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 327 29,269 SH   SOLE   28,772 0 497
SPDR SERIES TRUST DJ REIT ETF 78464A607 1,118 10,963 SH   SOLE   7,051 0 3,912
VANGUARD INDEX FDS LARGE CAP ETF 922908637 17,787 120,315 SH   SOLE   77,622 0 42,693
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 1,306 24,389 SH   SOLE   12,754 0 11,635
WISDOMTREE TR EMER MKT HIGH FD 97717W315 1,454 31,770 SH   SOLE   17,937 0 13,833
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 3,564 77,237 SH   SOLE   30,036 0 47,201
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 2,257 38,519 SH   SOLE   27,417 0 11,102
NEXTERA ENERGY INC COM 65339F101 242 1,000 SH   SOLE   0 0 1,000
APPLE INC COM 037833100 293 999 SH   SOLE   0 0 999
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 7,750 192,602 SH   SOLE   71,349 0 121,253
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 2,477 83,025 SH   SOLE   35,301 0 47,724
AT&T INC COM 00206R102 717 18,357 SH   SOLE   7,950 0 10,407
WISDOMTREE TR US LARGECAP DIVD 97717W307 2,186 20,634 SH   SOLE   19,174 0 1,460
PRICE T ROWE GROUP INC COM 74144T108 877 7,200 SH   SOLE   7,200 0 0
WISDOMTREE TR US SMALLCAP FUND 97717W562 716 18,613 SH   SOLE   18,613 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 3,870 133,818 SH   SOLE   51,151 0 82,667
JPMORGAN CHASE & CO COM 46625H100 544 3,905 SH   SOLE   781 0 3,124
EXXON MOBIL CORP COM 30231G102 411 5,883 SH   SOLE   3,368 0 2,515
DOW INC COM 260557103 213 3,900 SH   SOLE   3,900 0 0
PROCTER & GAMBLE CO COM 742718109 961 7,693 SH   SOLE   7,391 0 302
FLEXSHARES TR MORNSTAR UPSTR 33939L407 20,692 617,126 SH   SOLE   319,675 0 297,451
CME GROUP INC COM 12572Q105 603 3,006 SH   SOLE   1 0 3,005
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 21,539 232,132 SH   SOLE   104,513 0 127,618
WISDOMTREE TR US SMALLCAP DIVD 97717W604 1,004 35,005 SH   SOLE   0 0 35,005
ISHARES TR NORTH AMERN NAT 464287374 2,164 71,887 SH   SOLE   50,878 0 21,009
ISHARES TR IBOXX INV CP ETF 464287242 388 3,035 SH   SOLE   3,035 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 7,990 187,209 SH   SOLE   78,303 0 108,906
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 916 27,562 SH   SOLE   19,034 0 8,528
VANGUARD INDEX FDS SMALL CP ETF 922908751 19,729 119,109 SH   SOLE   70,561 0 48,548
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 2,088 30,014 SH   SOLE   20,086 0 9,928
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,416 12,745 SH   SOLE   10,922 0 1,823
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 13,884 720,852 SH   SOLE   324,616 0 396,236
3M CO COM 88579Y101 298 1,689 SH   SOLE   1,600 0 89
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 15,673 318,042 SH   SOLE   133,575 0 184,467
WISDOMTREE TR INTL EQUITY FD 97717W703 4,974 93,011 SH   SOLE   65,321 0 27,690
ISHARES TR RUSSELL 2000 ETF 464287655 12,002 72,447 SH   SOLE   54,484 0 17,963
ISHARES TR MSCI EMG MKT ETF 464287234 370 8,236 SH   SOLE   0 0 8,236
ISHARES TR CORE S&P MCP ETF 464287507 2,665 12,947 SH   SOLE   12,947 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 11,354 257,698 SH   SOLE   154,476 0 103,222
PHILLIPS 66 COM 718546104 264 2,368 SH   SOLE   2,368 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,684 150,296 SH   SOLE   91,767 0 58,529
ISHARES TR MSCI EAFE ETF 464287465 2,134 30,737 SH   SOLE   15,821 0 14,916
DUPONT DE NEMOURS INC COM 26614N102 250 3,900 SH   SOLE   3,900 0 0
ISHARES TR CORE S&P500 ETF 464287200 15,666 48,464 SH   SOLE   27,867 0 20,597
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 10,402 124,044 SH   SOLE   58,325 0 65,719
CONOCOPHILLIPS COM 20825C104 257 3,959 SH   SOLE   3,959 0 0
JOHNSON & JOHNSON COM 478160104 940 6,445 SH   SOLE   5,270 0 1,175
AIR PRODS & CHEMS INC COM 009158106 470 2,000 SH   SOLE   2,000 0 0