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
AMERICAN CENTURY ETF TR US SM CAP COM 025072877 369 6,807 SH   SOLE   6,807 0 0
BARCLAYS ETN SHILLER COM 06742A669 337 2,264 SH   SOLE   2,264 0 0
BARCLAYS SHORT TERM CORP BOND COM 78464A474 616 19,998 SH   SOLE   19,998 0 0
DJ-UBS COMMODITY INDEX ETN COM 06738C778 266 11,653 SH   SOLE   11,653 0 0
FLEXSHARES 5 YR TARGET DUR TIPS ETF COM 33939L605 30,324 1,185,467 SH   SOLE   1,185,467 0 0
INVESCO BULLETSHARES 2020 CORP BD COM 46138J502 1,917 90,054 SH   SOLE   90,054 0 0
INVESCO ETF TR II FND INV GR CP COM 46138E693 1,148 43,775 SH   SOLE   43,775 0 0
INVESCO QQQ TRUST COM 46090E103 69 325 SH   SOLE   325 0 0
INVESCO RAFI EMERGING MKTS - ETF COM 46138E727 2,981 133,692 SH   SOLE   133,692 0 0
INVESCO S&P 500 EQUAL WEIGHT COM 46137V357 159 1,382 SH   SOLE   1,382 0 0
INVESCO S&P 500 QUALITY COM 46137V241 30,415 831,710 SH   SOLE   831,710 0 0
ISHARE CORE S&P MID-CAP ETF COM 464287507 2,389 11,609 SH   SOLE   11,609 0 0
ISHARES CORE 1-5 YEAR USD BOND COM 46432F859 75 1,493 SH   SOLE   1,493 0 0
ISHARES CORE MSCI EAFE COM 46432F842 181 2,782 SH   SOLE   2,782 0 0
ISHARES CORE MSCI EMG MKTS COM 46434G103 180 3,362 SH   SOLE   3,362 0 0
ISHARES CORE S&P 500 COM 464287200 4,470 13,831 SH   SOLE   13,831 0 0
ISHARES CORE S&P TOTAL US STOCK MKT COM 464287150 8,915 122,653 SH   SOLE   122,653 0 0
ISHARES CORE TOTAL USD BOND COM 46434V613 25 483 SH   SOLE   483 0 0
ISHARES DOW JONES US COM 464287846 30 284 SH   SOLE   284 0 0
ISHARES MODERATE ALLOCATION ETF COM 464289875 46 1,157 SH   SOLE   1,157 0 0
ISHARES MSCI EAFE INDEX COM 464287465 385 5,550 SH   SOLE   5,550 0 0
ISHARES MSCI EAFE SMALL CAP INDEX COM 464288273 181 2,915 SH   SOLE   2,915 0 0
ISHARES MSCI EMERGING MKTS COM 464287234 39 873 SH   SOLE   873 0 0
ISHARES MSCI GROWTH COM 464288885 768 8,890 SH   SOLE   8,890 0 0
ISHARES MSCI INTL QUALITY COM 46434V456 16,864 522,287 SH   SOLE   522,287 0 0
ISHARES RUSSELL 1000 GROWTH COM 464287614 1,122 6,382 SH   SOLE   6,382 0 0
ISHARES RUSSELL 1000 VALUE COM 464287598 109 804 SH   SOLE   804 0 0
ISHARES RUSSELL 2000 COM 464287655 683 4,123 SH   SOLE   4,123 0 0
ISHARES RUSSELL 2000 GROWTH COM 464287648 17 80 SH   SOLE   80 0 0
ISHARES RUSSELL 2000 VALUE COM 464287630 133 1,036 SH   SOLE   1,036 0 0
ISHARES RUSSELL 3000 COM 464287689 102,260 542,523 SH   SOLE   542,523 0 0
ISHARES RUSSELL MID CAP GROWTH COM 464287481 123 807 SH   SOLE   807 0 0
ISHARES RUSSELL MID CAP VALUE COM 464287473 457 4,829 SH   SOLE   4,829 0 0
