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
Estimated average burden
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
3M CO COM 88579Y101 2,630 12,635 SH   SOLE   12,635 0 0
ALPHABET INC CAP STK CL C 02079K107 1,631 1,795 SH   SOLE   1,795 0 0
AMERICAN TOWER CORP NEW COM 03027X100 271 2,050 SH   SOLE   2,050 0 0
APPLE INC COM 037833100 2,603 18,077 SH   SOLE   18,077 0 0
AT&T INC COM 00206R102 1,980 52,467 SH   SOLE   52,467 0 0
BECTON DICKINSON & CO COM 075887109 1,320 6,765 SH   SOLE   6,765 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 263 1,550 SH   SOLE   1,550 0 0
BOEING CO COM 097023105 280 1,415 SH   SOLE   1,415 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 361 6,486 SH   SOLE   6,486 0 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 368 9,000 SH   SOLE   9,000 0 0
CANADIAN NATL RY CO COM 136375102 297 3,665 SH   SOLE   3,665 0 0
CDN IMPERIAL BK COMM TORONTO COM 136069101 1,326 16,335 SH   SOLE   16,335 0 0
CHEVRON CORP NEW COM 166764100 1,145 10,971 SH   SOLE   10,971 0 0
CIGNA CORPORATION COM 125509109 1,130 6,748 SH   SOLE   6,748 0 0
COCA COLA CO COM 191216100 296 6,596 SH   SOLE   6,596 0 0
CONOCOPHILLIPS COM 20825C104 468 10,638 SH   SOLE   10,638 0 0
CSX CORP COM 126408103 960 17,600 SH   SOLE   17,600 0 0
DIAGEO P L C SPON ADR NEW 25243Q205 1,512 12,620 SH   SOLE   12,620 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 449 5,565 SH   SOLE   5,565 0 0
EXXON MOBIL CORP COM 30231G102 2,422 30,003 SH   SOLE   30,003 0 0
GENERAL ELECTRIC CO COM 369604103 986 36,493 SH   SOLE   36,493 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 1,383 32,065 SH   SOLE   32,065 0 0
HONEYWELL INTL INC COM 438516106 233 1,750 SH   SOLE   1,750 0 0
ILLINOIS TOOL WKS INC COM 452308109 1,306 9,120 SH   SOLE   9,120 0 0
INTEL CORP COM 458140100 282 8,370 SH   SOLE   8,370 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 759 4,933 SH   SOLE   4,933 0 0
ISHARES IBONDS SEP17 ETF 464289271 1,040 38,216 SH   SOLE   38,216 0 0
ISHARES MIN VOL EMRG MKT 464286533 4,324 78,044 SH   SOLE   78,044 0 0
ISHARES TR COHEN&STEER REIT 464287564 469 4,635 SH   SOLE   4,635 0 0
ISHARES TR IBONDS DEC21 ETF 46435G789 1,049 40,655 SH   SOLE   40,655 0 0
ISHARES TR IBONDS DEC22 ETF 46435G755 1,030 39,600 SH   SOLE   39,600 0 0
ISHARES TR IBONDS SEP18 ETF 46429B580 1,030 40,425 SH   SOLE   40,425 0 0
ISHARES TR IBONDS SEP19 ETF 46429B564 1,032 40,435 SH   SOLE   40,435 0 0
ISHARES TR IBONDS SEP20 ETF 46434V571 1,014 39,615 SH   SOLE   39,615 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 15,514 224,062 SH   SOLE   224,062 0 0
ISHARES TR MIN VOL USA ETF 46429B697 16,035 327,705 SH   SOLE   327,705 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 489 11,815 SH   SOLE   11,815 0 0
ISHARES TR TIPS BD ETF 464287176 221 1,950 SH   SOLE   1,950 0 0
ISHARES TR U.S. TECH ETF 464287721 550 3,934 SH   SOLE   3,934 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 9,440 106,200 SH   SOLE   106,200 0 0
JOHNSON & JOHNSON COM 478160104 2,323 17,560 SH   SOLE   17,560 0 0
JPMORGAN CHASE & CO COM 46625H100 489 5,347 SH   SOLE   5,347 0 0
LOEWS CORP COM 540424108 1,742 37,215 SH   SOLE   37,215 0 0
LOWES COS INC COM 548661107 330 4,255 SH   SOLE   4,255 0 0
MICROSOFT CORP COM 594918104 264 3,829 SH   SOLE   3,829 0 0
NORFOLK SOUTHERN CORP COM 655844108 949 7,800 SH   SOLE   7,800 0 0
ORACLE CORP COM 68389X105 2,152 42,910 SH   SOLE   42,910 0 0
PEPSICO INC COM 713448108 1,695 14,679 SH   SOLE   14,679 0 0
PFIZER INC COM 717081103 816 24,300 SH   SOLE   24,300 0 0
PHILLIPS 66 COM 718546104 489 5,910 SH   SOLE   5,910 0 0
PIMCO HIGH INCOME FD COM SHS 722014107 136 15,517 SH   SOLE   15,517 0 0
POWERSHARES ETF TR II INTL DEV LOWVL 73937B688 717 22,185 SH   SOLE   22,185 0 0
POWERSHARES ETF TR II PWRSHS SP500 LOW 73937B654 1,184 29,430 SH   SOLE   29,430 0 0
PRICE T ROWE GROUP INC COM 74144T108 1,600 21,565 SH   SOLE   21,565 0 0
PROCTER AND GAMBLE CO COM 742718109 250 2,865 SH   SOLE   2,865 0 0
QUALCOMM INC COM 747525103 485 8,790 SH   SOLE   8,790 0 0
SCHLUMBERGER LTD COM 806857108 527 8,000 SH   SOLE   8,000 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 3,177 58,875 SH   SOLE   58,875 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 547 15,750 SH   SOLE   15,750 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 8,848 315,885 SH   SOLE   315,885 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 3,490 69,221 SH   SOLE   69,221 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,584 49,450 SH   SOLE   49,450 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,653 36,658 SH   SOLE   36,658 0 0
TEXAS INSTRS INC COM 882508104 288 3,745 SH   SOLE   3,745 0 0
UNITED PARCEL SERVICE INC CL B 911312106 224 2,028 SH   SOLE   2,028 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,778 9,590 SH   SOLE   9,590 0 0
V F CORP COM 918204108 2,073 35,990 SH   SOLE   35,990 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 2,601 32,570 SH   SOLE   32,570 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 9,362 172,225 SH   SOLE   172,225 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 3,180 25,030 SH   SOLE   25,030 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 297 2,525 SH   SOLE   2,525 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 11,189 108,769 SH   SOLE   108,769 0 0
VANGUARD INDEX FDS REIT ETF 922908553 8,203 98,553 SH   SOLE   98,553 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 14,979 121,867 SH   SOLE   121,867 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 855 6,874 SH   SOLE   6,874 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,739 140,548 SH   SOLE   140,548 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,708 55,000 SH   SOLE   55,000 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 231 2,890 SH   SOLE   2,890 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 2,883 31,115 SH   SOLE   31,115 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 8,265 200,014 SH   SOLE   200,014 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 247 3,166 SH   SOLE   3,166 0 0
VANGUARD WHITEHALL FDS INC INTL DVD ETF 921946810 2,817 45,660 SH   SOLE   45,660 0 0