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
DISNEY WALT CO COM 254687106 531 3,022 SH   SOLE   0 0 3,022
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1,127 13,688 SH   SOLE   0 0 13,688
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 707 21,501 SH   SOLE   0 0 21,501
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 1,725 33,786 SH   SOLE   0 0 33,786
PIMCO ETF TR ACTIVE BD ETF 72201R775 1,463 13,183 SH   SOLE   0 0 13,183
MASTERCARD INCORPORATED CL A 57636Q104 482 1,319 SH   SOLE   0 0 1,319
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,996 6,998 SH   SOLE   0 0 6,998
BK OF AMERICA CORP COM 060505104 233 5,645 SH   SOLE   0 0 5,645
SELECT SECTOR SPDR TR ENERGY 81369Y506 809 15,021 SH   SOLE   0 0 15,021
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 56,728 659,396 SH   SOLE   0 0 659,396
PEPSICO INC COM 713448108 290 1,954 SH   SOLE   0 0 1,954
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 3,141 44,892 SH   SOLE   0 0 44,892
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619 3,674 78,563 SH   SOLE   0 0 78,563
AMAZON COM INC COM 023135106 1,256 365 SH   SOLE   0 0 365
VANGUARD WORLD FDS UTILITIES ETF 92204A876 1,438 10,362 SH   SOLE   0 0 10,362
PDC ENERGY INC NOTE 1.125% 9/1 69327RAD3 10 10,000 PRN   SOLE   0 0 10,000
APPLE INC COM 037833100 11,708 85,485 SH   SOLE   0 0 85,485
ISHARES INC MSCI EMERG MKT 46434G889 4,395 81,114 SH   SOLE   0 0 81,114
TARGET CORP COM 87612E106 580 2,400 SH   SOLE   0 0 2,400
LOWES COS INC COM 548661107 211 1,088 SH   SOLE   0 0 1,088
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 9,321 171,377 SH   SOLE   0 0 171,377
ORACLE CORP COM 68389X105 1,265 16,255 SH   SOLE   0 0 16,255
TEXAS INSTRS INC COM 882508104 392 2,040 SH   SOLE   0 0 2,040
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,559 31,141 SH   SOLE   0 0 31,141
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 2,668 13,582 SH   SOLE   0 0 13,582
ISHARES TR MSCI INTL MULTFT 46434V274 18,681 621,653 SH   SOLE   0 0 621,653
PHILIP MORRIS INTL INC COM 718172109 211 2,126 SH   SOLE   0 0 2,126
PROCTER AND GAMBLE CO COM 742718109 331 2,454 SH   SOLE   0 0 2,454
WALMART INC COM 931142103 655 4,645 SH   SOLE   0 0 4,645
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 3,121 17,102 SH   SOLE   0 0 17,102
LIBERTY MEDIA CORP DEL DEB 4.000%11/1 530715AG6 35 50,000 PRN   SOLE   0 0 50,000
FLEXSHARES TR M STAR DEV MKT 33939L803 272 3,727 SH   SOLE   0 0 3,727
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 34,110 1,024,930 SH   SOLE   0 0 1,024,930
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 5,869 121,231 SH   SOLE   0 0 121,231
INTEL CORP COM 458140100 647 11,516 SH   SOLE   0 0 11,516
NIKE INC CL B 654106103 278 1,801 SH   SOLE   0 0 1,801
INFINITY PHARMACEUTICALS INC COM 45665G303 364 121,800 SH   SOLE   0 0 121,800
ISHARES TR MSCI KLD400 SOC 464288570 456 5,510 SH   SOLE   0 0 5,510
ISHARES TR U.S. FINLS ETF 464287788 1,370 16,900 SH   SOLE   0 0 16,900
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 3,084 56,709 SH   SOLE   0 0 56,709
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,789 23,575 SH   SOLE   0 0 23,575
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 95,085 911,911 SH   SOLE   0 0 911,911
JPMORGAN CHASE & CO COM 46625H100 500 3,217 SH   SOLE   0 0 3,217
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 4,785 46,733 SH   SOLE   0 0 46,733
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 938 4,137 SH   SOLE   0 0 4,137
