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
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 647 14,370 SH   SOLE   0 0 14,370
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 632 30,528 SH   SOLE   0 0 30,528
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 644 12,773 SH   SOLE   0 0 12,773
PIMCO ETF TR ACTIVE BD ETF 72201R775 1,253 11,800 SH   SOLE   0 0 11,800
DISNEY WALT CO COM DISNEY 254687106 343 3,554 SH   SOLE   0 0 3,554
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,295 8,906 SH   SOLE   0 0 8,906
SELECT SECTOR SPDR TR ENERGY 81369Y506 746 25,665 SH   SOLE   0 0 25,665
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 12,549 240,444 SH   SOLE   0 0 240,444
PEPSICO INC COM 713448108 202 1,681 SH   SOLE   0 0 1,681
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 2,669 48,995 SH   SOLE   0 0 48,995
AMAZON COM INC COM 023135106 706 362 SH   SOLE   0 0 362
VANGUARD WORLD FDS UTILITIES ETF 92204A876 368 3,016 SH   SOLE   0 0 3,016
APPLE INC COM 037833100 3,177 12,493 SH   SOLE   0 0 12,493
TARGET CORP COM 87612E106 209 2,243 SH   SOLE   0 0 2,243
MERCK & CO. INC COM 58933Y105 289 3,762 SH   SOLE   0 0 3,762
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 1,233 47,681 SH   SOLE   0 0 47,681
ORACLE CORP COM 68389X105 719 14,884 SH   SOLE   0 0 14,884
TEXAS INSTRS INC COM 882508104 213 2,128 SH   SOLE   0 0 2,128
BOEING CO COM 097023105 377 2,527 SH   SOLE   0 0 2,527
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,774 33,755 SH   SOLE   0 0 33,755
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 901 8,171 SH   SOLE   0 0 8,171
WALMART INC COM 931142103 516 4,542 SH   SOLE   0 0 4,542
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 1,219 8,848 SH   SOLE   0 0 8,848
WISDOMTREE TR JAPN HEDGE EQT 97717W851 355 8,428 SH   SOLE   0 0 8,428
INTEL CORP COM 458140100 529 9,780 SH   SOLE   0 0 9,780
ISHARES TR U.S. ENERGY ETF 464287796 163 10,679 SH   SOLE   0 0 10,679
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 6,053 126,206 SH   SOLE   0 0 126,206
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1,991 94,674 SH   SOLE   0 0 94,674
ISHARES TR MSCI KLD400 SOC 464288570 359 3,684 SH   SOLE   0 0 3,684
ISHARES TR U.S. FINLS ETF 464287788 1,014 10,426 SH   SOLE   0 0 10,426
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 3,435 111,881 SH   SOLE   0 0 111,881
LIBERTY MEDIA CORP DEB 4.000%11/1 530715AG6 35 50,000 PRN   SOLE   0 0 50,000
CISCO SYS INC COM 17275R102 859 21,859 SH   SOLE   0 0 21,859
VANGUARD WORLD FDS ENERGY ETF 92204A306 550 14,399 SH   SOLE   0 0 14,399
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 22,880 378,624 SH   SOLE   0 0 378,624
JPMORGAN CHASE & CO COM 46625H100 335 3,722 SH   SOLE   0 0 3,722
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 3,422 57,983 SH   SOLE   0 0 57,983
PROCTER & GAMBLE CO COM 742718109 269 2,448 SH   SOLE   0 0 2,448
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 1,030 5,298 SH   SOLE   0 0 5,298
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 1,596 31,462 SH   SOLE   0 0 31,462
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 1,465 10,078 SH   SOLE   0 0 10,078
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 39,733 968,629 SH   SOLE   0 0 968,629
VANGUARD STAR FDS VG TL INTL STK F 921909768 9,569 228,047 SH   SOLE   0 0 228,047
VISA INC COM CL A 92826C839 231 1,433 SH   SOLE   0 0 1,433
VANGUARD INDEX FDS MID CAP ETF 922908629 4,556 34,604 SH   SOLE   0 0 34,604
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 588 8,419 SH   SOLE   0 0 8,419
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 24,187 936,030 SH   SOLE   0 0 936,030
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 3,077 147,814 SH   SOLE   0 0 147,814
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 6,710 214,161 SH   SOLE   0 0 214,161
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 12,439 154,778 SH   SOLE   0 0 154,778
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 2,358 14,198 SH   SOLE   0 0 14,198
VANGUARD WORLD FDS MATERIALS ETF 92204A801 277 2,878 SH   SOLE   0 0 2,878
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 3,229 36,100 SH   SOLE   0 0 36,100
HOME DEPOT INC COM 437076102 421 2,253 SH   SOLE   0 0 2,253
ISHARES TR MSCI AC ASIA ETF 464288182 351 5,883 SH   SOLE   0 0 5,883
NETFLIX INC COM 64110L106 874 2,328 SH   SOLE   0 0 2,328
AMGEN INC COM 031162100 204 1,005 SH   SOLE   0 0 1,005
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 609 19,639 SH   SOLE   0 0 19,639
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 25,428 1,102,677 SH   SOLE   0 0 1,102,677
TESLA INC COM 88160R101 369 705 SH   SOLE   0 0 705
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,150 20,758 SH   SOLE   0 0 20,758
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 43,291 468,319 SH   SOLE   0 0 468,319
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,362 67,786 SH   SOLE   0 0 67,786
MICROSOFT CORP COM 594918104 1,126 7,137 SH   SOLE   0 0 7,137
ISHARES TR RUS 1000 ETF 464287622 22,526 159,161 SH   SOLE   0 0 159,161
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 736 9,656 SH   SOLE   0 0 9,656
VANGUARD WORLD FDS INF TECH ETF 92204A702 3,225 15,217 SH   SOLE   0 0 15,217
MASTERCARD INC CL A 57636Q104 308 1,276 SH   SOLE   0 0 1,276
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 5,834 65,859 SH   SOLE   0 0 65,859
APPLIED MATLS INC COM 038222105 292 6,378 SH   SOLE   0 0 6,378
ALPHABET INC CAP STK CL A 02079K305 409 352 SH   SOLE   0 0 352
ALPHABET INC CAP STK CL C 02079K107 272 234 SH   SOLE   0 0 234
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,463 282,071 SH   SOLE   0 0 282,071
FLUIDIGM CORP DEL COM 34385P108 25 10,000 SH   SOLE   0 0 10,000
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 499 10,048 SH   SOLE   0 0 10,048
ISHARES TR CORE S&P500 ETF 464287200 264 1,020 SH   SOLE   0 0 1,020
PAYPAL HLDGS INC COM 70450Y103 285 2,978 SH   SOLE   0 0 2,978
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 7,145 273,014 SH   SOLE   0 0 273,014
ISHARES TR EUROPE ETF 464287861 1,156 32,730 SH   SOLE   0 0 32,730
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 4,795 48,889 SH   SOLE   0 0 48,889
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 410 4,706 SH   SOLE   0 0 4,706