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
AVANTIS SMALL-CAP VALUE ETF COM 025072877 2,901 36,375 SH   SOLE   36,375 0 0
BARCLAYS ETN SHILLER COM 06742A669 2,718 119,424 SH   SOLE   119,424 0 0
DFA T A US CORE EQUITY E PORTFOLIO COM 25434V708 355 12,253 SH   SOLE   12,253 0 0
DFA TAX MANAGED US TARGET VALUE COM 25434V609 3,801 79,979 SH   SOLE   79,979 0 0
INVESCO ETF TR II FND INV GR CP COM 46138E693 201 7,654 SH   SOLE   7,654 0 0
INVESCO S&P 500 QUALITY COM 46137V241 43,383 815,325 SH   SOLE   815,325 0 0
ISHARE CORE S&P MID-CAP ETF COM 464287507 2,007 7,090 SH   SOLE   7,090 0 0
ISHARES CORE 1-5 YEAR USD BOND ETF COM 46432F859 46 907 SH   SOLE   907 0 0
ISHARES CORE MSCI EAFE - ETF COM 46432F842 1,094 14,663 SH   SOLE   14,663 0 0
ISHARES CORE MSCI EMG MKTS - ETF COM 46434G103 12,980 216,838 SH   SOLE   216,838 0 0
ISHARES CORE S&P 500 COM 464287200 10,306 21,607 SH   SOLE   21,607 0 0
ISHARES CORE S&P TOTAL US STOCK MKT COM 464287150 87,539 818,277 SH   SOLE   818,277 0 0
ISHARES IBONDS 12-2024 TERM CORP COM 46434VBG4 12,037 464,228 SH   SOLE   464,228 0 0
ISHARES MODERATE ALLOCATION ETF COM 464289875 72 1,592 SH   SOLE   1,592 0 0
ISHARES MSCI EAFE INDEX COM 464287465 284 3,613 SH   SOLE   3,613 0 0
ISHARES MSCI EMERGING MKTS COM 464287234 74 1,506 SH   SOLE   1,506 0 0
ISHARES MSCI GROWTH COM 464288885 891 8,079 SH   SOLE   8,079 0 0
ISHARES MSCI INTL QUALITY COM 46434V456 25,421 645,528 SH   SOLE   645,528 0 0
ISHARES RUSSELL 1000 GROWTH COM 464287614 1,124 3,677 SH   SOLE   3,677 0 0
ISHARES RUSSELL 1000 VALUE COM 464287598 243 1,449 SH   SOLE   1,449 0 0
ISHARES RUSSELL 2000 COM 464287655 720 3,236 SH   SOLE   3,236 0 0
ISHARES RUSSELL 2000 GROWTH COM 464287648 13 44 SH   SOLE   44 0 0
ISHARES RUSSELL 2000 VALUE COM 464287630 75 450 SH   SOLE   450 0 0
ISHARES RUSSELL 3000 COM 464287689 124,750 449,549 SH   SOLE   449,549 0 0
ISHARES RUSSELL MID CAP GROWTH COM 464287481 155 1,343 SH   SOLE   1,343 0 0
ISHARES RUSSELL MID CAP VALUE COM 464287473 1,105 9,030 SH   SOLE   9,030 0 0
ISHARES S&P MID CAP 400 VALUE COM 464287705 60,540 546,984 SH   SOLE   546,984 0 0
ISHARES S&P 500 GROWTH COM 464287309 2,035 24,323 SH   SOLE   24,323 0 0
ISHARES S&P 500 VALUE COM 464287408 1,178 7,522 SH   SOLE   7,522 0 0
ISHARES S&P SMALL CAP 600 GROWTH COM 464287887 1,439 10,370 SH   SOLE   10,370 0 0
ISHARES S&P SMALLCAP 600 INDEX COM 464287804 75 658 SH   SOLE   658 0 0
ISHARES S&P SMALL CAP 600 VALUE COM 464287879 9,321 89,207 SH   SOLE   89,207 0 0
ISHARES SH TERM CORP BOND COM 464288646 34,352 637,557 SH   SOLE   637,557 0 0
ISHARES TR BARCLAYS AGG BOND COM 464287226 8,213 71,993 SH   SOLE   71,993 0 0
ISHARES TRUST COM 464288414 54 466 SH   SOLE   466 0 0
ISHARES TR CORE MSCI INTL ETF COM 46435G326 12,634 187,002 SH   SOLE   187,002 0 0
