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 408 3,137 SH   SOLE   3,137 0 0
DJ-UBS COMMODITY INDEX ETN COM 06738C778 201 8,896 SH   SOLE   8,896 0 0
FLEXSHARES 5 YR TARGET DUR TIPS ETF COM 33939L605 28,429 1,142,905 SH   SOLE   1,142,905 0 0
GLOBAL X GURU INDEX ETF COM 37950E341 2 61 SH   SOLE   61 0 0
INVESCO BULLETSHARES 2019 CORP BD COM 46138J304 17 847 SH   SOLE   847 0 0
INVESCO BULLETSHARES 2020 CORP BD COM 46138J502 1,674 78,904 SH   SOLE   78,904 0 0
INVESCO FDMTL INVMT GRD CORP BD COM 46138E693 275 10,859 SH   SOLE   10,859 0 0
INVESCO FTSE RAFI EMERGING MKTS COM 46138E727 1,152 53,815 SH   SOLE   53,815 0 0
INVESCO QQQ TRUST COM 46090E103 263 1,464 SH   SOLE   1,464 0 0
INVESCO S&P 500 EQUAL WEIGHT COM 46137V357 142 1,363 SH   SOLE   1,363 0 0
INVESCO S&P 500 LOW VOLATILITY COM 46138E354 14 281 SH   SOLE   281 0 0
INVESCO S&P 500 QUALITY COM 46137V241 27,991 870,650 SH   SOLE   870,650 0 0
ISHARES BARCLAYS SHORT TREASURY BD COM 464288679 52 476 SH   SOLE   476 0 0
ISHARES CORE 1-5 YEAR USD BOND COM 46432F859 74 1,489 SH   SOLE   1,489 0 0
ISHARES CORE MSCI EAFE COM 46432F842 2,115 34,806 SH   SOLE   34,806 0 0
ISHARES CORE MSCI EMG MKTS COM 46434G103 161 3,131 SH   SOLE   3,131 0 0
ISHARES CORE S&P 500 COM 464287200 3,109 10,927 SH   SOLE   10,927 0 0
ISHARES CORE S&P SMALL CAP COM 464287804 28 372 SH   SOLE   372 0 0
ISHARES CORE S&P TOTAL US STOCK MKT COM 464287150 7,842 121,783 SH   SOLE   121,783 0 0
ISHARES CORE TOTAL USD BOND MKT COM 46434V613 261 5,162 SH   SOLE   5,162 0 0
ISHARES DOW JONES US COM 464287846 242 2,470 SH   SOLE   2,470 0 0
ISHARES EDGE MSCI MIN VOL USA COM 46429B697 15 256 SH   SOLE   256 0 0
ISHARES EDGE MSCI MLTFCT INTL SMCP COM 46434V266 3,157 110,301 SH   SOLE   110,301 0 0
ISHARES GLOBAL 100 COM 464287572 8 179 SH   SOLE   179 0 0
ISHARES MODERATE ALLOCATION COM 464289875 1,272 33,445 SH   SOLE   33,445 0 0
ISHARES MSCI EAFE INDEX COM 464287465 428 6,613 SH   SOLE   6,613 0 0
ISHARES MSCI EAFE SMALL CAP INDEX COM 464288273 355 6,181 SH   SOLE   6,181 0 0
ISHARES MSCI EAFE VALUE COM 464288877 285 5,834 SH   SOLE   5,834 0 0
ISHARES MSCI EMERGING MKTS COM 464287234 65,448 1,524 SH   SOLE   1,524 0 0
ISHARES MSCI INTL QUALITY COM 46434V456 14,845 508,933 SH   SOLE   508,933 0 0
ISHARES N AMERICAN NAT RESOURCES COM 464287374 55 1,773 SH   SOLE   1,773 0 0
ISHARES RUSSELL 1000 COM 464287622 1,892 12,027 SH   SOLE   12,027 0 0
ISHARES RUSSELL 1000 GROWTH COM 464287614 1,103 7,289 SH   SOLE   7,289 0 0
ISHARES RUSSELL 1000 VALUE COM 464287598 2,645 21,423 SH   SOLE   21,423 0 0
ISHARES RUSSELL 2000 COM 464287655 960 6,273 SH   SOLE   6,273 0 0
