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 425 3,137 SH   SOLE   3,137 0 0
BARCLAYS SHORT TERM CORP BOND COM 78464A47A 425 13,818 SH   SOLE   13,818 0 0
DJ-UBS COMMODITY INDEX ETN COM 06738C778 198 8,896 SH   SOLE   8,896 0 0
FLEXSHARES 5 YR TARGET DUR TIPS ETF COM 33939L605 29,895 1,171,426 SH   SOLE   1,171,426 0 0
GLOBAL X GURU INDEX ETF COM 37950E341 2 61 SH   SOLE   61 0 0
INVESCO BULLETSHARES 2019 CORP BD COM 46138J304 26 1,235 SH   SOLE   1,235 0 0
INVESCO BULLETSHARES 2020 CORP BD COM 46138J502 1,758 82,688 SH   SOLE   82,688 0 0
INVESCO BULLETSHARES 2021 CORP BD COM 46138J700 286 13,486 SH   SOLE   13,486 0 0
INVESCO FDMTL INVMT GRD CORP BD COM 46138E693 778 30,125 SH   SOLE   30,125 0 0
INVESCO FTSE RAFI EMERGING MKTS COM 46138E727 1,833 84,864 SH   SOLE   84,864 0 0
INVESCO QQQ TRUST COM 46090E103 349 1,870 SH   SOLE   1,870 0 0
INVESCO S&P 500 EQUAL WEIGHT COM 46137V357 148 1,369 SH   SOLE   1,369 0 0
INVESCO S&P 500 LOW VOLATILITY COM 46138E354 16 283 SH   SOLE   283 0 0
INVESCO S&P 500 QUALITY COM 46137V241 28,400 857,517 SH   SOLE   857,517 0 0
ISHARES CORE 1-5 YEAR USD BOND COM 46432F859 50 1,001 SH   SOLE   1,001 0 0
ISHARES CORE MSCI EAFE COM 46432F842 2,105 34,278 SH   SOLE   34,278 0 0
ISHARES CORE MSCI EMG MKTS COM 46434G103 1,179 22,927 SH   SOLE   22,927 0 0
ISHARES CORE S&P 500 COM 464287200 3,864 13,110 SH   SOLE   13,110 0 0
ISHARES CORE S&P SMALL CAP COM 464287804 29 373 SH   SOLE   373 0 0
ISHARES CORE S&P TOTAL US STOCK MKT COM 464287150 8,151 122,338 SH   SOLE   122,338 0 0
ISHARES DOW JONES US COM 464287846 25 174 SH   SOLE   174 0 0
ISHARES EDGE MSCI MIN VOL USA COM 46429B697 16 257 SH   SOLE   257 0 0
ISHARES EDGE MSCI MLTFCT INTL SMCP COM 46434V266 3,199 110,462 SH   SOLE   110,462 0 0
ISHARES GLOBAL 100 COM 464287572 9 181 SH   SOLE   181 0 0
ISHARES MODERATE ALLOCATION COM 464289875 637 16,321 SH   SOLE   16,321 0 0
ISHARES MSCI EAFE INDEX COM 464287465 442 6,720 SH   SOLE   6,720 0 0
ISHARES MSCI EAFE GROWTH COM 464288885 1,125 13,931 SH   SOLE   13,931 0 0
ISHARES MSCI EAFE SMALL CAP INDEX COM 464288273 352 6,139 SH   SOLE   6,139 0 0
ISHARES MSCI EAFE VALUE COM 464288877 289 6,001 SH   SOLE   6,001 0 0
ISHARES MSCI EMERGING MKTS COM 464287234 66 1,532 SH   SOLE   1,532 0 0
ISHARES MSCI INTL QUALITY COM 46434V456 15,783 522,778 SH   SOLE   522,778 0 0
ISHARES NATIONAL MUNI BOND COM 464288414 46 405 SH   SOLE   405 0 0
ISHARES N AMERICAN NAT RESOURCES COM 464287374 51 1,660 SH   SOLE   1,660 0 0
ISHARES RUSSELL 1000 COM 464287622 1,968 12,091 SH   SOLE   12,091 0 0
ISHARES RUSSELL 1000 GROWTH COM 464287614 1,061 6,740 SH   SOLE   6,740 0 0
ISHARES RUSSELL 1000 VALUE COM 464287598 2,702 21,242 SH   SOLE   21,242 0 0
