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
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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 232 29,269 SH   SOLE   28,772 0 497
ISHARES TR NATIONAL MUN ETF 464288414 237 2,100 SH   SOLE   0 0 2,100
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 2,831 65,979 SH   SOLE   24,821 0 41,158
VANGUARD INDEX FDS LARGE CAP ETF 922908637 14,874 125,590 SH   SOLE   80,634 0 44,956
WISDOMTREE TR EMER MKT HIGH FD 97717W315 857 26,568 SH   SOLE   17,532 0 9,036
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 9,485 284,496 SH   SOLE   158,754 0 125,742
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 280 9,034 SH   SOLE   2,499 0 6,535
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 1,761 33,288 SH   SOLE   17,343 0 15,945
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 2,305 53,257 SH   SOLE   35,298 0 17,959
NEXTERA ENERGY INC COM 65339F101 241 1,000 SH   SOLE   0 0 1,000
AT&T INC COM 00206R102 535 18,357 SH   SOLE   7,950 0 10,407
APPLE INC COM 037833100 250 982 SH   SOLE   0 0 982
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 10,491 405,520 SH   SOLE   181,401 0 224,119
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 2,590 125,969 SH   SOLE   47,742 0 78,227
WISDOMTREE TR US LARGECAP DIVD 97717W307 2,989 36,926 SH   SOLE   23,331 0 13,595
WISDOMTREE TR US SMALLCAP FUND 97717W562 416 18,613 SH   SOLE   18,613 0 0
PRICE T ROWE GROUP INC COM 74144T108 703 7,200 SH   SOLE   7,200 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 4,969 236,265 SH   SOLE   81,917 0 154,348
EXXON MOBIL CORP COM 30231G102 223 5,883 SH   SOLE   3,368 0 2,515
JPMORGAN CHASE & CO COM 46625H100 352 3,905 SH   SOLE   781 0 3,124
PROCTER & GAMBLE CO COM 742718109 845 7,683 SH   SOLE   7,391 0 292
FLEXSHARES TR MORNSTAR UPSTR 33939L407 23,293 1,033,861 SH   SOLE   547,240 0 486,621
ISHARES TR NORTH AMERN NAT 464287374 489 29,415 SH   SOLE   12,832 0 16,583
CME GROUP INC COM 12572Q105 456 2,636 SH   SOLE   1 0 2,635
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 16,262 232,811 SH   SOLE   104,800 0 128,011
WISDOMTREE TR US SMALLCAP DIVD 97717W604 576 31,943 SH   SOLE   0 0 31,943
ISHARES TR IBOXX INV CP ETF 464287242 375 3,035 SH   SOLE   3,035 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 15,730 136,261 SH   SOLE   74,801 0 61,460
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 7,985 93,555 SH   SOLE   38,418 0 55,137
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 768 32,707 SH   SOLE   21,657 0 11,050
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 7,383 235,639 SH   SOLE   106,192 0 129,447
3M CO COM 88579Y101 231 1,689 SH   SOLE   1,600 0 89
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 2,223 40,300 SH   SOLE   26,778 0 13,522
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,232 15,739 SH   SOLE   13,044 0 2,695
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 13,050 267,852 SH   SOLE   99,793 0 168,059
ISHARES TR RUSSELL 2000 ETF 464287655 8,227 71,874 SH   SOLE   54,484 0 17,390
WISDOMTREE TR INTL EQUITY FD 97717W703 3,366 85,238 SH   SOLE   65,654 0 19,584
ISHARES TR CORE S&P MCP ETF 464287507 2,229 15,496 SH   SOLE   15,496 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,633 30,543 SH   SOLE   19,618 0 10,925
SPDR SER TR DJ REIT ETF 78464A607 792 10,963 SH   SOLE   7,051 0 3,912
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,703 169,985 SH   SOLE   97,006 0 72,979
ISHARES TR CORE S&P500 ETF 464287200 11,743 45,443 SH   SOLE   25,691 0 19,752
JOHNSON & JOHNSON COM 478160104 844 6,436 SH   SOLE   5,270 0 1,166
INVESCO EXCHANGE-TRADED FD T FNDMNTL HY CRP 46138E719 10,791 650,829 SH   SOLE   266,107 0 384,722
AIR PRODS & CHEMS INC COM 009158106 399 2,000 SH   SOLE   2,000 0 0