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 416 3,025 SH   SOLE   3,025 0 0
BARCLAYS SHORT TERM CORP BOND COM 78464A47A 608 19,703 SH   SOLE   19,703 0 0
DJ-UBS COMMODITY INDEX ETN COM 06738C778 255 11,704 SH   SOLE   11,704 0 0
FLEXSHARES 5 YR TARGET DUR TIPS ETF COM 33939L605 30,545 1,195,487 SH   SOLE   1,195,487 0 0
GLOBAL X GURU INDEX ETF COM 37950E341 2 62 SH   SOLE   62 0 0
INVESCO BULLETSHARES 2019 CORP BD COM 46138J304 10 468 SH   SOLE   468 0 0
INVESCO BULLETSHARES 2020 CORP BD COM 46138J502 1,992 93,531 SH   SOLE   93,531 0 0
INVESCO FDMTL INVMT GRD CORP BD COM 46138E693 1,126 43,010 SH   SOLE   43,010 0 0
INVESCO FTSE RAFI EMERGING MKTS COM 46138E727 2,358 117,440 SH   SOLE   117,440 0 0
INVESCO FTSE RAFI US 1500 SMALL-MID COM 46137V597 276 2,178 SH   SOLE   2,178 0 0
INVESCO QQQ TRUST COM 46090E103 623 3,301 SH   SOLE   3,301 0 0
INVESCO S&P 500 EQUAL WEIGHT COM 46137V357 149 1,376 SH   SOLE   1,376 0 0
INVESCO S&P 500 LOW VOLATILITY COM 46138E354 17 285 SH   SOLE   285 0 0
INVESCO S&P 500 QUALITY COM 46137V241 28,665 854,636 SH   SOLE   854,636 0 0
ISHARES CORE 1-5 YEAR USD BOND COM 46432F859 72 1,426 SH   SOLE   1,426 0 0
ISHARES CORE MSCI EAFE COM 46432F842 2,160 35,373 SH   SOLE   35,373 0 0
ISHARES CORE MSCI EMG MKTS COM 46434G103 169 3,442 SH   SOLE   3,442 0 0
ISHARES CORE S&P 500 COM 464287200 4,627 15,501 SH   SOLE   15,501 0 0
ISHARES CORE S&P MID-CAP COM 464287507 2,925 15,138 SH   SOLE   15,138 0 0
ISHARES CORE S&P SMALL CAP COM 464287804 27 348 SH   SOLE   348 0 0
ISHARES CORE S&P TOTAL US STOCK MKT COM 464287150 8,112 120,952 SH   SOLE   120,952 0 0
ISHARES CORE TOTAL BOND COM 46434V613 26 495 SH   SOLE   495 0 0
ISHARES DOW JONES US COM 464287846 26 174 SH   SOLE   174 0 0
ISHARES EDGE MSCI MIN VOL USA COM 46429B697 17 258 SH   SOLE   258 0 0
ISHARES EDGE MSCI MLTFCT INTL SMCP COM 46434V266 3,157 110,463 SH   SOLE   110,463 0 0
ISHARES GLOBAL 100 COM 464287572 9 182 SH   SOLE   182 0 0
ISHARES MODERATE ALLOCATION COM 464289875 1,239 31,533 SH   SOLE   31,533 0 0
ISHARES MSCI EAFE INDEX COM 464287465 466 7,152 SH   SOLE   7,152 0 0
ISHARES MSCI EAFE GROWTH COM 464288885 1,122 13,932 SH   SOLE   13,932 0 0
ISHARES MSCI EAFE SMALL CAP INDEX COM 464288273 368 6,423 SH   SOLE   6,423 0 0
ISHARES MSCI EAFE VALUE COM 464288877 284 6,002 SH   SOLE   6,002 0 0
ISHARES MSCI EMERGING MKTS COM 464287234 87 2,120 SH   SOLE   2,120 0 0
ISHARES MSCI INTL QUALITY COM 46434V456 15,662 527,707 SH   SOLE   527,707 0 0
ISHARES NATIONAL MUNI BOND COM 464288414 55 480 SH   SOLE   480 0 0
ISHARES N AMERICAN NAT RESOURCES COM 464287374 48 1,661 SH   SOLE   1,661 0 0
ISHARES RUSSELL 1000 COM 464287622 1,985 12,064 SH   SOLE   12,064 0 0
ISHARES RUSSELL 1000 GROWTH COM 464287614 1,079 6,757 SH   SOLE   6,757 0 0
