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
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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
GENERAL ELECTRIC CO COM 369604103 292 29,269 SH   SOLE   28,772 0 497
CME GROUP INC COM CL A 12572Q105 296 1,801 SH   SOLE   1 0 1,800
SPDR SERIES TRUST DJ REIT ETF 78464A607 1,089 11,007 SH   SOLE   7,051 0 3,956
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 416 7,764 SH   SOLE   6,988 0 776
VANGUARD INDEX FDS LARGE CAP ETF 922908637 16,814 129,534 SH   SOLE   83,713 0 45,821
WISDOMTREE TR EMER MKT HIGH FD 97717W315 1,461 33,327 SH   SOLE   19,026 0 14,301
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 3,472 75,097 SH   SOLE   30,000 0 45,097
AT&T INC COM 00206R102 569 18,157 SH   SOLE   7,950 0 10,207
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 661 17,749 SH   SOLE   8,718 0 9,031
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 222 8,020 SH   SOLE   3,592 0 4,428
PROCTER AND GAMBLE CO COM 742718109 948 9,108 SH   SOLE   8,806 0 302
WISDOMTREE TR US LARGECAP DIVD 97717W307 1,948 20,676 SH   SOLE   19,174 0 1,502
PRICE T ROWE GROUP INC COM 74144T108 721 7,200 SH   SOLE   7,200 0 0
WISDOMTREE TR US SMALLCAP FUND 97717W562 673 18,645 SH   SOLE   18,645 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 328 11,909 SH   SOLE   6,121 0 5,788
JPMORGAN CHASE & CO COM 46625H100 515 5,084 SH   SOLE   999 0 4,085
EXXON MOBIL CORP COM 30231G102 475 5,883 SH   SOLE   3,368 0 2,515
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 10,287 367,395 SH   SOLE   167,534 0 199,861
FLEXSHARES TR MORNSTAR UPSTR 33939L407 14,944 456,296 SH   SOLE   269,878 0 186,418
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 28,560 328,621 SH   SOLE   156,231 0 172,390
WISDOMTREE TR US SMALLCAP DIVD 97717W604 885 32,120 SH   SOLE   0 0 32,120
ISHARES TR NORTH AMERN NAT 464287374 2,848 90,746 SH   SOLE   66,215 0 24,531
ISHARES TR IBOXX INV CP ETF 464287242 361 3,035 SH   SOLE   3,035 0 0
KENNAMETAL INC COM 489170100 221 6,000 SH   SOLE   6,000 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 14,152 92,620 SH   SOLE   63,367 0 29,253
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 680 17,925 SH   SOLE   9,234 0 8,691
SMUCKER J M CO COM NEW 832696405 207 1,778 SH   SOLE   1,778 0 0
DOWDUPONT INC COM 26078J100 624 11,700 SH   SOLE   11,700 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 544 8,259 SH   SOLE   7,630 0 629
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 569 5,464 SH   SOLE   5,209 0 255
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 14,833 795,353 SH   SOLE   369,607 0 425,746
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 6,378 131,014 SH   SOLE   50,369 0 80,645
3M CO COM 88579Y101 374 1,801 SH   SOLE   1,600 0 201
ISHARES TR CORE S&P MCP ETF 464287507 2,226 11,754 SH   SOLE   11,754 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 11,133 72,724 SH   SOLE   54,484 0 18,241
WISDOMTREE TR INTL EQUITY FD 97717W703 4,771 94,239 SH   SOLE   67,349 0 26,890
ISHARES TR MSCI EMG MKT ETF 464287234 353 8,236 SH   SOLE   0 0 8,236
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 8,190 200,382 SH   SOLE   132,997 0 67,385
PHILLIPS 66 COM 718546104 225 2,368 SH   SOLE   2,368 0 0
ISHARES TR 20 YR TR BD ETF 464287432 10,344 81,813 SH   SOLE   36,636 0 45,177
ISHARES TR MSCI EAFE ETF 464287465 2,042 31,485 SH   SOLE   16,171 0 15,314
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,269 100,457 SH   SOLE   71,351 0 29,106
ISHARES TR CORE S&P500 ETF 464287200 10,332 36,310 SH   SOLE   24,367 0 11,943
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 5,080 62,581 SH   SOLE   25,545 0 37,036
CONOCOPHILLIPS COM 20825C104 264 3,959 SH   SOLE   3,959 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 10,397 85,214 SH   SOLE   38,202 0 47,012
AIR PRODS & CHEMS INC COM 009158106 382 2,000 SH   SOLE   2,000 0 0
JOHNSON & JOHNSON COM 478160104 1,052 7,525 SH   SOLE   6,350 0 1,175
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 3,308 182,584 SH   SOLE   82,299 0 100,285
ISHARES TR GL CLEAN ENE ETF 464288224 93 10,556 SH   SOLE   0 0 10,556
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 3,328 76,776 SH   SOLE   30,164 0 46,612
FLEXSHARES TR MORNSTAR UPSTR 33939L407 10,623 345,803 SH   SOLE   204,113 0 141,690
PHILLIPS 66 COM 718546104 220 2,368 SH   SOLE   2,368 0 0
WORKDAY INC CL A 98138H101 286 1,750 SH   SOLE   0 0 1,750
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,876 80,629 SH   SOLE   31,195 0 49,434
ABBVIE INC COM 00287Y109 604 7,126 SH   SOLE   0 0 7,126
CDW CORP COM 12514G108 674 8,501 SH   SOLE   0 0 8,501
CLEARWAY ENERGY INC CL A 18539C105 187 13,395 SH   SOLE   13,395 0 0
CLEARWAY ENERGY INC CL C 18539C204 627 43,821 SH   SOLE   43,821 0 0
DOWDUPONT INC COM 26078J100 792 14,304 SH   SOLE   11,700 0 2,604