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
ALPHATEC HOLDINGS INC COM NEW COM NEW 02081G201 207 67,757 SH   SOLE   0 0 67,757
ISHARES 0-5 YEAR TIPS BOND ETF 0-5 YR TIPS ETF 46429B747 1,194 11,955 SH   SOLE   0 0 11,955
ISHARES 1-3 YR CREDIT BOND ETF SH TR CRPORT ETF 464288646 575 11,061 SH   SOLE   0 0 11,061
ISHARES AGGREGATE BOND ETF CORE US AGGBD ET 464287226 44,757 390,103 SH   SOLE   0 0 390,103
ISHARES AMT-FREE MUNI BOND ETF NATIONAL MUN ETF 464288414 4,532 41,176 SH   SOLE   0 0 41,176
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF BROAD USD HIGH 46435U853 2,499 72,670 SH   SOLE   0 0 72,670
ISHARES CORE 1-5 YEAR USD BOND ETF CORE 1 5 YR USD 46432F859 9,524 189,087 SH   SOLE   0 0 189,087
ISHARES CORE INTERNATIONAL AGGREGATE BOND FUND CORE INTL AGGR 46435G672 16,184 297,180 SH   SOLE   0 0 297,180
ISHARES CORE MSCI EAFE CORE MSCI EAFE 46432F842 1,937 40,701 SH   SOLE   0 0 40,701
ISHARES CORE MSCI EMERGING MKTS CORE MSCI EMKT 46434G103 537 13,835 SH   SOLE   0 0 13,835
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF CORE MSCI TOTAL 46432F834 27,007 602,842 SH   SOLE   0 0 602,842
ISHARES CORE S&P MID CAP ETF CORE S&P MCP ETF 464287507 32,253 238,151 SH   SOLE   0 0 238,151
ISHARES CORE S&P U.S. VALUE ETF CORE S&P US VLU 464287663 568 12,895 SH   SOLE   0 0 12,895
ISHARES CORE TOTAL USD BOND MARKET ETF CORE TOTAL USD 46434V613 2,417 46,184 SH   SOLE   0 0 46,184
ISHARES CORE U.S. REIT ETF CRE U S REIT ETF 464288521 1,847 50,800 SH   SOLE   0 0 50,800
ISHARES EDGE MSCI MULTIFACTOR EMERGING MARKETS ETF MLT FCTR EMG MKT 46434G889 2,518 76,457 SH   SOLE   0 0 76,457
ISHARES EDGE MSCI MULTIFACTOR INTL ETF MULTIFACTOR INTL 46434V274 7,976 409,022 SH   SOLE   0 0 409,022
ISHARES EDGE MSCI MULTIFACTOR USA ETF MULTIFACTOR USA 46434V282 17,148 681,287 SH   SOLE   0 0 681,287
ISHARES EDGE MSCI MULTIFACTOR USA SMALL-CAP ETF MULTIFACTOR USA 46434V290 3,248 116,179 SH   SOLE   0 0 116,179
ISHARES EDGE U.S. FIXED INCOME BALANCED RISK ETF EDGE US FIXD INM 46435U796 1,797 18,502 SH   SOLE   0 0 18,502
ISHARES GOLD TRUST ETF ISHARES 464285105 587 38,693 SH   SOLE   0 0 38,693
ISHARES IBONDS DEC 2021 TERM MUNI BOND ETF GLOBAL REIT ETF 46434V647 2,132 83,951 SH   SOLE   0 0 83,951
ISHARES IBONDS DEC 2022 TERM MUNI BOND ETF IBONDS DEC2022 46435G755 2,010 78,444 SH   SOLE   0 0 78,444
ISHARES IBONDS DEC 2023 TERM MUNI BOND ETF IBONDS DEC2023 46435G318 533 20,947 SH   SOLE   0 0 20,947
ISHARES IBONDS SEP 2020 TERM MUNI BOND ETF IBONDS SEP2020 46434V571 3,209 127,331 SH   SOLE   0 0 127,331
ISHARES INTERMEDIATE CREDIT BOND ETF INTRM TR CRP ETF 464288638 951 17,488 SH   SOLE   0 0 17,488