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 23,040 363,469 SH   SOLE   0 0 363,469
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 3,972 43,916 SH   SOLE   0 0 43,916
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 3,640 11,592 SH   SOLE   0 0 11,592
VANGUARD STAR FDS VG TL INTL STK F 921909768 4,140 63,037 SH   SOLE   0 0 63,037
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,795 17,634 SH   SOLE   0 0 17,634
VANGUARD INDEX FDS MID CAP ETF 922908629 781 3,292 SH   SOLE   0 0 3,292
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 57,994 1,470,056 SH   SOLE   0 0 1,470,056
FACEBOOK INC CL A 30303M102 487 1,401 SH   SOLE   0 0 1,401
EOG RES INC COM 26875P101 284 3,402 SH   SOLE   0 0 3,402
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 20,070 366,783 SH   SOLE   0 0 366,783
MICROCHIP TECHNOLOGY INC. COM 595017104 215 1,436 SH   SOLE   0 0 1,436
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 13,965 94,578 SH   SOLE   0 0 94,578
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 6,155 24,904 SH   SOLE   0 0 24,904
VANGUARD WORLD FDS MATERIALS ETF 92204A801 1,016 5,619 SH   SOLE   0 0 5,619
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 4,220 22,581 SH   SOLE   0 0 22,581
HOME DEPOT INC COM 437076102 709 2,224 SH   SOLE   0 0 2,224
NETFLIX INC COM 64110L106 1,103 2,088 SH   SOLE   0 0 2,088
TESLA INC COM 88160R101 1,043 1,534 SH   SOLE   0 0 1,534
AMGEN INC COM 031162100 308 1,265 SH   SOLE   0 0 1,265
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 815 18,390 SH   SOLE   0 0 18,390
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 31,275 895,351 SH   SOLE   0 0 895,351
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,230 19,455 SH   SOLE   0 0 19,455
INVESCO QQQ TR UNIT SER 1 46090E103 215 608 SH   SOLE   0 0 608
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 37,208 232,073 SH   SOLE   0 0 232,073
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,017 72,752 SH   SOLE   0 0 72,752
MICROSOFT CORP COM 594918104 1,988 7,340 SH   SOLE   0 0 7,340
ISHARES TR RUS 1000 ETF 464287622 916 3,784 SH   SOLE   0 0 3,784
MERCK & CO INC COM 58933Y105 300 3,862 SH   SOLE   0 0 3,862
ISHARES TR RUS MID CAP ETF 464287499 225 2,836 SH   SOLE   0 0 2,836
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 9,448 65,696 SH   SOLE   0 0 65,696
VANGUARD WORLD FDS INF TECH ETF 92204A702 10,562 26,486 SH   SOLE   0 0 26,486
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 7,060 56,053 SH   SOLE   0 0 56,053
ALPHABET INC CAP STK CL A 02079K305 545 223 SH   SOLE   0 0 223
ALPHABET INC CAP STK CL C 02079K107 629 251 SH   SOLE   0 0 251
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 17,832 328,335 SH   SOLE   0 0 328,335
EVOFEM BIOSCIENCES INC COM 30048L104 57 50,000 SH   SOLE   0 0 50,000
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 707 13,934 SH   SOLE   0 0 13,934
ISHARES TR CORE S&P500 ETF 464287200 439 1,020 SH   SOLE   0 0 1,020
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 5,404 30,264 SH   SOLE   0 0 30,264
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 7,845 192,232 SH   SOLE   0 0 192,232
PAYPAL HLDGS INC COM 70450Y103 828 2,839 SH   SOLE   0 0 2,839
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 4,975 135,605 SH   SOLE   0 0 135,605
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,332 14,006 SH   SOLE   0 0 14,006
JOHNSON & JOHNSON COM 478160104 251 1,521 SH   SOLE   0 0 1,521