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 39 911 SH   SOLE   911 0 0
BARCLAYS ETN SHILLER COM 06742A669 558 3,575 SH   SOLE   3,575 0 0
BARCLAYS SHORT TERM CORP BOND COM 78464A474 554 17,671 SH   SOLE   17,671 0 0
INVESCO BULLETSHARES 2020 CORP BD COM 46138J502 1,601 75,442 SH   SOLE   75,442 0 0
INVESCO ETF TR II FND INV GR CP COM 46138E693 1,109 40,601 SH   SOLE   40,601 0 0
INVESCO S&P 500 EQUAL WEIGHT COM 46137V357 128 1,188 SH   SOLE   1,188 0 0
INVESCO S&P 500 QUALITY COM 46137V241 30,104 778,695 SH   SOLE   778,695 0 0
ISHARE CORE S&P MID-CAP ETF COM 464287507 1,611 8,691 SH   SOLE   8,691 0 0
ISHARES CORE 1-5 YEAR USD BOND COM 46432F859 60 1,163 SH   SOLE   1,163 0 0
ISHARES CORE MSCI EAFE COM 46432F842 922 15,293 SH   SOLE   15,293 0 0
ISHARES CORE MSCI EMG MKTS COM 46434G103 9,060 171,591 SH   SOLE   171,591 0 0
ISHARES CORE S&P 500 COM 464287200 8,472 25,211 SH   SOLE   25,211 0 0
ISHARES CORE S&P TOTAL US STOCK MKT COM 464287150 19,420 257,255 SH   SOLE   257,255 0 0
ISHARES MODERATE ALLOCATION ETF COM 464289875 10 232 SH   SOLE   232 0 0
ISHARES MSCI EAFE INDEX COM 464287465 311 4,889 SH   SOLE   4,889 0 0
ISHARES MSCI EMERGING MKTS COM 464287234 35 802 SH   SOLE   802 0 0
ISHARES MSCI GROWTH COM 464288885 798 8,873 SH   SOLE   8,873 0 0
ISHARES MSCI INTL QUALITY COM 46434V456 16,708 533,280 SH   SOLE   533,280 0 0
ISHARES RUSSELL 1000 GROWTH COM 464287614 1,371 6,320 SH   SOLE   6,320 0 0
ISHARES RUSSELL 1000 VALUE COM 464287598 58 489 SH   SOLE   489 0 0
ISHARES RUSSELL 2000 COM 464287655 605 4,039 SH   SOLE   4,039 0 0
ISHARES RUSSELL 2000 GROWTH COM 464287648 13 59 SH   SOLE   59 0 0
ISHARES RUSSELL 2000 VALUE COM 464287630 75 750 SH   SOLE   750 0 0
ISHARES RUSSELL 3000 COM 464287689 100,221 512,089 SH   SOLE   512,089 0 0
ISHARES RUSSELL MID CAP GROWTH COM 464287481 130 749 SH   SOLE   749 0 0
ISHARES RUSSELL MID CAP VALUE COM 464287473 796 9,850 SH   SOLE   9,850 0 0
ISHARES S&P MID CAP 400 VALUE COM 464287705 40,089 297,265 SH   SOLE   297,265 0 0
ISHARES S&P 500 GROWTH COM 464287309 1,618 7,000 SH   SOLE   7,000 0 0
ISHARES S&P 500 VALUE COM 464287408 880 7,823 SH   SOLE   7,823 0 0
ISHARES S&P SMALL CAP 600 GROWTH COM 464287887 1,110 6,290 SH   SOLE   6,290 0 0
ISHARES S&P SMALLCAP 600 INDEX COM 464287804 24 342 SH   SOLE   342 0 0
ISHARES S&P SMALL CAP 600 VALUE COM 464287879 5,075 41,452 SH   SOLE   41,452 0 0
ISHARES SH TERM CORP BOND COM 464288646 30,349 552,712 SH   SOLE   552,712 0 0
ISHARES SHT NAT MUNI ETF COM 464288158 37 346 SH   SOLE   346 0 0
ISHARES TR BARCLAYS AGG BOND COM 464287226 4,461 37,787 SH   SOLE   37,787 0 0
ISHARES TRUST COM 464288414 99 858 SH   SOLE   858 0 0
ISHARES TR CORE MSCI INTL ETF COM 46435G326 6,364 117,948 SH   SOLE   117,948 0 0
JOHN HANCOCK MLTFCTR COM 47804J834 1,278 52,054 SH   SOLE   52,054 0 0
J HANCOCK MLTFACTOR DEV INTL COM 47804J859 36,592 1,347,273 SH   SOLE   1,347,273 0 0