ISHARES RUSSELL 1000 VALUE COM 464287598 2,681 20,902 SH   SOLE   20,902 0 0
ISHARES RUSSELL 2000 COM 464287655 875 5,780 SH   SOLE   5,780 0 0
ISHARES RUSSELL 2000 GROWTH COM 464287648 18 93 SH   SOLE   93 0 0
ISHARES RUSSELL 2000 VALUE COM 464287630 315 2,635 SH   SOLE   2,635 0 0
ISHARES RUSSELL 3000 COM 464287689 98,784 568,474 SH   SOLE   568,474 0 0
ISHARES RUSSELL MID CAP COM 464287499 1,824 32,593 SH   SOLE   32,593 0 0
ISHARES RUSSELL MID CAP GROWTH COM 464287481 105 744 SH   SOLE   744 0 0
ISHARES RUSSELL MID CAP VALUE COM 464287473 427 4,763 SH   SOLE   4,763 0 0
ISHARES S&P MID CAP 400 GROWTH COM 464287606 481 2,150 SH   SOLE   2,150 0 0
ISHARES S&P MID CAP 400 VALUE COM 464287705 50,456 315,549 SH   SOLE   315,549 0 0
ISHARES S&P SMALL CAP 600 GROWTH COM 464287887 1,361 7,631 SH   SOLE   7,631 0 0
ISHARES S&P SMALL CAP 600 VALUE COM 464287879 1,149 7,649 SH   SOLE   7,649 0 0
ISHARES S&P 500 GROWTH COM 464287309 1,919 10,662 SH   SOLE   10,662 0 0
ISHARES S&P 500 VALUE COM 464287408 965 8,100 SH   SOLE   8,100 0 0
ISHARES SELECT DIVIDEND COM 464287168 29 284 SH   SOLE   284 0 0
ISHARES SHORT MATURITY MUNI BOND COM 46431W838 735 14,660 SH   SOLE   14,660 0 0
ISHARES SH TERM CORP BOND COM 464288646 28,044 522,532 SH   SOLE   522,532 0 0
ISHARES TR BARCLAYS AGG BOND COM 464287226 1,745 15,418 SH   SOLE   15,418 0 0
ISHARES US REAL ESTATE COM 464287739 138 1,478 SH   SOLE   1,478 0 0
J HANCOCK MLTFACTOR DEV INTL COM 47804J859 6,861 246,540 SH   SOLE   246,540 0 0
J HANCOCK MLTFACTOR EM MKTS COM 47804J834 910 37,255 SH   SOLE   37,255 0 0
J HANCOCK MLTFACTOR SM CAP COM 47804J842 3,673 140,447 SH   SOLE   140,447 0 0
JP MORGAN ULTRA-SHORT INCOME ETF COM 46641Q837 15,944 316,196 SH   SOLE   316,196 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE COM 72201R833 8,898 87,466 SH   SOLE   87,466 0 0
PIMCO INVESTMENT GRADE CORP COM 72201R817 764 6,962 SH   SOLE   6,962 0 0
PURE BETA BROAD COMMODITY COM 06740P114 30,481 1,120,102 SH   SOLE   1,120,102 0 0
SCHWAB EMERGING MKTS EQUITY COM 808524706 4,746 188,853 SH   SOLE   188,853 0 0
SCHWAB FUNDAMENTAL EM MKTS COM 808524730 13 490 SH   SOLE   490 0 0
SCHWAB INTERNATIONAL EQUITY COM 808524805 10,599 332,667 SH   SOLE   332,667 0 0
SCHWAB INTL SMALL CAP COM 808524888 2,253 70,838 SH   SOLE   70,838 0 0
SCHWAB SHORT TERM US TREASURY COM 808524862 202 3,984 SH   SOLE   3,984 0 0
SCHWAB US AGGREGATE BOND COM 808524839 9,125 169,445 SH   SOLE   169,445 0 0
SCHWAB US BROAD MARKET COM 808524102 198,765 2,798,721 SH   SOLE   2,798,721 0 0
SCHWAB US DIVIDEND EQUITY COM 808524797 13 236 SH   SOLE   236 0 0
SCHWAB US LARGE CAP ETF COM 808524201 2,857 40,284 SH   SOLE   40,284 0 0
SCHWAB US LARGE CAP GROWTH COM 808524300 311 3,704 SH   SOLE   3,704 0 0
SCHWAB US LARGE CAP VALUE COM 808524409 156 2,755 SH   SOLE   2,755 0 0