ISHARES S&P MID CAP 400 VALUE COM 464287705 52,600 308,090 SH   SOLE   308,090 0 0
ISHARES S&P 500 GROWTH COM 464287309 1,369 7,073 SH   SOLE   7,073 0 0
ISHARES S&P 500 VALUE COM 464287408 1,014 7,800 SH   SOLE   7,800 0 0
ISHARES S&P SMALL CAP 600 GROWTH COM 464287887 1,230 6,367 SH   SOLE   6,367 0 0
ISHARES S&P SMALLCAP 600 INDEX COM 464287804 28 338 SH   SOLE   338 0 0
ISHARES S&P SMALL CAP 600 VALUE COM 464287879 1,216 7,567 SH   SOLE   7,567 0 0
ISHARES SH TERM CORP BOND COM 464288646 27,985 521,826 SH   SOLE   521,826 0 0
ISHARES SHT NAT MUNI ETF COM 464288158 37 350 SH   SOLE   350 0 0
ISHARES TR BARCLAYS AGG BOND COM 464287226 331 2,952 SH   SOLE   2,952 0 0
ISHARES TRUST COM 464288414 56 494 SH   SOLE   494 0 0
ISHARES US REAL ESTATE COM 464287739 56 612 SH   SOLE   612 0 0
ISHARES EDG MCSI MLTFC INTL COM 46434V266 3,322 104,820 SH   SOLE   104,820 0 0
J HANCOCK MLTFACTOR EM MKTS COM 47804J834 373 13,982 SH   SOLE   13,982 0 0
J HANCOCK MLTFACTOR DEV INTL COM 47804J859 7,272 245,689 SH   SOLE   245,689 0 0
J HANCOCK MLTFACTOR SM CAP COM 47804J842 3,913 140,663 SH   SOLE   140,663 0 0
JP MORGAN ULTRA-SHORT INCOME ETF COM 46641Q837 11,173 221,556 SH   SOLE   221,556 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE COM 72201R833 5,830 57,393 SH   SOLE   57,393 0 0
PIMCO INVESTMENT GRADE CORP COM 72201R817 992 9,023 SH   SOLE   9,023 0 0
POWERSHARES RAFI SMALL CAP COM 46137V597 14 107 SH   SOLE   107 0 0
PURE BETA BROAD COMMODITY COM 06740P114 32,316 1,109,785 SH   SOLE   1,109,785 0 0
RUSSELL 1000 INDEX COM 464287622 2,117 11,866 SH   SOLE   11,866 0 0
RUSSELL MID-CAP COM 464287499 1,871 31,387 SH   SOLE   31,387 0 0
SPDR TRUST UNIT SR COM 78462F103 1,726 5,363 SH   SOLE   5,363 0 0
S&P MID CAP 400 ETF COM 78467Y107 3,800 10,126 SH   SOLE   10,126 0 0
S&P MID-CAP 400 GROWTH COM 464287606 156 658 SH   SOLE   658 0 0
SCHWAB US TIPS COM 808524870 1,814 32,050 SH   SOLE   32,050 0 0
SCHWAB EMERGING MKTS EQUITY COM 808524706 3,205 117,111 SH   SOLE   117,111 0 0
SCHWAB FUNDAMENTAL EM MKTS COM 808524730 15 504 SH   SOLE   504 0 0
SCHWAB INTERNATIONAL EQUITY COM 808524805 9,689 288,129 SH   SOLE   288,129 0 0
SCHWAB INTL SMALL CAP COM 808524888 2,262 63,304 SH   SOLE   63,304 0 0
SCHWAB SHORT TERM US TREASURY COM 808524862 419 8,311 SH   SOLE   8,311 0 0
SCHWAB US AGGREGATE BOND COM 808524839 8,742 163,621 SH   SOLE   163,621 0 0
SCHWAB US BROAD MARKET COM 808524102 205,063 2,667,314 SH   SOLE   2,667,314 0 0