ISHARES RUSSELL 2000 GROWTH COM 464287648 20 103 SH   SOLE   103 0 0
ISHARES RUSSELL 2000 VALUE COM 464287630 341 2,851 SH   SOLE   2,851 0 0
ISHARES RUSSELL 3000 COM 464287689 105,017 629,981 SH   SOLE   629,981 0 0
ISHARES RUSSELL MID CAP COM 464287499 1,760 32,638 SH   SOLE   32,638 0 0
ISHARES RUSSELL MID CAP GROWTH COM 464287481 104 770 SH   SOLE   770 0 0
ISHARES RUSSELL MID CAP VALUE COM 464287473 416 4,793 SH   SOLE   4,793 0 0
ISHARES S&P MID CAP 400 GROWTH COM 464287606 508 2,323 SH   SOLE   2,323 0 0
ISHARES S&P MID CAP 400 VALUE COM 464287705 48,321 307,840 SH   SOLE   307,840 0 0
ISHARES S&P SMALL CAP 600 GROWTH COM 464287887 1,358 7,612 SH   SOLE   7,612 0 0
ISHARES S&P SMALL CAP 600 VALUE COM 464287879 1,114 7,554 SH   SOLE   7,554 0 0
ISHARES S&P 500 GROWTH COM 464287309 1,973 11,452 SH   SOLE   11,452 0 0
ISHARES S&P 500 VALUE COM 464287408 973 8,630 SH   SOLE   8,630 0 0
ISHARES SELECT DIVIDEND COM 464287168 242 2,470 SH   SOLE   2,470 0 0
ISHARES SH TERM CORP BOND COM 464288646 26,865 508,629 SH   SOLE   508,629 0 0
ISHARES TR BARCLAYS AGG BOND COM 464287226 1,629 14,940 SH   SOLE   14,940 0 0
J HANCOCK MLTFACTOR DEV INTL COM 47804J859 6,876 244,901 SH   SOLE   244,901 0 0
J HANCOCK MLTFACTOR EM MKTS COM 47804J834 945 37,022 SH   SOLE   37,022 0 0
J HANCOCK MLTFACTOR SM CAP COM 47804J842 794 30,666 SH   SOLE   30,666 0 0
JP MORGAN ULTRA-SHORT INCOME ETF COM 46641Q837 19,456 386,810 SH   SOLE   386,810 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE COM 72201R833 10,890 107,236 SH   SOLE   107,236 0 0
PIMCO INVESTMENT GRADE CORP COM 72201R817 3,724 35,903 SH   SOLE   35,903 0 0
PURE BETA BROAD COMMODITY COM 06740P114 30,444 1,085,970 SH   SOLE   1,085,970 0 0
SCHWAB EMERGING MKTS EQUITY COM 808524706 4,706 180,942 SH   SOLE   180,942 0 0
SCHWAB FUNDAMENTAL EM MKTS COM 808524730 13 487 SH   SOLE   487 0 0
SCHWAB INTERNATIONAL EQUITY COM 808524805 9,939 317,463 SH   SOLE   317,463 0 0
SCHWAB INTL SMALL CAP COM 808524888 2,142 66,428 SH   SOLE   66,428 0 0
SCHWAB SHORT TERM US TREASURY COM 808524862 499 9,950 SH   SOLE   9,950 0 0
SCHWAB US AGGREGATE BOND COM 808524839 8,237 158,781 SH   SOLE   158,781 0 0
SCHWAB US BROAD MARKET COM 808524102 187,629 2,757,229 SH   SOLE   2,757,229 0 0
SCHWAB US DIVIDEND EQUITY COM 808524797 12 236 SH   SOLE   236 0 0
SCHWAB US LARGE CAP ETF COM 808524201 2,744 40,593 SH   SOLE   40,593 0 0
SCHWAB US LARGE CAP GROWTH COM 808524300 295 3,716 SH   SOLE   3,716 0 0
SCHWAB US LARGE CAP VALUE COM 808524409 147 2,695 SH   SOLE   2,695 0 0
SCHWAB US MID CAP COM 808524508 316 5,712 SH   SOLE   5,712 0 0