SCHWAB US MID CAP COM 808524508 325 5,754 SH   SOLE   5,754 0 0
SCHWAB US REIT COM 808524847 8,313 176,238 SH   SOLE   176,238 0 0
SCHWAB US SMALL CAP COM 808524607 2,901 41,608 SH   SOLE   41,608 0 0
SCHWAB US TIPS COM 808524870 272 4,794 SH   SOLE   4,794 0 0
SPDR DOW JONES INDUSTRIAL AVERAGE COM 78467X109 289 1,075 SH   SOLE   1,075 0 0
SPDR DOW JONES REIT COM 78464A607 44 421 SH   SOLE   421 0 0
SPDR NUVEEN BLMBG BARCLAYS MUNI COM 78468R721 326 6,422 SH   SOLE   6,422 0 0
SPDR NUVEEN BLMBG BARCLAYS ST MUNI COM 78468R739 114 2,327 SH   SOLE   2,327 0 0
SPDR PORTFOLIO DEV WLD EX-US COM 78463X889 1,490 50,754 SH   SOLE   50,754 0 0
SPDR PORTFOLIO EMERGING MKTS COM 78463X509 140 4,096 SH   SOLE   4,096 0 0
SPDR PORTFOLIO INTERM TERM CORP BD COM 78464A375 201 5,711 SH   SOLE   5,711 0 0
SPDR PORTFOLIO SH TERM CORP BD COM 78464A474 608 19,703 SH   SOLE   19,703 0 0
SPDR PORTFOLIO TOTAL STOCK MKT COM 78464A805 8,387 228,292 SH   SOLE   228,292 0 0
SPDR S&P 500 COM 78462F103 1,646 5,546 SH   SOLE   5,546 0 0
SPDR S&P 600 SMALL CAP VALUE COM 78464A300 7,613 124,280 SH   SOLE   124,280 0 0
SPDR S&P MID CAP 400 COM 78467Y107 3,893 11,043 SH   SOLE   11,043 0 0
TORTOISE NORTH AMERICAN PIPELINE COM 56167N720 10,384 443,793 SH   SOLE   443,793 0 0
VANGUARD DIVIDEND APPRECIATION COM 921908844 184 1,539 SH   SOLE   1,539 0 0
VANGUARD FTSE ALL WLD EX-US SM CAP COM 922042718 6 58 SH   SOLE   58 0 0
VANGUARD FTSE DEVELOPED MKTS COM 921943858 564 13,723 SH   SOLE   13,723 0 0
VANGUARD FTSE EMERGING MKTS COM 922042858 36 905 SH   SOLE   905 0 0
VANGUARD FTSE PACIFIC COM 922042866 108 1,637 SH   SOLE   1,637 0 0
VANGUARD GROWTH COM 922908736 1 7 SH   SOLE   7 0 0
VANGUARD INTL DIV APPRECIATION COM 921946810 11,671 175,326 SH   SOLE   175,326 0 0
VANGUARD MID CAP COM 922908629 137 816 SH   SOLE   816 0 0
VANGUARD MID CAP VALUE COM 922908512 2,486 21,996 SH   SOLE   21,996 0 0
VANGUARD REIT ETF COM 922908553 26,756 286,929 SH   SOLE   286,929 0 0
VANGUARD S&P 500 COM 922908363 33 123 SH   SOLE   123 0 0
VANGUARD S&P SMALL CAP 600 COM 921932778 7,231 55,779 SH   SOLE   55,779 0 0
VANGUARD SHORT TERM BOND COM 921937827 4,286 53,044 SH   SOLE   53,044 0 0
VANGUARD SHORT TERM GOVT BOND COM 92206C102 80 1,318 SH   SOLE   1,318 0 0
VANGUARD SMALL CAP COM 922908751 1,281 8,325 SH   SOLE   8,325 0 0
VANGUARD SMALL CAP VALUE COM 922908611 945 7,331 SH   SOLE   7,331 0 0
VANGUARD TOTAL BOND MARKET COM 921937835 1,427 16,907 SH   SOLE   16,907 0 0
VANGUARD TOTAL STOCK MARKET COM 922908769 27,285 180,695 SH   SOLE   180,695 0 0
VANGUARD VALUE COM 922908744 985 8,820 SH   SOLE   8,820 0 0
WISDOMTREE INTL SMALL CAP DIV COM 97717W760 586 9,230 SH   SOLE   9,230 0 0
WISDOMTREE SMALL CAP DIVIDEND COM 97717W604 12 454 SH   SOLE   454 0 0