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
FIDELITY TOTAL BD ETF 316188309 20,047 392,539 SH   SOLE   0 0 392,539
ISHARES GOLD TRUST ISHARES 464285105 339 26,736 SH   SOLE   0 0 26,736
ISHARES MSCI AUST ETF 464286145 411 16,003 SH   SOLE   0 0 16,003
ISHARES EM MK MINVOL ETF 464286533 11,461 211,998 SH   SOLE   0 0 211,998
ISHARES TR CORE S&P TTL STK 464287150 1,393 28,141 SH   SOLE   0 0 28,141
ISHARES TR CORE US AGGBD ET 464287226 1,349 12,003 SH   SOLE   0 0 12,003
ISHARES TR IBOXX INV CP ETF 464287242 6,884 55,887 SH   SOLE   0 0 55,887
ISHARES S&P 500 GRWT ETF 464287309 19,568 160,839 SH   SOLE   0 0 160,839
ISHARES S&P 500 VAL ETF 464287408 20,175 212,461 SH   SOLE   0 0 212,461
ISHARES TR CORE S&P MCP ETF 464287507 12,543 81,073 SH   SOLE   0 0 81,073
ISHARES S&P MC 400GR ETF 464287606 10,520 60,209 SH   SOLE   0 0 60,209
ISHARES S&P MC 400VL ETF 464287705 16,153 121,453 SH   SOLE   0 0 121,453
ISHARES TR CORE S&P SCP ETF 464287804 2,145 17,278 SH   SOLE   0 0 17,278
ISHARES SP SMCP600VL ETF 464287879 5,388 43,173 SH   SOLE   0 0 43,173
ISHARES SP SMCP600GR ETF 464287887 1,773 12,932 SH   SOLE   0 0 12,932
ISHARES CORE LT USDB ETF 464289479 10,219 153,421 SH   SOLE   0 0 153,421
FIRST TR EXCHANGE TRADED FD SENIOR LN FD 33738D309 531 10,952 SH   SOLE   0 0 10,952
FIRST TR EXCHANGE TRADED FD FIRST TR TA HIYL 33738D408 1,317 27,069 SH   SOLE   0 0 27,069
FIRST TR EXCHANGE-TRADED FD PFD SECS INC ETF 33739E108 758 38,788 SH   SOLE   0 0 38,788
FIRST TR EXCH TRADED FD III LNG/SHT EQUITY 33739P103 461 13,958 SH   SOLE   0 0 13,958
FIRST TR EXCH TRADED FD III EME MRK BD ETF 33739P202 6,519 152,301 SH   SOLE   0 0 152,301
FLEXSHARES TR DISCP DUR MBS 33939L779 326 13,095 SH   SOLE   0 0 13,095
ISHARES TR CORE US TR BD 46429B267 5,275 202,262 SH   SOLE   0 0 202,262
ISHARES TR EAFE MIN VOL ETF 46429B689 12,050 178,149 SH   SOLE   0 0 178,149
ISHARES TR USA MIN VOL ETF 46429B697 31,521 693,832 SH   SOLE   0 0 693,832
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 23,251 463,269 SH   SOLE   0 0 463,269
ISHARES TR CORE MSCI EAFE 46432F842 9,374 169,997 SH   SOLE   0 0 169,997
ISHARES TR CORE ST USDB ETF 46432F859 908 17,927 SH   SOLE   0 0 17,927
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 615 14,820 SH   SOLE   0 0 14,820