SCHWAB US REIT COM 808524847 8,325 187,393 SH   SOLE   187,393 0 0
SCHWAB US SMALL CAP COM 808524607 3,949 42,180 SH   SOLE   42,180 0 0
SPDR DOW JONES INDUSTRIAL AVERAGE COM 78467X109 278 1,073 SH   SOLE   1,073 0 0
SPDR DOW JONES REIT COM 78464A607 50 515 SH   SOLE   515 0 0
SPDR NUVEEN BLMBG BARCLAYS MUNI COM 78468R721 320 6,502 SH   SOLE   6,502 0 0
SPDR NUVEEN BLMBG BARCLAYS ST MUNI COM 78468R739 115 2,385 SH   SOLE   2,385 0 0
SPDR PORTFOLIO DEV WLD EX-US COM 78463X889 1,302 44,580 SH   SOLE   44,580 0 0
SPDR PORTFOLIO EMERGING MKTS COM 78463X509 90 2,533 SH   SOLE   2,533 0 0
SPDR PORTFOLIO INTERM TERM CORP BD COM 78464A375 634 18,568 SH   SOLE   18,568 0 0
SPDR PORTFOLIO SH TERM CORP BD COM 78464A474 160 5,244 SH   SOLE   5,244 0 0
SPDR PORTFOLIO TOTAL STOCK MKT COM 78464A805 4,647 132,106 SH   SOLE   132,106 0 0
SPDR S&P 500 COM 78462F103 1,565 5,540 SH   SOLE   5,540 0 0
SPDR S&P 600 SMALL CAP VALUE COM 78464A300 9,781 162,208 SH   SOLE   162,208 0 0
SPDR S&P MID CAP 400 COM 78467Y107 3,831 11,092 SH   SOLE   11,092 0 0
VANGUARD DIVIDEND APPRECIATION COM 921908844 166 1,519 SH   SOLE   1,519 0 0
VANGUARD FTSE ALL WLD EX-US SM CAP COM 922042718 6 57 SH   SOLE   57 0 0
VANGUARD FTSE DEVELOPED MKTS COM 921943858 534 13,089 SH   SOLE   13,089 0 0
VANGUARD FTSE EMERGING MKTS COM 922042858 37 887 SH   SOLE   887 0 0
VANGUARD FTSE EUROPE COM 922042874 18 343 SH   SOLE   343 0 0
VANGUARD FTSE PACIFIC COM 922042866 73 1,114 SH   SOLE   1,114 0 0
VANGUARD GROWTH COM 922908736 1 6 SH   SOLE   6 0 0
VANGUARD INTL DIV APPRECIATION COM 921946810 11,670 180,657 SH   SOLE   180,657 0 0
VANGUARD MID CAP COM 922908629 131 816 SH   SOLE   816 0 0
VANGUARD MID CAP VALUE COM 922908512 2,361 21,892 SH   SOLE   21,892 0 0
VANGUARD REIT ETF COM 922908553 25,027 287,969 SH   SOLE   287,969 0 0
VANGUARD S&P 500 COM 922908363 31 122 SH   SOLE   122 0 0
VANGUARD S&P SMALL CAP 600 COM 921932778 7,114 55,837 SH   SOLE   55,837 0 0
VANGUARD SHORT TERM BOND COM 921937827 3,796 47,706 SH   SOLE   47,706 0 0
VANGUARD SHORT TERM GOVT BOND COM 92206C102 142 2,361 SH   SOLE   2,361 0 0
VANGUARD SMALL CAP COM 922908751 1,279 8,375 SH   SOLE   8,375 0 0
VANGUARD SMALL CAP VALUE COM 922908611 933 7,249 SH   SOLE   7,249 0 0
VANGUARD TOTAL BOND MARKET COM 921937835 1,389 17,112 SH   SOLE   17,112 0 0
VANGUARD TOTAL STOCK MARKET COM 922908769 28,283 195,451 SH   SOLE   195,451 0 0
VANGUARD VALUE COM 922908744 931 8,656 SH   SOLE   8,656 0 0
WISDOMTREE INTL SMALL CAP DIV COM 97717W760 563 8,555 SH   SOLE   8,555 0 0
WISDOMTREE SMALL CAP DIVIDEND COM 97717W604 12 446 SH   SOLE   446 0 0