SCHWAB US DIVIDEND EQUITY COM 808524797 1 14 SH   SOLE   14 0 0
SCHWAB US LARGE CAP VALUE COM 808524409 98 1,639 SH   SOLE   1,639 0 0
SCHWAB US LARGE CAP ETF COM 808524201 609 7,941 SH   SOLE   7,941 0 0
SCHWAB US LARGE CAP GROWTH COM 808524300 331 3,564 SH   SOLE   3,564 0 0
SCHWAB US MID CAP COM 808524508 9 160 SH   SOLE   160 0 0
SCHWAB US REIT COM 808524847 7,920 172,337 SH   SOLE   172,337 0 0
SCHWAB US SMALL CAP COM 808524607 650 8,596 SH   SOLE   8,596 0 0
SPDR DOW JONES INDUSTRIALS ETF COM 78467X109 246 864 SH   SOLE   864 0 0
SPDR DOW JONES REIT COM 78464A607 42 421 SH   SOLE   421 0 0
SPDR PORTFOLIO INTERM TERM CORP BD COM 78464A375 257 7,304 SH   SOLE   7,304 0 0
SPDR NUVEEN BLMBG BARCLAYS ST MUNI COM 78468R739 112 2,295 SH   SOLE   2,295 0 0
SPDR PORTFOLIO EMERGING MKTS COM 78463X509 167 4,462 SH   SOLE   4,462 0 0
SPDR PORTFOLIO DEV WLD EX-US COM 78463X889 486 15,514 SH   SOLE   15,514 0 0
SPDR S&P 600 SMALL CAP VALUE COM 78464A300 6,975 106,154 SH   SOLE   106,154 0 0
SPDR SER TR LEHMAN MUIN BD ETF COM 78468R721 327 6,478 SH   SOLE   6,478 0 0
SPDR PORTFOLIO TOTAL STOCK MKT COM 78464A805 9,688 243,067 SH   SOLE   243,067 0 0
TORTOISE NORTH AMERICAN PIPELINE COM 56167N720 10,253 436,339 SH   SOLE   436,339 0 0
VANGUARD DIVIDEND APPRECIATION COM 921908844 141 1,138 SH   SOLE   1,138 0 0
VANGUARD FTSE ALL WLD EX-US SM CAP COM 922042718 6 60 SH   SOLE   60 0 0
VANGUARD FTSE DEVELOPED MKTS COM 921943858 476 10,818 SH   SOLE   10,818 0 0
VANGUARD FTSE EMERGING MKTS COM 922042858 40 916 SH   SOLE   916 0 0
VANGUARD INTL DIV APPRECIATION COM 921946810 12,289 170,551 SH   SOLE   170,551 0 0
VANGUARD MID CAP COM 922908629 145 816 SH   SOLE   816 0 0
VANGUARD MID CAP VALUE COM 922908512 1,697 14,241 SH   SOLE   14,241 0 0
VANGUARD FTSE PACIFIC COM 922042866 151 2,178 SH   SOLE   2,178 0 0
VANGUARD REIT ETF COM 922908553 25,871 278,818 SH   SOLE   278,818 0 0
VANGUARD S&P SMALL CAP 600 COM 921932778 7,644 54,996 SH   SOLE   54,996 0 0
VANGUARD SHORT TERM BOND COM 921937827 3,865 47,947 SH   SOLE   47,947 0 0
VANGUARD SHORT TERM GOVT BOND COM 92206C102 3 50 SH   SOLE   50 0 0
VANGUARD SMALL CAP VALUE COM 922908611 540 3,946 SH   SOLE   3,946 0 0
VANGUARD TOTAL BOND MARKET COM 921937835 20 244 SH   SOLE   244 0 0
VANGUARD TOTAL STOCK MARKET COM 922908769 28,558 174,540 SH   SOLE   174,540 0 0
WISDOMTREE INTL SMALL CAP DIV COM 97717W760 124 1,749 SH   SOLE   1,749 0 0
WISDOMTREE SMALL CAP DIVIDEND COM 97717W604 13 458 SH   SOLE   458 0 0