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
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 589 22,019 SH   SOLE   0 0 22,019
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 921 14,479 SH   SOLE   0 0 14,479
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 2,233 43,788 SH   SOLE   0 0 43,788
PIMCO ETF TR ACTIVE BD ETF 72201R775 1,060 9,431 SH   SOLE   0 0 9,431
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,276 6,797 SH   SOLE   0 0 6,797
DISNEY WALT CO COM DISNEY 254687106 435 3,507 SH   SOLE   0 0 3,507
MASTERCARD INCORPORATED CL A 57636Q104 390 1,152 SH   SOLE   0 0 1,152
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 44,011 646,741 SH   SOLE   0 0 646,741
SELECT SECTOR SPDR TR ENERGY 81369Y506 332 11,071 SH   SOLE   0 0 11,071
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619 2,449 79,204 SH   SOLE   0 0 79,204
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 3,116 48,605 SH   SOLE   0 0 48,605
PEPSICO INC COM 713448108 227 1,637 SH   SOLE   0 0 1,637
VANGUARD WORLD FDS UTILITIES ETF 92204A876 914 7,080 SH   SOLE   0 0 7,080
AMAZON COM INC COM 023135106 1,140 362 SH   SOLE   0 0 362
ISHARES INC MSCI EMERG MKT 46434G889 4,204 95,803 SH   SOLE   0 0 95,803
APPLE INC COM 037833100 10,421 89,981 SH   SOLE   0 0 89,981
TARGET CORP COM 87612E106 319 2,029 SH   SOLE   0 0 2,029
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 3,056 92,452 SH   SOLE   0 0 92,452
MERCK & CO. INC COM 58933Y105 312 3,762 SH   SOLE   0 0 3,762
ORACLE CORP COM 68389X105 846 14,164 SH   SOLE   0 0 14,164
TEXAS INSTRS INC COM 882508104 276 1,936 SH   SOLE   0 0 1,936
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,929 35,274 SH   SOLE   0 0 35,274
PROCTER AND GAMBLE CO COM 742718109 311 2,241 SH   SOLE   0 0 2,241
ISHARES TR MSCI INTL MULTFT 46434V274 17,327 713,065 SH   SOLE   0 0 713,065
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 1,431 9,883 SH   SOLE   0 0 9,883
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 2,032 12,438 SH   SOLE   0 0 12,438
WALMART INC COM 931142103 635 4,542 SH   SOLE   0 0 4,542
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 4,122 83,603 SH   SOLE   0 0 83,603
FLEXSHARES TR M STAR DEV MKT 33939L803 205 3,667 SH   SOLE   0 0 3,667
INTEL CORP COM 458140100 506 9,780 SH   SOLE   0 0 9,780
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 23,851 970,718 SH   SOLE   0 0 970,718
ISHARES TR MSCI KLD400 SOC 464288570 406 3,174 SH   SOLE   0 0 3,174
ISHARES TR U.S. FINLS ETF 464287788 1,122 9,889 SH   SOLE   0 0 9,889
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 2,285 59,935 SH   SOLE   0 0 59,935
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 74,448 934,805 SH   SOLE   0 0 934,805
VANGUARD WORLD FDS ENERGY ETF 92204A306 991 24,573 SH   SOLE   0 0 24,573
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 4,529 58,831 SH   SOLE   0 0 58,831
JPMORGAN CHASE & CO COM 46625H100 358 3,722 SH   SOLE   0 0 3,722
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 1,131 3,848 SH   SOLE   0 0 3,848
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 21,280 421,797 SH   SOLE   0 0 421,797
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 2,179 9,286 SH   SOLE   0 0 9,286
VANGUARD STAR FDS VG TL INTL STK F 921909768 5,729 109,806 SH   SOLE   0 0 109,806
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 2,494 42,633 SH   SOLE   0 0 42,633
VANGUARD INDEX FDS MID CAP ETF 922908629 1,151 6,529 SH   SOLE   0 0 6,529
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 43,055 1,371,168 SH   SOLE   0 0 1,371,168
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,185 15,008 SH   SOLE   0 0 15,008
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 3,627 150,673 SH   SOLE   0 0 150,673
FACEBOOK INC CL A 30303M102 312 1,190 SH   SOLE   0 0 1,190
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 9,543 246,394 SH   SOLE   0 0 246,394
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 13,945 119,494 SH   SOLE   0 0 119,494
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 3,604 17,666 SH   SOLE   0 0 17,666
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 4,092 34,951 SH   SOLE   0 0 34,951
VANGUARD WORLD FDS MATERIALS ETF 92204A801 762 5,660 SH   SOLE   0 0 5,660
HOME DEPOT INC COM 437076102 605 2,180 SH   SOLE   0 0 2,180
NETFLIX INC COM 64110L106 1,134 2,268 SH   SOLE   0 0 2,268
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 20,458 726,742 SH   SOLE   0 0 726,742
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 670 19,006 SH   SOLE   0 0 19,006
AMGEN INC COM 031162100 255 1,005 SH   SOLE   0 0 1,005
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,269 21,365 SH   SOLE   0 0 21,365
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 33,428 293,773 SH   SOLE   0 0 293,773
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,572 67,254 SH   SOLE   0 0 67,254
TESLA INC COM 88160R101 823 1,918 SH   SOLE   0 0 1,918
MICROSOFT CORP COM 594918104 1,442 6,857 SH   SOLE   0 0 6,857
VANGUARD WORLD FDS INF TECH ETF 92204A702 6,338 20,350 SH   SOLE   0 0 20,350
ISHARES TR RUS 1000 ETF 464287622 708 3,784 SH   SOLE   0 0 3,784
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 6,457 63,388 SH   SOLE   0 0 63,388
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 6,810 64,559 SH   SOLE   0 0 64,559
ALPHABET INC CAP STK CL A 02079K305 516 352 SH   SOLE   0 0 352
MCCORMICK & CO INC COM NON VTG 579780206 219 1,128 SH   SOLE   0 0 1,128
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 14,121 326,563 SH   SOLE   0 0 326,563
ALPHABET INC CAP STK CL C 02079K107 344 234 SH   SOLE   0 0 234
EVOFEM BIOSCIENCES INC COM 30048L104 118 50,000 SH   SOLE   0 0 50,000
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 294 5,785 SH   SOLE   0 0 5,785
ISHARES TR CORE S&P500 ETF 464287200 343 1,020 SH   SOLE   0 0 1,020
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 5,372 163,821 SH   SOLE   0 0 163,821
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 5,599 38,090 SH   SOLE   0 0 38,090
PAYPAL HLDGS INC COM 70450Y103 588 2,982 SH   SOLE   0 0 2,982
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 954 9,957 SH   SOLE   0 0 9,957