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
BARCLAYS ETN SHILLER COM 06742A669 9,573 85,169 SH   SOLE   85,169 0 0
DJ-UBS COMMODITY INDEX COM 06738C778 190 8,992 SH   SOLE   8,992 0 0
FLEXSHARES IBOXX 5YR TARGET DUR TIPS COM 33939L605 27,451 1,138,132 SH   SOLE   1,138,132 0 0
GLOBAL X GURU INDEX COM 37950E341 1 61 SH   SOLE   61 0 0
INVESCO FDMTL INVTMT GRD CORP BD COM 46138E693 265 10,764 SH   SOLE   10,764 0 0
INVESCO EFTSE RAFI EMERGING MARKETS COM 46138E727 466 23,614 SH   SOLE   23,614 0 0
INVESCO S&P 500 LOW VOLATILITY COM 46138E354 13 280 SH   SOLE   280 0 0
INVESCO S&P 500 QUALITY COM 46137V241 24,120 867,340 SH   SOLE   867,340 0 0
ISHARES 1-3 YR CREDIT BOND COM 464288646 24,710 238,284 SH   SOLE   238,284 0 0
ISHARES BARCLAYS SHORT TREASURY BOND COM 464288679 60 545 SH   SOLE   545 0 0
ISHARES CORE S&P 500 COM 464287200 2,072 8,237 SH   SOLE   8,237 0 0
ISHARES CORE S&P MID-CAP COM 464287507 2,615 15,748 SH   SOLE   15,748 0 0
ISHARES CORE S&P TOTAL US STOCK MKT COM 464287150 6,800 119,815 SH   SOLE   119,815 0 0
ISHARES CORE TOTAL USD BOND MARKET COM 46434V613 212 4,315 SH   SOLE   4,315 0 0
ISHARES DOW JONES US COM 464287846 21 172 SH   SOLE   172 0 0
ISHARES EDGE MSCI MIN VOL USA COM 46429B697 13 255 SH   SOLE   255 0 0
ISHARES EDGE MSCI MLTFCT INTL SMCP COM 46434V266 2,883 111,464 SH   SOLE   111,464 0 0
ISHARES GLOBAL 100 COM 464287572 7 179 SH   SOLE   179 0 0
ISHARES MODERATE ALLOCATION COM 464289875 239 6,725 SH   SOLE   6,725 0 0
ISHARES MSCI EAFE INDEX COM 464287465 2,190 37,257 SH   SOLE   37,257 0 0
ISHARES MSCI EMERGING MKTS COM 464287234 64 1,640 SH   SOLE   1,640 0 0
ISHARES MSCI INTL QUALITY COM 46434V456 12,589 487,792 SH   SOLE   487,792 0 0
ISHARES RUSSELL 1000 COM 464287622 1,684 12,147 SH   SOLE   12,147 0 0
ISHARES RUSSELL 2000 COM 464287655 829 6,194 SH   SOLE   6,194 0 0
ISHARES RUSSELL 2000 VALUE COM 464287630 305 2,837 SH   SOLE   2,837 0 0
ISHARES RUSSELL 3000 COM 464287689 93,589 637,006 SH   SOLE   637,006 0 0
ISHARES RUSSELL MID-CAP VALUE COM 464287473 364 4,771 SH   SOLE   4,771 0 0
ISHARES S&P MID-CAP 400 VALUE COM 464287705 42,117 304,449 SH   SOLE   304,449 0 0
ISHARES S&P SM-CAP 600 VALUE COM 464287879 1,029 7,809 SH   SOLE   7,809 0 0
ISHARES S&P 500 GROWTH COM 464287309 1,724 11,448 SH   SOLE   11,448 0 0
ISHARES TR BARCLAYS AGG BD COM 464287226 2,233 20,975 SH   SOLE   20,975 0 0
ISHARES US FINANCIALS COM 464287788 2 21 SH   SOLE   21 0 0
J HANCOCK MULTIFACTOR DEV INTL COM 47804J859 6,170 241,788 SH   SOLE   241,788 0 0
J HANCOCK MULTIFACTOR EM MKTS COM 47804J834 1,100 47,407 SH   SOLE   47,407 0 0
JP MORGAN ULTRA SHORT INCOME ETF COM 46641Q837 16,767 334,473 SH   SOLE   334,473 0 0
PIMCO ENHANCED SHORT MAT ACTIVE COM 72201R833 11,990 118,776 SH   SOLE   118,776 0 0