ISHARES LIQUIDITY INCOME ETF ULTR SH TRM BD 46434V878 564 11,299 SH   SOLE   0 0 11,299
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 5,819 113,902 SH   SOLE   0 0 113,902
ISHARES NORTH AMERICAN NATURAL RESOURCES NORTH AMERN NAT 464287374 265 16,499 SH   SOLE   0 0 16,499
ISHARES RUSSELL 1000 ETF RUS 1000 ETF 464287622 1,928 14,249 SH   SOLE   0 0 14,249
ISHARES RUSSELL 1000 VALUE ETF RUS 1000 VAL ETF 464287598 1,397 14,782 SH   SOLE   0 0 14,782
ISHARES RUSSELL MID-CAP ETF RUS MID CAP ETF 464287499 1,992 48,537 SH   SOLE   0 0 48,537
ISHARES S&P 500 INDEX CORE S&P500 ETF 464287200 45,788 185,526 SH   SOLE   0 0 185,526
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 29,058 316,059 SH   SOLE   0 0 316,059
ISHARES S&P MIDCAP 400 VALUE ETF S&P MC 400VL ETF 464287705 2,605 25,256 SH   SOLE   0 0 25,256
ISHARES S&P SMALL-CAP 600 VALUE ETF SP SMCP600VL ETF 464287879 10,756 115,570 SH   SOLE   0 0 115,570
ISHARES S&P SMALL-CAP FUND CORE S&P SCP ETF 464287804 6,034 115,622 SH   SOLE   0 0 115,622
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 8,883 74,988 SH   SOLE   0 0 74,988
ISHARES TR S&P 1500 INDEX FD CORE S&P TTL STK 464287150 1,210 22,199 SH   SOLE   0 0 22,199
ISHARES TRS&P SHORT TERM NATL MUNICIPAL BD FD SHRT NAT MUN ETF 464288158 3,008 28,494 SH   SOLE   0 0 28,494
JP MORGAN CHASE & CO COM 46625H100 1,119 13,270 SH   SOLE   0 0 13,270
LINCOLN NATIONAL CORP IND COM 534187109 524 21,991 SH   SOLE   0 0 21,991
OLD NATL BANCORP IND COM COM 680033107 333 26,532 SH   SOLE   0 0 26,532
SCHWAB ETFS- US SMALL-CAP ETF US SML CAP ETF 808524607 607 12,584 SH   SOLE   0 0 12,584
SCHWAB STRATEGIC TR US LRG CAP ETF US LRG CAP ETF 808524201 1,246 21,300 SH   SOLE   0 0 21,300
SCHWAB US AGGREGATE BOND ETF US AGGREGATE B 808524839 1,489 27,386 SH   SOLE   0 0 27,386
SPDR BARCLAYS CAP TIPS CAPITAL TIPS ETF BLOMBRG BRC TIPS 78464A656 2,334 80,304 SH   SOLE   0 0 80,304
SPDR DJ WILSHIRE REIT (ETF) DJ REIT ETF 78464A607 2,664 39,758 SH   SOLE   0 0 39,758
SPDR HIGH YIELD BOND ETF BLOOMBERG BRCLYS 78464A417 4,480 48,838 SH   SOLE   0 0 48,838
SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF PORTFOLIO INTRMD 78464A375 595 17,642 SH   SOLE   0 0 17,642
SPDR PORTFOLIO S&P 500 VALUE ETF PRTFLO S&P500 VL 78464A508 424 17,157 SH   SOLE   0 0 17,157
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF PORTFOLIO SHORT 78464A474 394 13,070 SH   SOLE   0 0 13,070
SPDR S&P GLOBAL NATURAL RESOURCES ETF GLB NAT RESRCE 78463X541 513 16,981 SH   SOLE   0 0 16,981
SPDR S&P WORLD EX-US ETF PORTFOLIO DEVLPD 78463X889 690 30,161 SH   SOLE   0 0 30,161
VANGUARD EXTENDED MARKET ETF EXTEND MKT ETF 922908652 981 11,536 SH   SOLE   0 0 11,536
