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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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
XTR (USSG) US LARGE CAP CORE EETF 233051150 307 10,504 SH   SOLE   10,504 0 0
ISH (EMHY) USD EM HIGH YIELD FETF 464286285 1,090 23,030 SH   SOLE   23,030 0 0
ISH (TIP) TIPS BOND FD FETF 464287176 365 3,132 SH   SOLE   3,132 0 0
ISH (IVV) S&P500 CORE EETF 464287200 2,324 7,190 SH   SOLE   7,190 0 0
ISH (AGG) CORE U.S. FETF 464287226 3,124 27,795 SH   SOLE   27,795 0 0
ISH (LQD) IBOXX INV GRD CORP BD FETF 464287242 467 3,654 SH   SOLE   3,654 0 0
ISH (TLT) 20 PLUS YEAR TREAS FETF 464287432 389 2,871 SH   SOLE   2,871 0 0
ISH (IEF) BARCLAYS 7-10YR TSY FETF 464287440 581 5,270 SH   SOLE   5,270 0 0
ISH (SHY) 1-3 YEAR TREAS FETF 464287457 2,890 34,152 SH   SOLE   34,152 0 0
ISH (IWO) RUSSELL 2000 GWTH EETF 464287648 2,163 10,100 SH   SOLE   10,100 0 0
ISH (IJR) S&P SMALL CAP EETF 464287804 15,368 183,321 SH   SOLE   171,551 0 11,770
ISH (EMB) USD EMERGING FETF 464288281 5,309 46,359 SH   SOLE   46,359 0 0
ISH (MUB) NATL MUNI FETF 464288414 1,400 12,290 SH   SOLE   12,290 0 0
ISH (IDV) INTL DIVIDEND EETF 464288448 1,117 33,290 SH   SOLE   33,290 0 0
ISH (HYG) HIGH YLD FETF 464288513 7,222 82,122 SH   SOLE   82,122 0 0
ISH (MBB) MBS BOND FD FETF 464288588 5,119 47,364 SH   SOLE   47,364 0 0
ISH (IGIB) INT CREDIT FETF 464288638 803 13,857 SH   SOLE   13,857 0 0
ISH (IGSB) 1-3 YEAR CREDIT FETF 464288646 734 13,686 SH   SOLE   13,686 0 0
ISH (SHV) SHORT TSY BOND FD FETF 464288679 6,292 56,968 SH   SOLE   56,968 0 0
ISH (PFF) PREF STK INDX FETF 464288687 12,680 337,408 SH   SOLE   337,408 0 0
ISH (EFV) MSCI EAFE VALUE EETF 464288877 13,233 264,979 SH   SOLE   248,069 0 16,910
ISH (EUFN) EUR FIN EETF 464289180 1,899 97,515 SH   SOLE   97,515 0 0
ISH (IGLB) 10 PLUS YEAR CREDIT FETF 464289511 1,106 16,603 SH   SOLE   16,603 0 0
CBR (LRGE) LRG CAP GR ESG EETF 524682200 287 7,569 SH   SOLE   7,569 0 0
SCH (SCHD) US DIV EETF 808524797 3,149 54,372 SH   SOLE   54,372 0 0
VAN (BLV) LONG TERM BOND FETF 921937793 2,866 28,596 SH   SOLE   28,596 0 0
VAN (BSV) SHORT BD FD FETF 921937827 5,197 64,481 SH   SOLE   64,481 0 0
VAN (VYM) HIGH DVD YLD EETF 921946406 502 5,361 SH   SOLE   5,361 0 0
VAN (VNQ) REIT EETF 922908553 1,257 13,550 SH   SOLE   13,550 0 0
INV (QQQ) TRUST EETF 46090E103 1,097 5,160 SH   SOLE   5,160 0 0
FST (FTSM) ENHANCED SHORT MAT FETF 33739Q408 885 14,733 SH   SOLE   14,733 0 0
INV (PCY) EMERG MKT DEBT FETF 46138E784 1,632 55,278 SH   SOLE   55,278 0 0
INV (VRP) V/R PREF FETF 46138G870 2,528 98,018 SH   SOLE   98,018 0 0
ISH (QUAL) US QUALITY EETF 46432F339 34,540 341,982 SH   SOLE   320,012 0 21,970
ISH (VLUE) MSCI VALUE EETF 46432F388 19,132 213,170 SH   SOLE   199,515 0 13,655
ISH (IEFA) CORE EAFE EETF 46432F842 26,748 409,925 SH   SOLE   383,715 0 26,210
ISH (IEMG) EMERGING MKTS EETF 46434G103 11,371 211,585 SH   SOLE   198,100 0 13,485
ISH (ESGE) MSCI EM SELECT EETF 46434G863 286 7,966 SH   SOLE   7,966 0 0
ISH (SHYG) HIGH YIELD 0-5YR CORP FETF 46434V407 12,671 273,028 SH   SOLE   273,028 0 0
ISH (REM) MORTGAGE EETF 46435G342 1,551 34,821 SH   SOLE   34,821 0 0
ISH (ESGD) MSCI EAFE EETF 46435G516 509 7,415 SH   SOLE   7,415 0 0
JPM (BBJP) JAPAN EETF 46641Q712 9,518 388,163 SH   SOLE   363,828 0 24,335
JPM (JPST) ULTRA SHORT INC FETF 46641Q837 6,803 134,930 SH   SOLE   134,930 0 0
SAGE (GUDB) INT CREDIT FETF 66538H583 12,029 237,955 SH   SOLE   237,955 0 0
NUV (NULV) ESG LRG CAP VAL EETF 67092P300 406 12,387 SH   SOLE   12,387 0 0
PIMCO (HYS) 0-5 YR HIGH YLD FETF 72201R783 4,098 41,092 SH   SOLE   41,092 0 0
PIMCO (MINT) SHORT DUR FETF 72201R833 2,794 27,505 SH   SOLE   27,505 0 0
SPDR (GMF) EMG MKT ASIA EETF 78463X301 7,602 73,616 SH   SOLE   68,931 0 4,685
SPDR (CWB) CONVERTIBLE FETF 78464A359 1,447 26,113 SH   SOLE   26,113 0 0
SPDR (SDY) S&P 500 DIV EETF 78464A763 18,889 175,630 SH   SOLE   164,510 0 11,120
SPDR (XLP) CONS STAPLE EETF 81369Y308 9,507 150,999 SH   SOLE   141,339 0 9,660
SPDR (XLK) TECHNOLOGY EETF 81369Y803 21,068 229,771 SH   SOLE   214,991 0 14,780
VANE (EMLC) LC BOND FETF 92189H300 384 11,289 SH   SOLE   11,289 0 0
MKTV (HYD) HIGH YLD MUNI FETF 92189H409 8,694 135,697 SH   SOLE   135,697 0 0