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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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
ISHARES GOLD TRUST ETF ISHARES 464285105 478 38,808 SH   SOLE   0 0 38,808
ISHARES TR S&P 1500 INDEX FD CORE S&P TTL STK 464287150 1,129 17,329 SH   SOLE   0 0 17,329
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 8,184 72,647 SH   SOLE   0 0 72,647
ISHARES S&P 500 INDEX CORE S&P500 ETF 464287200 50,196 174,384 SH   SOLE   0 0 174,384
ISHARES AGGREGATE BOND ETF CORE US AGGBD ET 464287226 36,934 340,999 SH   SOLE   0 0 340,999
ISHARES NORTH AMERICAN NATURAL RESOURCES NORTH AMERN NAT 464287374 524 16,478 SH   SOLE   0 0 16,478
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 37,270 326,355 SH   SOLE   0 0 326,355
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 9,069 138,054 SH   SOLE   0 0 138,054
ISHARES RUSSELL MID-CAP ETF RUS MID CAP ETF 464287499 2,982 54,643 SH   SOLE   0 0 54,643
ISHARES CORE S&P MID CAP ETF CORE S&P MCP ETF 464287507 49,549 258,109 SH   SOLE   0 0 258,109
ISHARES RUSSELL 1000 VALUE ETF RUS 1000 VAL ETF 464287598 1,878 15,038 SH   SOLE   0 0 15,038
ISHARES RUSSELL 1000 ETF RUS 1000 ETF 464287622 2,467 15,502 SH   SOLE   0 0 15,502
ISHARES CORE S&P U.S. VALUE ETF CORE S&P US VLU 464287663 868 15,627 SH   SOLE   0 0 15,627
ISHARES S&P MIDCAP 400 VALUE ETF S&P MC 400VL ETF 464287705 2,126 13,321 SH   SOLE   0 0 13,321
ISHARES TRS&P SHORT TERM NATL MUNICIPAL BD FD SHRT NAT MUN ETF 464288158 2,858 27,007 SH   SOLE   0 0 27,007
ISHARES S&P SMALL-CAP FUND CORE S&P SCP ETF 464287804 4,353 55,738 SH   SOLE   0 0 55,738
ISHARES S&P SMALL-CAP 600 VALUE ETF SP SMCP600VL ETF 464287879 19,919 132,872 SH   SOLE   0 0 132,872
ISHARES AMT-FREE MUNI BOND ETF NATIONAL MUN ETF 464288414 3,008 27,159 SH   SOLE   0 0 27,159
LINCOLN NATIONAL CORP IND COM 534187109 1,047 16,910 SH   SOLE   0 0 16,910
OLD NATL BANCORP IND COM COM 680033107 450 26,652 SH   SOLE   0 0 26,652
SCHWAB STRATEGIC TR US LRG CAP ETF US LRG CAP ETF 808524201 983 14,378 SH   SOLE   0 0 14,378
SCHWAB U.S. LARGE-CAP VALUE ETF US LCAP VA ETF 808524409 589 10,635 SH   SOLE   0 0 10,635
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508 571 10,175 SH   SOLE   0 0 10,175
SCHWAB US AGGREGATE BOND ETF US AGGREGATE B 808524839 1,166 22,624 SH   SOLE   0 0 22,624
VANGUARD TOTAL INTERNATIONAL STOCK ETF VG TL INTL STK F 921909768 7,888 150,044 SH   SOLE   0 0 150,044
VANGUARD MEGA CAP VALUE ETF MEGA CAP VAL ETF 921910840 5,503 69,745 SH   SOLE   0 0 69,745
VANGUARD MEGA CAP ETF MEGA CAP INDEX 921910873 3,971 40,198 SH   SOLE   0 0 40,198
VANGUARD S&P 500 VALUE ETF 500 VAL IDX FD 921932703 3,579 32,482 SH   SOLE   0 0 32,482
VANGUARD S&P MID-CAP 400 ETF MIDCP 400 IDX 921932885 2,077 16,020 SH   SOLE   0 0 16,020
VANGUARD LONG-TERM BOND INDEX FUND LONG TERM BOND 921937793 1,298 14,272 SH   SOLE   0 0 14,272
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND INTERMED TERM 921937819 5,952 71,382 SH   SOLE   0 0 71,382
VANGUARD SHORT TERM BOND SHORT TRM BOND 921937827 4,708 59,364 SH   SOLE   0 0 59,364
VANGUARD TOTAL BOND MARKET INDEX FUND TOTAL BND MRKT 921937835 16,573 205,472 SH   SOLE   0 0 205,472
VANGUARD FTSE DEVELOPED MARKETS ETF FTSE DEV MKT ETF 921943858 1,546 37,338 SH   SOLE   0 0 37,338
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF STRM INFPROIDX 922020805 4,133 84,921 SH   SOLE   0 0 84,921
VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX GLB EX US ETF 922042676 611 10,186 SH   SOLE   0 0 10,186
VANGUARD FTSE ALL-WORLD EX US INDEX FUND ALLWRLD EX US 922042775 14,550 286,197 SH   SOLE   0 0 286,197
VANGUARD FTSE EMERGING MARKETS ETF FTSE EMR MKT ETF 922042858 1,361 31,556 SH   SOLE   0 0 31,556
VANGUARD EUROPEAN FTSE EUROPE ETF 922042874 648 11,927 SH   SOLE   0 0 11,927
