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
ISHARES INC MSCI EURZONE ETF 464286608 3,868 87,755 SH   SOLE   87,755 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,638 17,825 SH   SOLE   17,825 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,941 5,170 SH   SOLE   5,170 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,359 14,334 SH   SOLE   14,334 0 0
AMAZON COM INC COM 023135106 355 109 SH   DFND   0 0 109
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 19,046 82,143 SH   SOLE   82,143 0 0
JOHNSON & JOHNSON COM 478160104 376 2,388 SH   SOLE   2,388 0 0
ISHARES TR MSCI EAFE ETF 464287465 291 3,985 SH   SOLE   3,985 0 0
MICROSOFT CORP COM 594918104 478 2,148 SH   DFND   0 0 2,148
MICROSOFT CORP COM 594918104 511 2,296 SH   SOLE   2,296 0 0
ISHARES TR EXPND TEC SC ETF 464287549 55,377 158,296 SH   SOLE   158,296 0 0
PROCTER AND GAMBLE CO COM 742718109 316 2,274 SH   SOLE   2,274 0 0
JPMORGAN CHASE & CO COM 46625H100 285 2,239 SH   SOLE   2,239 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 104,182 868,549 SH   SOLE   868,549 0 0
ISHARES TR IBOXX INV CP ETF 464287242 249 1,801 SH   SOLE   1,801 0 0
APPLE INC COM 037833100 637 4,800 SH   DFND   0 0 4,800
APPLE INC COM 037833100 1,082 8,152 SH   SOLE   8,152 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,817 14,245 SH   SOLE   14,245 0 0
ISHARES TR CORE US AGGBD ET 464287226 210 1,778 SH   SOLE   1,778 0 0
ISHARES TR SELECT DIVID ETF 464287168 929 9,656 SH   SOLE   9,656 0 0
ISHARES TR TIPS BD ETF 464287176 371 2,904 SH   SOLE   2,904 0 0
ISHARES TR MICRO-CAP ETF 464288869 313 2,641 SH   SOLE   2,641 0 0
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 555 11,941 SH   SOLE   11,941 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1,784 13,397 SH   SOLE   13,397 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 625 1,767 SH   SOLE   1,767 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 28,544 323,665 SH   SOLE   323,665 0 0
INVESCO EXCH TRADED FD TR II S&P GBL WATER 46138E267 481 10,287 SH   SOLE   10,287 0 0
INVESCO EXCHANGE TRADED FD T CLEANTECH ETF 46137V407 809 10,774 SH   SOLE   10,774 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,241 9,302 SH   SOLE   9,302 0 0
FIRST TR EXCHANGE TRADED FD DJ GLBL DIVID 33734X200 472 21,544 SH   SOLE   21,544 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 14,009 153,961 SH   SOLE   153,961 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,719 131,046 SH   SOLE   131,046 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 680 7,635 SH   SOLE   7,635 0 0
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 1,549 9,959 SH   SOLE   9,959 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 37,641 224,363 SH   SOLE   224,363 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 173,656 505,270 SH   SOLE   505,270 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 46,779 686,110 SH   SOLE   686,110 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 1,108 15,099 SH   SOLE   15,099 0 0
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 1,082 28,927 SH   SOLE   28,927 0 0
FACEBOOK INC CL A 30303M102 205 750 SH   DFND   0 0 750
ISHARES INC CORE MSCI EMKT 46434G103 3,936 63,444 SH   SOLE   63,444 0 0
ISHARES TR CORE MSCI EAFE 46432F842 430 6,228 SH   SOLE   6,228 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 5,344 124,506 SH   SOLE   124,506 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 28,438 356,011 SH   SOLE   356,011 0 0
ALPHABET INC CAP STK CL C 02079K107 203 116 SH   DFND   0 0 116
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 10,629 215,677 SH   SOLE   215,677 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 294 2,940 SH   SOLE   2,940 0 0
ETF SER SOLUTIONS CBOE VEST S&P 26922A537 1,774 37,271 SH   SOLE   37,271 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 2,430 34,635 SH   SOLE   34,635 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 269 4,538 SH   SOLE   4,538 0 0