ISHARES RUSSELL 2000 COM 464287655 980 6,305 SH   SOLE   6,305 0 0
ISHARES RUSSELL 2000 GROWTH COM 464287648 19 92 SH   SOLE   92 0 0
ISHARES RUSSELL 2000 VALUE COM 464287630 344 2,857 SH   SOLE   2,857 0 0
ISHARES RUSSELL 3000 COM 464287689 100,108 580,807 SH   SOLE   580,807 0 0
ISHARES RUSSELL MID CAP COM 464287499 1,824 32,643 SH   SOLE   32,643 0 0
ISHARES RUSSELL MID CAP GROWTH COM 464287481 110 771 SH   SOLE   771 0 0
ISHARES RUSSELL MID CAP VALUE COM 464287473 429 4,817 SH   SOLE   4,817 0 0
ISHARES S&P MID CAP 400 GROWTH COM 464287606 527 2,329 SH   SOLE   2,329 0 0
ISHARES S&P MID CAP 400 VALUE COM 464287705 49,869 312,719 SH   SOLE   312,719 0 0
ISHARES S&P SMALL CAP 600 GROWTH COM 464287887 1,392 7,628 SH   SOLE   7,628 0 0
ISHARES S&P SMALL CAP 600 VALUE COM 464287879 1,093 7,355 SH   SOLE   7,355 0 0
ISHARES S&P 500 GROWTH COM 464287309 2,041 11,384 SH   SOLE   11,384 0 0
ISHARES S&P 500 VALUE COM 464287408 979 8,398 SH   SOLE   8,398 0 0
ISHARES SELECT DIVIDEND COM 464287168 32 324 SH   SOLE   324 0 0
ISHARES SHORT MATURITY MUNI BOND COM 46431W838 792 15,798 SH   SOLE   15,798 0 0
ISHARES SH TERM CORP BOND COM 464288646 27,617 516,799 SH   SOLE   516,799 0 0
ISHARES TR BARCLAYS AGG BOND COM 464287226 1,626 14,603 SH   SOLE   14,603 0 0
ISHARES US REAL ESTATE COM 464287739 132 1,515 SH   SOLE   1,515 0 0
J HANCOCK MLTFACTOR DEV INTL COM 47804J859 6,923 245,059 SH   SOLE   245,059 0 0
J HANCOCK MLTFACTOR EM MKTS COM 47804J834 952 37,163 SH   SOLE   37,163 0 0
J HANCOCK MLTFACTOR SM CAP COM 47804J842 1,819 68,986 SH   SOLE   68,986 0 0
JP MORGAN ULTRA-SHORT INCOME ETF COM 46641Q837 15,093 299,521 SH   SOLE   299,521 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE COM 72201R833 9,692 95,250 SH   SOLE   95,250 0 0
PIMCO INVESTMENT GRADE CORP COM 72201R817 251 2,339 SH   SOLE   2,339 0 0
PURE BETA BROAD COMMODITY COM 06740P114 30,574 1,100,121 SH   SOLE   1,100,121 0 0
SCHWAB EMERGING MKTS EQUITY COM 808524706 3,857 147,003 SH   SOLE   147,003 0 0
SCHWAB FUNDAMENTAL EM MKTS COM 808524730 14 487 SH   SOLE   487 0 0
SCHWAB INTERNATIONAL EQUITY COM 808524805 10,515 327,663 SH   SOLE   327,663 0 0
SCHWAB INTL SMALL CAP COM 808524888 2,269 69,509 SH   SOLE   69,509 0 0
SCHWAB SHORT TERM US TREASURY COM 808524862 87 1,709 SH   SOLE   1,709 0 0
SCHWAB US AGGREGATE BOND COM 808524839 8,663 163,448 SH   SOLE   163,448 0 0
SCHWAB US BROAD MARKET COM 808524102 198,076 2,808,396 SH   SOLE   2,808,396 0 0
SCHWAB US DIVIDEND EQUITY COM 808524797 13 236 SH   SOLE   236 0 0
SCHWAB US LARGE CAP ETF COM 808524201 2,849 40,593 SH   SOLE   40,593 0 0
SCHWAB US LARGE CAP GROWTH COM 808524300 308 3,701 SH   SOLE   3,701 0 0
SCHWAB US LARGE CAP VALUE COM 808524409 152 2,707 SH   SOLE   2,707 0 0