VANGUARD TAX-EXEMPT BOND ETF TAX EXEMPT BD 922907746 4,166 80,091 SH   SOLE   0 0 80,091
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 4,609 17,558 SH   SOLE   0 0 17,558
VANGUARD REIT ETF REAL ESTATE ETF 922908553 24,225 278,900 SH   SOLE   0 0 278,900
VANGUARD SMALL-CAP VALUE INDEX FUND SM CP VAL ETF 922908611 4,952 37,912 SH   SOLE   0 0 37,912
VANGUARD MID-CAP INDEX FUND MID CAP ETF 922908629 7,485 46,030 SH   SOLE   0 0 46,030
VANGUARD LARGE-CAP INDEX FUND LARGE CAP ETF 922908637 2,420 18,432 SH   SOLE   0 0 18,432
VANGUARD EXTENDED MARKET ETF EXTEND MKT ETF 922908652 1,641 14,060 SH   SOLE   0 0 14,060
VANGUARD VALUE INDEX FUND VALUE ETF 922908744 4,009 36,818 SH   SOLE   0 0 36,818
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 1,982 13,538 SH   SOLE   0 0 13,538
WILLIAMS COS INC DEL COM COM 969457100 328 11,198 SH   SOLE   0 0 11,198
ISHARES IBONDS SEP 2019 AMT-FREE MUNI BOND ETF IBONDS SEP19 ETF 46429B564 2,815 110,819 SH   SOLE   0 0 110,819
ISHARES 0-5 YEAR TIPS BOND ETF 0-5 YR TIPS ETF 46429B747 1,018 10,216 SH   SOLE   0 0 10,216
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF CORE MSCI TOTAL 46432F834 35,361 600,968 SH   SOLE   0 0 600,968
ISHARES CORE MSCI EAFE CORE MSCI EAFE 46432F842 2,095 34,051 SH   SOLE   0 0 34,051
ISHARES CORE 1-5 YEAR USD BOND ETF CORE 1 5 YR USD 46432F859 6,622 133,245 SH   SOLE   0 0 133,245
ISHARES EDGE MSCI MULTIFACTOR EMERGING MARKETS ETF MLT FCTR EMG MKT 46434G889 2,097 48,411 SH   SOLE   0 0 48,411
ISHARES EDGE MSCI MULTIFACTOR INTL ETF MULTIFACTOR INTL 46434V274 7,254 271,276 SH   SOLE   0 0 271,276
ISHARES EDGE MSCI MULTIFACTOR USA ETF MULTIFACTOR USA 46434V282 13,693 435,261 SH   SOLE   0 0 435,261
ISHARES EDGE MSCI MULTIFACTOR USA SMALL-CAP ETF MULTIFACTOR USA 46434V290 2,225 54,771 SH   SOLE   0 0 54,771
ISHARES IBONDS SEP 2020 TERM MUNI BOND ETF IBONDS SEP2020 46434V571 2,360 92,711 SH   SOLE   0 0 92,711
ISHARES CORE TOTAL USD BOND MARKET ETF CORE TOTAL USD 46434V613 2,044 40,644 SH   SOLE   0 0 40,644
ISHARES IBONDS DEC 2021 TERM MUNI BOND ETF GLOBAL REIT ETF 46434V647 1,851 72,314 SH   SOLE   0 0 72,314
ISHARES CORE INTERNATIONAL AGGREGATE BOND FUND CORE INTL AGGR 46435G672 10,133 190,535 SH   SOLE   0 0 190,535
ISHARES IBONDS DEC 2022 TERM MUNI BOND ETF IBONDS DEC2022 46435G755 386 14,902 SH   SOLE   0 0 14,902
ISHARES EDGE U.S. FIXED INCOME BALANCED RISK ETF EDGE US FIXD INM 46435U796 1,141 11,536 SH   SOLE   0 0 11,536
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF BROAD USD HIGH 46435U853 1,633 33,727 SH   SOLE   0 0 33,727
JP MORGAN CHASE & CO COM 46625H100 1,401 13,390 SH   SOLE   0 0 13,390
SPDR S&P GLOBAL NATURAL RESOURCES ETF GLB NAT RESRCE 78463X541 2,311 49,087 SH   SOLE   0 0 49,087
SPDR S&P WORLD EX-US ETF PORTFOLIO DEVLPD 78463X889 897 30,279 SH   SOLE   0 0 30,279
SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF PORTFOLIO INTRMD 78464A375 933 27,451 SH   SOLE   0 0 27,451
SPDR HIGH YIELD BOND ETF BLOOMBERG BRCLYS 78464A417 4,477 124,959 SH   SOLE   0 0 124,959
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF PORTFOLIO SHORT 78464A474 438 14,375 SH   SOLE   0 0 14,375
SPDR PORTFOLIO S&P 500 VALUE ETF PRTFLO S&P500 VL 78464A508 1,052 34,303 SH   SOLE   0 0 34,303
SPDR DOW JONES REIT ETF DJ REIT ETF 78464A607 4,886 49,280 SH   SOLE   0 0 49,280
SPDR BARCLAYS CAP TIPS CAPITAL TIPS ETF BLOMBRG BRC TIPS 78464A656 2,396 43,287 SH   SOLE   0 0 43,287
SPDR SER TR S&P DIVID ETF S&P DIVID ETF 78464A763 1,368 13,641 SH   SOLE   0 0 13,641
VANGUARD TOTAL INTERNATIONAL BOND ETF INTL BD IDX ETF 92203J407 24,167 434,660 SH   SOLE   0 0 434,660
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND SHRT TRM CORP BD 92206C409 4,298 54,163 SH   SOLE   0 0 54,163
VANGUARD INTERMEDIATE TERM CORP BOND FD ETF INT-TERM CORP 92206C870 14,344 166,283 SH   SOLE   0 0 166,283