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
Estimated average burden
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
AT&T INC COM 00206R102 239 6,339 SH   SOLE   0 0 6,339
APPLE INC COM 037833100 349 2,423 SH   SOLE   0 0 2,423
DBX ETF TR XTRAK MSCI EAFE 233051200 7,618 253,748 SH   SOLE   0 0 253,748
EXXON MOBIL CORP COM 30231G102 544 6,741 SH   SOLE   0 0 6,741
GENERAL ELECTRIC CO COM 369604103 2,203 81,554 SH   SOLE   0 0 81,554
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 1,055 38,107 SH   SOLE   0 0 38,107
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 970 20,153 SH   SOLE   0 0 20,153
HOME DEPOT INC COM 437076102 207 1,350 SH   SOLE   0 0 1,350
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 8,951 291,180 SH   SOLE   0 0 291,180
ISHARES MSCI FRNTR100ETF 464286145 7,233 253,067 SH   SOLE   0 0 253,067
ISHARES MIN VOL EMRG MKT 464286533 857 15,475 SH   SOLE   0 0 15,475
ISHARES TR CORE S&P MCP ETF 464287507 5,404 31,065 SH   SOLE   0 0 31,065
ISHARES AGGRES ALLOC ETF 464289859 839 16,204 SH   SOLE   0 0 16,204
ISHARES GRWT ALLOCAT ETF 464289867 1,516 34,767 SH   SOLE   0 0 34,767
ISHARES CONSER ALLOC ETF 464289883 1,050 30,901 SH   SOLE   0 0 30,901
ISHARES TR MIN VOL EAFE ETF 46429B689 6,722 97,080 SH   SOLE   0 0 97,080
ISHARES TR MIN VOL USA ETF 46429B697 9,962 203,600 SH   SOLE   0 0 203,600
ISHARES TR USA QUALITY FCTR 46432F339 14,638 196,832 SH   SOLE   0 0 196,832
ISHARES TR USA VALUE FACTOR 46432F388 9,029 122,729 SH   SOLE   0 0 122,729
ISHARES TR MRNGSTR INC ETF 46432F875 2,860 111,668 SH   SOLE   0 0 111,668
ISHARES TR HDG MSCI EAFE 46434V803 1,104 38,844 SH   SOLE   0 0 38,844
NEW ENGLAND RLTY ASSOC LTD P DEPOSITRY RCPT 644206104 216 3,022 SH   SOLE   0 0 3,022
POWERSHARES ETF TRUST S&P 500 QLTY PRT 73935X682 1,056 37,761 SH   SOLE   0 0 37,761
SPDR SERIES TRUST WELLS FG PFD ETF 78464A292 1,764 39,219 SH   SOLE   0 0 39,219
SPDR SERIES TRUST BLMBRG BRC CNVRT 78464A359 1,865 37,593 SH   SOLE   0 0 37,593
SPDR SER TR SPDR S&P 500 ETF 78468R796 212 3,600 SH   SOLE   0 0 3,600
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 3,060 38,325 SH   SOLE   0 0 38,325
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 9,057 219,203 SH   SOLE   0 0 219,203
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 11,113 272,177 SH   SOLE   0 0 272,177
VANGUARD INDEX FDS REIT ETF 922908553 6,558 78,788 SH   SOLE   0 0 78,788
VANGUARD INDEX FDS GROWTH ETF 922908736 228 1,796 SH   SOLE   0 0 1,796
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,413 54,690 SH   SOLE   0 0 54,690
VERIZON COMMUNICATIONS INC COM 92343V104 343 7,672 SH   SOLE   0 0 7,672