR S&P 500 ETF ETF 78462F103 427 1,078 SH   SOLE 0 0 0 1,078
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF 922042718 574 4,468 SH   SOLE 0 0 0 4,468
PEPSICO INC COM Stock 713448108 333 2,351 SH   SOLE 0 486 0 1,865
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 1,548 13,257 SH   SOLE 0 185 0 13,072
SPDR GOLD SHARES ETF 78463V107 11,684 73,045 SH   SOLE 0 1,416 0 71,629
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 224 920 SH   SOLE 0 0 0 920
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 468 12,428 SH   SOLE 0 1,760 0 10,668
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 245 2,550 SH   SOLE 0 0 0 2,550
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 615 12,108 SH   SOLE 0 4,923 0 7,185
ISHARES S&P SMALL-CAP FUND ETF 464287804 345 3,177 SH   SOLE 0 0 0 3,177
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 296 1,160 SH   SOLE 0 0 0 1,160
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 48,452 1,524,597 SH   SOLE 0 30,909 0 1,493,688
ALPHABET INC CAP STK CL A Stock 02079K305 328 159 SH   SOLE 0 0 0 159
MICROSOFT CORP COM Stock 594918104 334 1,418 SH   SOLE 0 0 0 1,418
INVESCO CEF INCOME COMPOSITE ETF ETF 46138E404 746 32,090 SH   SOLE 0 0 0 32,090
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 62,331 291,159 SH   SOLE 0 6,290 0 284,868
VANGUARD MID-CAP INDEX FUND ETF 922908629 26,099 117,913 SH   SOLE 0 2,598 0 115,315
VANGUARD LARGE-CAP INDEX FUND ETF 922908637 67,490 364,222 SH   SOLE 0 6,640 0 357,582
NEXTERA ENERGY INC COM Stock 65339F101 561 7,424 SH   SOLE 0 0 0 7,424
SPDR S&P KENSHO NEW ECONOMIES COMPOSITE ETF ETF 78468R648 640 9,459 SH   SOLE 0 0 0 9,459
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764 232 3,910 SH   SOLE 0 0 0 3,910
ALERIAN MLP ETF ETF 00162Q452 10,590 347,229 SH   SOLE 0 1,227 0 346,002
SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 16,622 323,947 SH   SOLE 0 2,566 0 321,381
VANGUARD CONSUMER STAPLES INDEX FUND ETF 92204A207 205 1,153 SH   SOLE 0 0 0 1,153
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325 11,716 431,375 SH   SOLE 0 14,283 0 417,092
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 12,591 119,102 SH   SOLE 0 808 0 118,294
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771 16,429 307,833 SH   SOLE 0 2,847 0 304,985
ISHARES SELECT DIVIDEND ETF ETF 464287168 650 5,693 SH   SOLE 0 0 0 5,693
GLOBAL X SUPERDIVIDEND ETF ETF 37950E549 229 16,452 SH   SOLE 0 355 0 16,097
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 1,924 11,618 SH   SOLE 0 0 0 11,618
VANGUARD MID-CAP GROWTH INDEX FUND ETF 922908538 598 2,787 SH   SOLE 0 0 0 2,787
VISA INC COM CL A Stock 92826C839 265 1,250 SH   SOLE 0 0 0 1,250
VANGUARD SMALL-CAP GROWTH INDEX FUND ETF 922908595 703 2,560 SH   SOLE 0 0 0 2,560
VANGUARD VALUE INDEX FUND ETF 922908744 25,999 197,772 SH   SOLE 0 888 0 196,884
VANGUARD GROWTH INDEX FUND ETF 922908736 17,843 69,416 SH   SOLE 0 338 0 69,078
ISHARES EMERGING MARKETS DIVIDEND ETF ETF 464286319 685 17,475 SH   SOLE 0 374 0 17,101
ISHARES MSCI GLOBAL SILVER AND METALS MINERS ETF ETF 464286327 6,991 473,630 SH   SOLE 0 4,055 0 469,575