PIMCO INVESTMENT GRADE CORPOR COM 72201R817 2,974 30,034 SH   SOLE   30,034 0 0
PURE BETA BROAD COMMODITY COM 06740P114 27,581 1,070,243 SH   SOLE   1,070,243 0 0
SCHWAB EMERGING MARKETS EQUITY COM 808524706 3,403 144,629 SH   SOLE   144,629 0 0
SCHWAB INTERNATIONAL EQUITY COM 808524805 6,438 227,114 SH   SOLE   227,114 0 0
SCHWAB INTERNATIONAL SM CAP COM 808524888 1,350 46,408 SH   SOLE   46,408 0 0
SCHWAB SHORT-TERM US TREASURY COM 808524862 208 4,177 SH   SOLE   4,177 0 0
SCHWAB US BROAD MARKET COM 808524102 158,833 2,650,324 SH   SOLE   2,650,324 0 0
SCHWAB US DIVIDEND EQUITY COM 808524797 11 236 SH   SOLE   236 0 0
SCHWAB US LARGE CAP ETF COM 808524201 2,418 40,504 SH   SOLE   40,504 0 0
SCHWAB US LARGE CAP GROWTH COM 808524300 255 3,707 SH   SOLE   3,707 0 0
SCHWAB US LARGE CAP VALUE COM 808524409 136 2,770 SH   SOLE   2,770 0 0
SCHWAB US MID CAP COM 808524508 275 5,745 SH   SOLE   5,745 0 0
SCHWAB US REIT COM 808524847 7,356 191,024 SH   SOLE   191,024 0 0
SCHWAB US SMALL CAP COM 808524607 2,614 43,084 SH   SOLE   43,084 0 0
SPDR PORTFOLIO DEV WLD EX-US COM 78463X889 1,155 43,697 SH   SOLE   43,697 0 0
SPDR PORTFOLIO EMERGING MARKETS COM 78463X509 77 2,388 SH   SOLE   2,388 0 0
SPDR PORTFOLIO INTERM TERM CORP BD COM 78464A375 450 13,621 SH   SOLE   13,621 0 0
SPDR PORTFOLIO SHORT TERM CORP BD COM 78464A474 161 5,349 SH   SOLE   5,349 0 0
SPDR PORTFOLIO TOTAL STOCK MARKET COM 78464A805 3,345 108,241 SH   SOLE   108,241 0 0
SPDR S&P 500 COM 78462F103 1,370 5,482 SH   SOLE   5,482 0 0
SPDR S&P 600 SMALL CAP VALUE COM 78464A300 6,252 116,173 SH   SOLE   116,173 0 0
VANECK VECTORS ISRAEL COM 92189F635 1 24 SH   SOLE   24 0 0
VANGUARD DIVIDEND APPRECIATION COM 921908844 140 1,431 SH   SOLE   1,431 0 0
VANGUARD FTSE ALL-WLD EX-US SM CAP COM 922042718 5 57 SH   SOLE   57 0 0
VANGUARD FTSE DEVELOPED MARKETS COM 921943858 540 14,564 SH   SOLE   14,564 0 0
VANGUARD FTSE EUROPE COM 922042874 16 341 SH   SOLE   341 0 0
VANGUARD FTSE PACIFIC COM 922042866 9,270 152,903 SH   SOLE   152,903 0 0
VANGUARD GROWTH COM 922908736 1 6 SH   SOLE   6 0 0
VANGUARD INTL DIV APPRECIATION COM 921946810 10,860 188,550 SH   SOLE   188,550 0 0
VANGUARD REIT ETF COM 922908553 21,749 291,668 SH   SOLE   291,668 0 0
VANGUARD S&P SMALL CAP 600 COM 921932778 6,330 55,717 SH   SOLE   55,717 0 0
VANGUARD SHORT TERM GOVT BOND COM 92206C102 225 3,772 SH   SOLE   3,772 0 0
VANGUARD SMALL CAP VALUE COM 922908611 826 7,249 SH   SOLE   7,249 0 0
VANGUARD TOTAL BOND MARKET COM 921937835 1,343 16,956 SH   SOLE   16,956 0 0
VANGUARD TOTAL STOCK MARKET COM 922908769 25,258 197,905 SH   SOLE   197,905 0 0
VANGUARD VALUE COM 922908744 847 8,656 SH   SOLE   8,656 0 0
WISDOMTREE INTL SMALL CAP DIV COM 97717W760 508 8,426 SH   SOLE   8,426 0 0