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
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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 200 29,269 SH   SOLE   28,772 0 497
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 7,955 205,075 SH   SOLE   107,735 0 97,340
ISHARES TR NATIONAL MUN ETF 464288414 222 1,925 SH   SOLE   0 0 1,925
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 5,415 116,055 SH   SOLE   37,754 0 78,301
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 2,961 58,829 SH   SOLE   38,329 0 20,500
VANGUARD INDEX FDS LARGE CAP ETF 922908637 18,879 132,024 SH   SOLE   82,995 0 49,029
WISDOMTREE TR EMER MKT HIGH FD 97717W315 1,024 28,335 SH   SOLE   7,476 0 20,859
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 430 11,643 SH   SOLE   304 0 11,339
NEXTERA ENERGY INC COM 65339F101 240 1,000 SH   SOLE   0 0 1,000
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 13,657 430,534 SH   SOLE   204,011 0 226,523
AT&T INC COM 00206R102 511 16,907 SH   SOLE   6,200 0 10,707
APPLE INC COM 037833100 338 926 SH   SOLE   0 0 926
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 3,863 165,019 SH   SOLE   85,804 0 79,215
PROCTER AND GAMBLE CO COM 742718109 919 7,683 SH   SOLE   7,391 0 292
WISDOMTREE TR US LARGECAP DIVD 97717W307 5,800 62,442 SH   SOLE   32,270 0 30,172
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,691 41,183 SH   SOLE   11,589 0 29,594
PRICE T ROWE GROUP INC COM 74144T108 889 7,200 SH   SOLE   7,200 0 0
WISDOMTREE TR US SMALLCAP FUND 97717W562 528 18,613 SH   SOLE   18,613 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 4,978 209,709 SH   SOLE   87,223 0 122,486
EXXON MOBIL CORP COM 30231G102 263 5,871 SH   SOLE   3,356 0 2,515
JPMORGAN CHASE & CO COM 46625H100 305 3,247 SH   SOLE   781 0 2,466
FLEXSHARES TR MORNSTAR UPSTR 33939L407 25,673 928,827 SH   SOLE   505,509 0 423,318
ISHARES TR NORTH AMERN NAT 464287374 324 14,965 SH   SOLE   3,666 0 11,299
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 15,067 191,867 SH   SOLE   91,037 0 100,830
WISDOMTREE TR US SMALLCAP DIVD 97717W604 223 10,506 SH   SOLE   0 0 10,506
ISHARES TR IBOXX INV CP ETF 464287242 408 3,035 SH   SOLE   3,035 0 0
CME GROUP INC COM 12572Q105 398 2,451 SH   SOLE   1 0 2,450
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 1,029 37,355 SH   SOLE   22,038 0 15,317
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 6,798 184,520 SH   SOLE   85,095 0 99,425
VANGUARD INDEX FDS SMALL CP ETF 922908751 15,903 109,136 SH   SOLE   64,540 0 44,596
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 8,859 100,287 SH   SOLE   40,169 0 60,118
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 12,032 664,751 SH   SOLE   268,991 0 395,760
3M CO COM 88579Y101 263 1,689 SH   SOLE   1,600 0 89
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,614 16,702 SH   SOLE   14,030 0 2,672
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 14,748 293,955 SH   SOLE   112,055 0 181,900
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 2,828 44,433 SH   SOLE   29,450 0 14,983
MICROSOFT CORP COM 594918104 247 1,212 SH   SOLE   0 0 1,212
ISHARES TR CORE S&P MCP ETF 464287507 2,503 14,079 SH   SOLE   14,079 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 9,400 65,654 SH   SOLE   51,167 0 14,487
WISDOMTREE TR INTL EQUITY FD 97717W703 8,219 185,658 SH   SOLE   97,851 0 87,807
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,721 169,673 SH   SOLE   96,464 0 73,209
ISHARES TR MSCI EAFE ETF 464287465 4,792 78,717 SH   SOLE   51,149 0 27,568
SPDR SER TR DJ REIT ETF 78464A607 850 10,895 SH   SOLE   7,051 0 3,844
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,924 72,475 SH   SOLE   33,220 0 39,255
ISHARES TR CORE S&P500 ETF 464287200 12,428 40,131 SH   SOLE   23,398 0 16,733
JOHNSON & JOHNSON COM 478160104 919 6,536 SH   SOLE   5,270 0 1,266
AIR PRODS & CHEMS INC COM 009158106 483 2,000 SH   SOLE   2,000 0 0