SPDR S&P METALS AND MINING ETF ETF 78464A755 1,048 26,250 SH   SOLE 0 0 0 26,250
MCDONALDS CORP COM Stock 580135101 227 1,013 SH   SOLE 0 0 0 1,013
ISHARES MSCI FRONTIER AND SELECT EM ETF ETF 464286145 394 13,362 SH   SOLE 0 0 0 13,362
VANECK VECTORS JUNIOR GOLD MINERS ETF ETF 92189F791 360 7,989 SH   SOLE 0 0 0 7,989
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101 252 8,223 SH   SOLE 0 0 0 8,223
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 1,370 8,150 SH   SOLE 0 129 0 8,021
INVESCO S&P ULTRA DIVIDEND REVENUE ETF ETF 46138G656 938 23,574 SH   SOLE 0 246 0 23,328
FIDELITY MSCI ENERGY INDEX ETF ETF 316092402 164 12,382 SH   SOLE 0 0 0 12,382
INVESCO BULLETSHARES 2021 CORPORATE BOND ETF ETF 46138J700 3,271 154,786 SH   SOLE 0 1,443 0 153,343
INVESCO BULLETSHARES 2022 CORPORATE BOND ETF ETF 46138J882 3,269 151,072 SH   SOLE 0 1,413 0 149,658
UNION PAC CORP COM Stock 907818108 909 4,123 SH   SOLE 0 0 0 4,123
VANGUARD MID-CAP VALUE INDEX FUND ETF 922908512 731 5,417 SH   SOLE 0 0 0 5,417
JPMORGAN CHASE & CO COM Stock 46625H100 577 3,792 SH   SOLE 0 0 0 3,792
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 8,089 69,705 SH   SOLE 0 2,592 0 67,113
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 61,575 1,253,812 SH   SOLE 0 14,319 0 1,239,493
SPDR S&P DIVIDEND ETF ETF 78464A763 205 1,740 SH   SOLE 0 0 0 1,740
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448 1,456 46,266 SH   SOLE 0 468 0 45,798
ORACLE CORP COM Stock 68389X105 294 4,186 SH   SOLE 0 0 0 4,186
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1,708 32,822 SH   SOLE 0 17 0 32,805
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 24,401 241,376 SH   SOLE 0 5,051 0 236,325
SPDR SSGA ULTRA SHORT TERM BOND ETF ETF 78467V707 9,342 230,896 SH   SOLE 0 551 0 230,345
VANECK VECTORS SHORT HIGH YIELD MUNI ETF ETF 92189F387 5,428 216,921 SH   SOLE 0 2,550 0 214,371
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 12,857 112,946 SH   SOLE 0 1,044 0 111,901
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879 19,500 193,571 SH   SOLE 0 3,280 0 190,291
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF ETF 46138J866 3,268 150,115 SH   SOLE 0 1,408 0 148,706
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841 3,254 146,782 SH   SOLE 0 1,181 0 145,601
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 7,552 91,880 SH   SOLE 0 6,622 0 85,258
VANGUARD MEGA CAP ETF ETF 921910873 18,077 128,912 SH   SOLE 0 2,862 0 126,050
LOWES COS INC COM Stock 548661107 420 2,211 SH   SOLE 0 0 0 2,211
COLGATE PALMOLIVE CO COM Stock 194162103 206 2,616 SH   SOLE 0 0 0 2,616
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 6,458 182,646 SH   SOLE 0 21,294 0 161,352
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746 11,843 216,740 SH   SOLE 0 3,915 0 212,825
ISHARES MSCI EAFE ETF ETF 464287465 19,220 253,331 SH   SOLE 0 1,363 0 251,968
APPLE INC COM Stock 037833100 614 5,029 SH   SOLE 0 700 0 4,329
DISNEY WALT CO COM Stock 254687106 263 1,425 SH   SOLE 0 375 0 1,050
ISHARES RUSSELL 1000 ETF ETF 464287622 201 899 SH   SOLE 0 0 0 899