J HANCOCK MLTFACTOR SM CAP COM 47804J842 1,247 51,168 SH   SOLE   51,168 0 0
JP MORGAN ULTRA-SHORT INCOME ETF COM 46641Q837 13,413 264,053 SH   SOLE   264,053 0 0
NASDAQ 100 ETF COM 46090E103 29,813 107,302 SH   SOLE   107,302 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE COM 72201R833 3,371 33,060 SH   SOLE   33,063 0 0
PIMCO INVESTMENT GRADE CORP COM 72201R817 357 3,113 SH   SOLE   3,113 0 0
RUSSELL 1000 INDEX COM 464287622 2,197 11,737 SH   SOLE   11,737 0 0
RUSSELL MID-CAP COM 464287499 1,736 30,252 SH   SOLE   30,252 0 0
SPDR TRUST UNIT SR COM 78462F103 1,438 4,295 SH   SOLE   4,295 0 0
S&P MID CAP 400 ETF COM 78467Y107 3,107 9,170 SH   SOLE   9,170 0 0
S&P MID-CAP 400 GROWTH COM 464287606 75 315 SH   SOLE   315 0 0
SCHWAB EMERGING MKTS EQUITY COM 808524706 2,164 80,874 SH   SOLE   80,874 0 0
SCHWAB INTERNATIONAL EQUITY COM 808524805 5,274 167,968 SH   SOLE   167,968 0 0
SCHWAB SHORT TERM US TREASURY COM 808524862 8 151 SH   SOLE   151 0 0
SCHWAB US AGGREGATE BOND COM 808524839 8,246 147,047 SH   SOLE   147,047 0 0
SCHWAB US BROAD MARKET COM 808524102 192,560 2,417,877 SH   SOLE   2,417,877 0 0
SCHWAB US DIVIDEND EQUITY COM 808524797 1 10 SH   SOLE   10 0 0
SCHWAB US LARGE CAP VALUE COM 808524409 65 1,240 SH   SOLE   1,240 0 0
SCHWAB US LARGE CAP ETF COM 808524201 567 7,031 SH   SOLE   7,031 0 0
SCHWAB US LARGE CAP GROWTH COM 808524300 330 2,863 SH   SOLE   2,863 0 0
SCHWAB US MID CAP COM 808524508 6 103 SH   SOLE   103 0 0
SCHWAB US REIT COM 808524847 1 15 SH   SOLE   15 0 0
SCHWAB US SMALL CAP COM 808524607 696 10,194 SH   SOLE   10,194 0 0
SPDR DOW JONES INDUSTRIALS ETF COM 78467X109 240 864 SH   SOLE   864 0 0
SPDR NUVEEN BLMBG BARCLAYS ST MUNI COM 78468R739 508 10,187 SH   SOLE   10,187 0 0
SPDR PORTFOLIO EMERGING MKTS COM 78463X509 180 4,926 SH   SOLE   4,926 0 0
SPDR PORTFOLIO DEV WLD EX-US COM 78463X889 385 13,153 SH   SOLE   13,153 0 0
SPDR S&P 600 SMALL CAP VALUE COM 78464A300 21,927 437,753 SH   SOLE   437,753 0 0
SPDR SER TR LEHMAN MUNI BD ETF COM 78468R721 1,321 25,431 SH   SOLE   25,431 0 0
SPDR PORTFOLIO TOTAL STOCK MKT COM 78464A805 10,773 263,460 SH   SOLE   263,460 0 0
VANGUARD COMMUNICATIONS ETF COM 92204A884 25,303 248,383 SH   SOLE   248,383 0 0
VANGUARD DIVIDEND APPRECIATION COM 921908844 26,810 208,382 SH   SOLE   208,382 0 0
VANGUARD FTSE DEVELOPED MKTS COM 921943858 103 2,511 SH   SOLE   2,511 0 0
VANGUARD FTSE EMERGING MKTS COM 922042858 40 931 SH   SOLE   931 0 0
VANGUARD INTL DIV APPRECIATION COM 921946810 11,285 156,715 SH   SOLE   156,715 0 0
VANGUARD MID-CAP VALUE ETF COM 922908512 12,949 127,737 SH   SOLE   127,737 0 0
VANGUARD S&P SMALL CAP 600 COM 921932778 2,593 24,413 SH   SOLE   24,413 0 0
VANGUARD SHORT TERM BOND COM 921937827 5,002 60,228 SH   SOLE   60,228 0 0
VANGUARD SMALL CAP VALUE COM 922908611 270 2,439 SH   SOLE   2,439 0 0
VANGUARD TOTAL STOCK MARKET COM 922908769 28,716 168,608 SH   SOLE   168,608 0 0
VANGUARD TOTAL WORLD COM 922042742 7 84 SH   SOLE   84 0 0