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
DISNEY WALT CO COM 254687106 509 3,007 SH   SOLE   0 0 3,007
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1,131 14,294 SH   SOLE   0 0 14,294
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,121 36,768 SH   SOLE   0 0 36,768
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 4,848 94,928 SH   SOLE   0 0 94,928
PIMCO ETF TR ACTIVE BD ETF 72201R775 1,362 12,322 SH   SOLE   0 0 12,322
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,003 6,998 SH   SOLE   0 0 6,998
MASTERCARD INCORPORATED CL A 57636Q104 450 1,293 SH   SOLE   0 0 1,293
BK OF AMERICA CORP COM 060505104 221 5,215 SH   SOLE   0 0 5,215
SELECT SECTOR SPDR TR ENERGY 81369Y506 778 14,933 SH   SOLE   0 0 14,933
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 58,947 685,196 SH   SOLE   0 0 685,196
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 3,101 45,053 SH   SOLE   0 0 45,053
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619 3,636 78,525 SH   SOLE   0 0 78,525
PEPSICO INC COM 713448108 265 1,762 SH   SOLE   0 0 1,762
AMAZON COM INC COM 023135106 1,110 338 SH   SOLE   0 0 338
VANGUARD WORLD FDS UTILITIES ETF 92204A876 1,638 11,771 SH   SOLE   0 0 11,771
APPLE INC COM 037833100 11,453 80,941 SH   SOLE   0 0 80,941
ISHARES INC MSCI EMERG MKT 46434G889 4,504 87,281 SH   SOLE   0 0 87,281
TARGET CORP COM 87612E106 509 2,224 SH   SOLE   0 0 2,224
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 11,790 223,798 SH   SOLE   0 0 223,798
LOWES COS INC COM 548661107 221 1,088 SH   SOLE   0 0 1,088
ORACLE CORP COM 68389X105 1,408 16,155 SH   SOLE   0 0 16,155
TEXAS INSTRS INC COM 882508104 392 2,040 SH   SOLE   0 0 2,040
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,535 30,941 SH   SOLE   0 0 30,941
PROCTER AND GAMBLE CO COM 742718109 343 2,455 SH   SOLE   0 0 2,455
PHILIP MORRIS INTL INC COM 718172109 202 2,126 SH   SOLE   0 0 2,126
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 2,875 15,301 SH   SOLE   0 0 15,301
ISHARES TR MSCI INTL MULTFT 46434V274 17,969 619,191 SH   SOLE   0 0 619,191
WALMART INC COM 931142103 647 4,645 SH   SOLE   0 0 4,645
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 3,473 19,381 SH   SOLE   0 0 19,381
LIBERTY MEDIA CORP DEL DEB 4.000%11/1 530715AG6 35 50,000 PRN   SOLE   0 0 50,000
INTEL CORP COM 458140100 614 11,516 SH   SOLE   0 0 11,516
NIKE INC CL B 654106103 210 1,443 SH   SOLE   0 0 1,443
FLEXSHARES TR M STAR DEV MKT 33939L803 269 3,744 SH   SOLE   0 0 3,744
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 5,932 122,761 SH   SOLE   0 0 122,761
INFINITY PHARMACEUTICALS INC COM 45665G303 500 146,200 SH   SOLE   0 0 146,200
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 36,029 1,097,449 SH   SOLE   0 0 1,097,449
ISHARES TR MSCI KLD400 SOC 464288570 458 5,510 SH   SOLE   0 0 5,510
ISHARES TR U.S. FINLS ETF 464287788 1,383 16,749 SH   SOLE   0 0 16,749
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 3,010 56,200 SH   SOLE   0 0 56,200
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,857 25,134 SH   SOLE   0 0 25,134
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 100,208 964,840 SH   SOLE   0 0 964,840
JPMORGAN CHASE & CO COM 46625H100 469 2,867 SH   SOLE   0 0 2,867
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 4,644 47,467 SH   SOLE   0 0 47,467
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 582 3,928 SH   SOLE   0 0 3,928
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 22,173 363,724 SH   SOLE   0 0 363,724
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 4,390 47,385 SH   SOLE   0 0 47,385
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,929 62,108 SH   SOLE   0 0 62,108
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 3,978 12,833 SH   SOLE   0 0 12,833
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,924 18,907 SH   SOLE   0 0 18,907
VANGUARD INDEX FDS MID CAP ETF 922908629 780 3,295 SH   SOLE   0 0 3,295
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 62,529 1,615,729 SH   SOLE   0 0 1,615,729
FACEBOOK INC CL A 30303M102 405 1,194 SH   SOLE   0 0 1,194
EOG RES INC COM 26875P101 273 3,402 SH   SOLE   0 0 3,402
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 23,077 427,741 SH   SOLE   0 0 427,741
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 14,085 94,325 SH   SOLE   0 0 94,325
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 6,792 27,479 SH   SOLE   0 0 27,479
MICROCHIP TECHNOLOGY INC. COM 595017104 220 1,436 SH   SOLE   0 0 1,436
VANGUARD WORLD FDS MATERIALS ETF 92204A801 1,074 6,197 SH   SOLE   0 0 6,197
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 4,053 22,209 SH   SOLE   0 0 22,209
HOME DEPOT INC COM 437076102 730 2,224 SH   SOLE   0 0 2,224
NETFLIX INC COM 64110L106 1,274 2,088 SH   SOLE   0 0 2,088
TESLA INC COM 88160R101 1,179 1,520 SH   SOLE   0 0 1,520
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 820 18,453 SH   SOLE   0 0 18,453
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 34,183 1,000,386 SH   SOLE   0 0 1,000,386
AMGEN INC COM 031162100 278 1,305 SH   SOLE   0 0 1,305
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,239 19,397 SH   SOLE   0 0 19,397
INVESCO QQQ TR UNIT SER 1 46090E103 214 599 SH   SOLE   0 0 599
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,997 72,775 SH   SOLE   0 0 72,775
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 36,729 231,931 SH   SOLE   0 0 231,931
MICROSOFT CORP COM 594918104 1,959 6,950 SH   SOLE   0 0 6,950
ISHARES TR RUS 1000 ETF 464287622 915 3,784 SH   SOLE   0 0 3,784
MERCK & CO INC COM 58933Y105 283 3,762 SH   SOLE   0 0 3,762
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 9,630 68,409 SH   SOLE   0 0 68,409
ISHARES TR RUS MID CAP ETF 464287499 222 2,836 SH   SOLE   0 0 2,836
VANGUARD WORLD FDS INF TECH ETF 92204A702 11,488 28,628 SH   SOLE   0 0 28,628
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 7,243 56,897 SH   SOLE   0 0 56,897
ALPHABET INC CAP STK CL A 02079K305 596 223 SH   SOLE   0 0 223
ALPHABET INC CAP STK CL C 02079K107 616 231 SH   SOLE   0 0 231
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 17,508 350,100 SH   SOLE   0 0 350,100
EVOFEM BIOSCIENCES INC COM 30048L104 37 50,000 SH   SOLE   0 0 50,000
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 1,263 24,893 SH   SOLE   0 0 24,893
ISHARES TR CORE S&P500 ETF 464287200 439 1,020 SH   SOLE   0 0 1,020
PAYPAL HLDGS INC COM 70450Y103 731 2,811 SH   SOLE   0 0 2,811
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 5,473 30,498 SH   SOLE   0 0 30,498
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 7,707 207,747 SH   SOLE   0 0 207,747
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 5,108 136,106 SH   SOLE   0 0 136,106
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,328 14,063 SH   SOLE   0 0 14,063