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
ESSEX PPTY TR COM 297178105 388 1,634 SH   SOLE   0 0 1,634
ISHARES TR COHEN STEER REIT 464287564 2,209 41,000 SH   SOLE   0 0 41,000
MICROSOFT CORP COM 594918104 890 4,000 SH   SOLE   0 0 4,000
OLD DOMINION FREIGHT LINE IN COM 679580100 1,186 6,075 SH   SOLE   0 0 6,075
INVESCO QQQ TR UNIT SER 1 46090E103 4,549 14,499 SH   SOLE   0 0 14,499
ISHARES INC CORE MSCI EMKT 46434G103 7,816 125,980 SH   SOLE   125,980 0 0
ISHARES INC MSCI CDA ETF 464286509 1,742 56,500 SH   SOLE   52,499 0 4,001
ISHARES INC MSCI JPN ETF NEW 46434G822 929 13,750 SH   SOLE   0 0 13,750
ISHARES INC MSCI STH KOR ETF 464286772 232 2,699 SH   SOLE   0 0 2,699
ISHARES TR MRNGSTR LG-CP ET 464287127 282 1,299 SH   SOLE   0 0 1,299
ISHARES TR CHINA LG-CAP ETF 464287184 562 12,100 SH   SOLE   0 0 12,100
ISHARES TR CORE MSCI EAFE 46432F842 16,939 245,167 SH   SOLE   239,167 0 6,000
ISHARES TR CORE S&P TTL STK 464287150 2,138 24,799 SH   SOLE   0 0 24,799
ISHARES TR CORE S&P US VLU 464287663 280 4,500 SH   SOLE   0 0 4,500
ISHARES TR MSCI EMG MKT ETF 464287234 207 4,000 SH   SOLE   0 0 4,000
ISHARES TR MIN VOL USA ETF 46429B697 3,577 52,701 SH   SOLE   0 0 52,701
ISHARES TR NASDAQ BIOTECH 464287556 2,227 14,700 SH   SOLE   0 0 14,700
ISHARES TR CORE S&P500 ETF 464287200 34,464 91,808 SH   SOLE   91,808 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 481 7,500 SH   SOLE   0 0 7,500
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 322 2,000 SH   SOLE   0 0 2,000
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 877 13,000 SH   SOLE   0 0 13,000
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 221 2,500 SH   SOLE   0 0 2,500
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,680 26,800 SH   SOLE   0 0 26,800
SPDR DOW JONES INDL AVERAGE UT SER 1 78467x109 305 999 SH   SOLE   0 0 999
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,646 15,101 SH   SOLE   0 0 15,101
SPDR SER TR S&P BIOTECH 78464A870 1,901 13,500 SH   SOLE   0 0 13,500
SPDR SER TR S&P HOMEBUILD 78464A888 1,095 19,001 SH   SOLE   0 0 19,001
VANECK VECTORS ETF TR AGRIBUSINESS ETF 92189F700 1,846 23,701 SH   SOLE   0 0 23,701
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,553 11,000 SH   SOLE   0 0 11,000
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 412 2,500 SH   SOLE   0 0 2,500
VANGUARD INDEX FDS GROWTH ETF 922908736 8,313 32,813 SH   SOLE   3,466 0 29,347
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 892 7,500 SH   SOLE   0 0 7,500
VANGUARD INDEX FDS MID CAP ETF 922908629 3,009 14,552 SH   SOLE   0 0 14,552
VANGUARD INDEX FDS REIT ETF 922908553 1,946 22,917 SH   SOLE   0 0 22,917
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,922 8,501 SH   SOLE   0 0 8,501
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,399 23,900 SH   SOLE   0 0 23,900
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,357 12,108 SH   SOLE   0 0 12,108
VANGUARD INDEX FDS STK MRK ETF 922908769 44,799 230,164 SH   SOLE   17,787 0 212,377
VANGUARD INDEX FDS VALUE ETF 922908744 12,600 105,918 SH   SOLE   10,140 0 95,778
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 251 4,300 SH   SOLE   0 0 4,300
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,715 30,492 SH   SOLE   286 0 30,206
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 295 5,431 SH   SOLE   306 0 5,125
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 3,407 36,805 SH   SOLE   0 0 36,805
VANGUARD INTL EQUITY INDEX F EMR MKT ETF 922042858 1,060 21,149 SH   SOLE   1,020 0 20,129
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 9,914 164,570 SH   SOLE   15,196 0 149,374
VANGUARD WORLD FD MEGA GRWTH IND 921910816 408 2,001 SH   SOLE   0 0 2,001
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 20,271 429,388 SH   SOLE   32,705 0 396,683
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,059 22,500 SH   SOLE   0 0 22,500
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 772 4,441 SH   SOLE   0 0 4,441
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 280 3,849 SH   SOLE   0 0 3,849
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 3,484 15,574 SH   SOLE   0 0 15,574
VANGUARD WORLD FDS MATERIALS ETF 92204A801 910 5,800 SH   SOLE   0 0 5,800
VANGUARD WORLD FDS UTILITIES ETF 92204A876 855 6,234 SH   SOLE   0 0 6,234
ISHARES TR 20 YR TR BD ETF 464287432 300 1,902 SH   SOLE   0 0 1,902
ISHARES TR CORE US AGGBD ET 464287226 136,064 1,151,235 SH   SOLE   997,601 0 153,634
ISHARES TR NATIONAL MUN ETF 464288414 345 2,944 SH   SOLE   0 0 2,944
ISHARES TR SHRT NAT MUN ETF 464288158 36,020 333,180 SH   SOLE   14,693 0 318,487
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 245 4,201 SH   SOLE   0 0 4,201
SPDR SER TR BLOOMBERG SRT TR 78468R408 209 7,738 SH   SOLE   0 0 7,738
SPDR SER TR BLOMBERG BRC INV 78468R200 11,381 372,035 SH   SOLE   39,724 0 332,311
SPDR SER TR PORTFOLIO SHORT 78464A474 15,594 496,612 SH   SOLE   5,078 0 491,534
SPDR SER TR BLOMBERG BRC INT 78464A334 12,570 383,010 SH   SOLE   46,488 0 336,522
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 9,799 214,646 SH   SOLE   23,882 0 190,764
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 600 18,024 SH   SOLE   2,414 0 15,610
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,990 36,070 SH   SOLE   5,125 0 30,945
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4,850 82,827 SH   SOLE   2,634 0 80,193
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 9,384 183,634 SH   SOLE   12,884 0 170,750