SCHWAB US MID CAP COM 808524508 326 5,712 SH   SOLE   5,712 0 0
SCHWAB US REIT COM 808524847 8,062 181,416 SH   SOLE   181,416 0 0
SCHWAB US SMALL CAP COM 808524607 2,961 41,418 SH   SOLE   41,418 0 0
SPDR DOW JONES INDUSTRIAL AVERAGE COM 78467X109 286 1,074 SH   SOLE   1,074 0 0
SPDR DOW JONES REIT COM 78464A607 51 515 SH   SOLE   515 0 0
SPDR NUVEEN BLMBG BARCLAYS MUNI COM 78468R721 307 6,114 SH   SOLE   6,114 0 0
SPDR NUVEEN BLMBG BARCLAYS ST MUNI COM 78468R739 106 2,165 SH   SOLE   2,165 0 0
SPDR PORTFOLIO DEV WLD EX-US COM 78463X889 1,402 47,397 SH   SOLE   47,397 0 0
SPDR PORTFOLIO EMERGING MKTS COM 78463X509 1,178 3,291 SH   SOLE   3,291 0 0
SPDR PORTFOLIO INTERM TERM CORP BD COM 78464A375 63 1,797 SH   SOLE   1,797 0 0
SPDR PORTFOLIO SH TERM CORP BD COM 78464A474 425 13,817 SH   SOLE   13,817 0 0
SPDR PORTFOLIO TOTAL STOCK MKT COM 78464A805 6,508 178,501 SH   SOLE   178,501 0 0
SPDR S&P 500 COM 78462F103 1,622 5,535 SH   SOLE   5,535 0 0
SPDR S&P 600 SMALL CAP VALUE COM 78464A300 9,172 151,156 SH   SOLE   15,156 0 0
SPDR S&P MID CAP 400 COM 78467Y107 3,916 11,043 SH   SOLE   11,043 0 0
TORTOISE NORTH AMERICAN PIPELINE COM 56167N720 10,460 437,470 SH   SOLE   437,470 0 0
VANGUARD DIVIDEND APPRECIATION COM 921908844 177 1,532 SH   SOLE   1,532 0 0
VANGUARD FTSE ALL WLD EX-US SM CAP COM 922042718 130 3,240 SH   SOLE   3,240 0 0
VANGUARD FTSE DEVELOPED MKTS COM 921943858 547 13,115 SH   SOLE   13,115 0 0
VANGUARD FTSE EMERGING MKTS COM 922042858 38 893 SH   SOLE   893 0 0
VANGUARD FTSE PACIFIC COM 922042866 102 1,549 SH   SOLE   1,549 0 0
VANGUARD GROWTH COM 922908736 1 6 SH   SOLE   6 0 0
VANGUARD INTL DIV APPRECIATION COM 921946810 11,987 176,170 SH   SOLE   176,170 0 0
VANGUARD MID CAP COM 922908629 136 816 SH   SOLE   816 0 0
VANGUARD MID CAP VALUE COM 922908512 2,434 21,859 SH   SOLE   21,859 0 0
VANGUARD REIT ETF COM 922908553 25,120 287,419 SH   SOLE   287,419 0 0
VANGUARD S&P 500 COM 922908363 33 122 SH   SOLE   122 0 0
VANGUARD S&P SMALL CAP 600 COM 921932778 7,284 56,758 SH   SOLE   56,758 0 0
VANGUARD SHORT TERM BOND COM 921937827 4,105 50,978 SH   SOLE   50,978 0 0
VANGUARD SHORT TERM GOVT BOND COM 92206C102 39 637 SH   SOLE   637 0 0
VANGUARD SMALL CAP COM 922908751 1,304 8,323 SH   SOLE   8,323 0 0
VANGUARD SMALL CAP VALUE COM 922908611 948 7,265 SH   SOLE   7,265 0 0
VANGUARD TOTAL BOND MARKET COM 921937835 1,404 16,900 SH   SOLE   16,900 0 0
VANGUARD TOTAL STOCK MARKET COM 922908769 28,620 190,686 SH   SOLE   190,686 0 0
VANGUARD VALUE COM 922908744 967 8,715 SH   SOLE   8,715 0 0
WISDOMTREE INTL SMALL CAP DIV COM 97717W760 579 8,903 SH   SOLE   8,903 0 0
WISDOMTREE SMALL CAP DIVIDEND COM 97717W604 12 448 SH   SOLE   448 0 0