VANGUARD FTSE ALL-WORLD EX US INDEX FUND ALLWRLD EX US 922042775 8,341 212,336 SH   SOLE   0 0 212,336
VANGUARD FTSE DEVELOPED MARKETS ETF FTSE DEV MKT ETF 921943858 1,025 32,172 SH   SOLE   0 0 32,172
VANGUARD FTSE EMERGING MARKETS ETF FTSE EMR MKT ETF 922042858 1,150 35,545 SH   SOLE   0 0 35,545
VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF GLB EX US ETF 922042676 503 12,154 SH   SOLE   0 0 12,154
VANGUARD INDEX FDS MID-CAP VALUE INDEX VIPER SHS ETF MCAP VL IDXVIP 922908512 858 11,164 SH   SOLE   0 0 11,164
VANGUARD INTERMEDIATE TERM CORP BOND FD ETF INT-TERM CORP 92206C870 14,237 165,061 SH   SOLE   0 0 165,061
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND INTERMED TERM 921937819 8,067 90,585 SH   SOLE   0 0 90,585
VANGUARD LARGE-CAP INDEX FUND LARGE CAP ETF 922908637 2,603 22,989 SH   SOLE   0 0 22,989
VANGUARD LONG-TERM BOND INDEX FUND LONG TERM BOND 921937793 1,211 11,519 SH   SOLE   0 0 11,519
VANGUARD MEGA CAP ETF MEGA CAP INDEX 921910873 3,099 35,607 SH   SOLE   0 0 35,607
VANGUARD MEGA CAP VALUE ETF MEGA CAP VAL ETF 921910840 4,184 66,233 SH   SOLE   0 0 66,233
VANGUARD MID-CAP INDEX FUND MID CAP ETF 922908629 13,229 105,590 SH   SOLE   0 0 105,590
VANGUARD REIT ETF REAL ESTATE ETF 922908553 15,724 240,950 SH   SOLE   0 0 240,950
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 7,098 31,387 SH   SOLE   0 0 31,387
VANGUARD S&P 500 VALUE ETF 500 VAL IDX FD 921932703 7,775 87,391 SH   SOLE   0 0 87,391
VANGUARD S&P MID-CAP 400 ETF MIDCP 400 IDX 921932885 1,562 17,010 SH   SOLE   0 0 17,010
VANGUARD SHORT TERM BOND SHORT TRM BOND 921937827 3,555 43,437 SH   SOLE   0 0 43,437
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND SHRT TRM CORP BD 92206C409 5,170 65,919 SH   SOLE   0 0 65,919
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF STRM INFPROIDX 922020805 3,916 80,354 SH   SOLE   0 0 80,354
VANGUARD SMALL CAP ETF SMALL CP ETF 922908751 1,450 13,376 SH   SOLE   0 0 13,376
VANGUARD SMALL-CAP VALUE INDEX FUND SM CP VAL ETF 922908611 5,629 67,667 SH   SOLE   0 0 67,667
VANGUARD TAX-EXEMPT BOND ETF TAX EXEMPT BD 922907746 4,619 88,907 SH   SOLE   0 0 88,907
VANGUARD TOTAL BOND MARKET INDEX FUND TOTAL BND MRKT 921937835 18,361 214,500 SH   SOLE   0 0 214,500
VANGUARD TOTAL INTERNATIONAL BOND ETF INTL BD IDX ETF 92203J407 23,196 413,326 SH   SOLE   0 0 413,326
VANGUARD TOTAL INTERNATIONAL STOCK ETF VG TL INTL STK F 921909768 16,885 418,350 SH   SOLE   0 0 418,350
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 1,528 12,426 SH   SOLE   0 0 12,426
VANGUARD VALUE INDEX FUND VALUE ETF 922908744 3,381 39,666 SH   SOLE   0 0 39,666