JOHN HANCOCK MLTFCTR COM 47804J834 1,547 53,260 SH   SOLE   53,260 0 0
J HANCOCK MLTFACTOR DEV INTL COM 47804J859 44,238 1,313,075 SH   SOLE   1,313,075 0 0
J HANCOCK MLTFACTOR SM CAP COM 47804J842 1,687 46,528 SH   SOLE   46,528 0 0
JP MORGAN ULTRA-SHORT INCOME ETF COM 46641Q837 24,681 488,931 SH   SOLE   488,931 0 0
NASDAQ 100 ETF COM 46090E103 43,911 110,371 SH   SOLE   110,371 0 0
PIMCO INVESTMENT GRADE CORP COM 72201R817 8,903 78,896 SH   SOLE   78,896 0 0
RUSSELL 1000 INDEX COM 464287622 3,162 11,959 SH   SOLE   11,959 0 0
RUSSELL MID-CAP COM 464287499 2,418 29,128 SH   SOLE   29,128 0 0
SPDR TRUST UNIT SR COM 78462F103 1,975 4,158 SH   SOLE   4,158 0 0
S&P MID CAP 400 ETF COM 78467Y107 4,486 8,666 SH   SOLE   8,666 0 0
S&P MID-CAP 400 GROWTH COM 464287606 52 613 SH   SOLE   613 0 0
SCHWAB EMERGING MKTS EQUITY COM 808524706 1,863 62,910 SH   SOLE   62,910 0 0
SCHWAB INTERNATIONAL EQUITY COM 808524805 4,925 126,707 SH   SOLE   126,707 0 0
SCHWAB US AGGREGATE BOND COM 808524839 6,225 115,488 SH   SOLE   115,488 0 0
SCHWAB US BROAD MARKET COM 808524102 226,205 2,001,636 SH   SOLE   2,001,636 0 0
SCHWAB US LARGE CAP VALUE COM 808524409 68 932 SH   SOLE   932 0 0
SCHWAB US LARGE CAP ETF COM 808524201 718 6,311 SH   SOLE   6,311 0 0
SCHWAB US LARGE CAP GROWTH COM 808524300 469 2,863 SH   SOLE   2,863 0 0
SCHWAB US MID CAP COM 808524508 5 65 SH   SOLE   65 0 0
SCHWAB US SMALL CAP COM 808524607 811 7,918 SH   SOLE   7,918 0 0
SPDR DOW JONES INDUSTRIALS ETF COM 78467X109 287 789 SH   SOLE   789 0 0
SPDR NUVEEN BARCLAYS ST MUNI COM 78468R739 761 15,471 SH   SOLE   15,471 0 0
SPDR PORTFOLIO EMERGING MKTS COM 78463X509 137 3,291 SH   SOLE   3,291 0 0
SPDR PORTFOLIO WORLD EX-US COM 78463X889 284 7,789 SH   SOLE   7,789 0 0
SPDR S&P 600 SMALL CAP VALUE COM 78464A300 30,414 359,000 SH   SOLE   359,000 0 0
SPDR SER TR LEHMAN MUNI BD ETF COM 78468R721 2,275 43,980 SH   SOLE   43,980 0 0
SPDR PORTFOLIO TOTAL STOCK MKT COM 78464A805 11,696 200,100 SH   SOLE   200,100 0 0
VANGUARD COMMUNICATIONS ETF COM 92204A884 37,319 275,295 SH   SOLE   275,295 0 0
VANGUARD DIVIDEND APPRECIATION COM 921908844 41,440 241,280 SH   SOLE   241,280 0 0
VANGUARD FTSE DEVELOPED MKTS COM 921943858 132 2,584 SH   SOLE   3,584 0 0
VANGUARD FTSE EMERGING MKTS COM 922042858 287 5,809 SH   SOLE   5,809 0 0
VANGUARD INTL DIV COM 921946810 13,711 160,511 SH   SOLE   160,511 0 0
VANGUARD MID-CAP VALUE ETF COM 922908512 17,132 113,961 SH   SOLE   113,961 0 0
VANGUARD S&P 500 ETF COM 922908363 12 28 SH   SOLE   28 0 0
VANGUARD S&P 600 SMALL CAP VALUE COM 921932778 2,678 14,835 SH   SOLE   14,835 0 0
VANGUARD SHORT TERM BD INDEX COM 921937827 2,532 31,330 SH   SOLE   31,330 0 0
VANGUARD SMALL CAP VALUE COM 922908611 258 1,445 SH   SOLE   1,445 0 0
VANGUARD TOTAL STOCK MARKET COM 922908769 34,185 141,586 SH   SOLE   141,586 0 0