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
iBonds Dec 2020 Corp COM 46434VAQ3 8,537 341,750 SH   SOLE 50,496 0 291,254
iBonds Dec 2021 Corp COM 46434VBK5 7,435 305,212 SH   SOLE 43,688 0 261,524
iBonds Dec 2019 Corp COM 46434VAU4 7,268 293,072 SH   SOLE 24,775 0 268,297
iBonds Dec 2022 Corp COM 46434VBA7 6,562 271,502 SH   SOLE 31,786 0 239,716
iShares MSCI USA Min Vol COM 46429B697 11,852 226,192 SH   SOLE 61,963 0 164,229
iShares MSCI USA Value COM 46432F388 6,927 95,458 SH   SOLE 28,982 0 66,476
Invesco FTSE RAFI US 1000 COM 46137V613 9,334 91,897 SH   SOLE 26,443 0 65,454
iShares MSCI USA Quality COM 46432F339 6,565 85,529 SH   SOLE 21,848 0 63,681
Vanguard Value COM 922908744 7,940 81,065 SH   SOLE 22,585 0 58,480
Invesco S&P 500 Momentum COM 46138E339 2,488 73,685 SH   SOLE 27,590 0 46,095
Voya Financial Inc. COM 929089100 2,732 68,072 SH   SOLE 22,235 0 45,837
Vanguard FTSE All-World ex-US COM 922042775 2,886 63,324 SH   SOLE 14,234 0 49,090
iShares 1-3 Year Treasury COM 464287457 5,247 62,751 SH   SOLE 6,263 0 56,488
iShares MSCI USA Momentum COM 46432F396 5,997 59,836 SH   SOLE 14,580 0 45,256
iShares Core MSCI Total Intl COM 46432F834 2,942 56,009 SH   SOLE 12,301 0 43,708
iBonds Mar 2020 Corp COM 46432FBC0 1,413 54,492 SH   SOLE 17,810 0 36,682
Tencent Holdings COM 88032Q109 1,841 46,649 SH   SOLE 15,281 0 31,368
iShares MSCI World Min Vol COM 464286525 3,622 44,570 SH   SOLE 8,517 0 36,053
iShares MSCI EAFE Min Vol COM 46429B689 2,832 42,482 SH   SOLE 9,079 0 33,403
TJX Cos. Inc. COM 872540109 1,722 38,494 SH   SOLE 12,209 0 26,285
Vanguard Mid-Cap Value COM 922908512 3,576 37,535 SH   SOLE 8,908 0 28,627
Southwest Airlines COM 844741108 1,631 35,086 SH   SOLE 11,375 0 23,711
Delta Air Lines COM 247361702 1,701 34,091 SH   SOLE 11,172 0 22,919
iShares Core S&P Small-Cap COM 464287804 2,057 29,674 SH   SOLE 6,973 0 22,701
Alaska Air Group COM 011659109 1,796 29,516 SH   SOLE 9,614 0 19,902
Citigroup COM 172967424 1,432 27,513 SH   SOLE 8,786 0 18,727
Vanguard Health Care COM 92204A504 4,033 25,115 SH   SOLE 8,292 0 16,823
Invesco FTSE RAFI US 1500 S/M COM 46137V597 2,622 23,066 SH   SOLE 4,500 0 18,566
Vanguard Total Stock Market COM 922908769 2,772 21,721 SH   SOLE 6,210 0 15,511
Vanguard Mid-Cap COM 922908629 2,908 21,044 SH   SOLE 4,685 0 16,359
JP Morgan Chase & Co COM 46625H100 1,907 19,538 SH   SOLE 6,327 0 13,211
iShares MSCI Interl Dev Quality COM 46434V456 491 19,038 SH   SOLE 1,254 0 17,784
Pepsico COM 713448108 1,957 17,710 SH   SOLE 5,694 0 12,016
iShares Core Dividend Growth COM 46434V621 527 15,879 SH   SOLE 1,097 0 14,782
United Parcel Service COM 911312106 1,473 15,099 SH   SOLE 4,263 0 10,836
Berkshire Hathaway Cl B COM 084670702 3,017 14,776 SH   SOLE 4,616 0 10,160
Invesco FTSE RAFI Developed ex US COM 73936T789 539 14,374 SH   SOLE 840 0 13,534
iShares MSCI Multifactor US Small COM 46434V290 494 13,783 SH   SOLE 852 0 12,931
SPDR Floating Rate Bond COM 78468R200 360 11,865 SH   SOLE 200 0 11,665
Invesco DWA Momentum COM 73935X153 492 10,158 SH   SOLE 656 0 9,502
Apple Inc. COM 037833100 1,488 9,436 SH   SOLE 3,177 0 6,259
WisdomTree U.S. Multifactor COM 97717Y857 242 9,265 SH   SOLE 0 0 9,265
Affiliated Managers Group COM 008252108 869 8,922 SH   SOLE 2,295 0 6,627
iBonds Dec 2023 Corp COM 46434VAX8 201 8,306 SH   SOLE 1,000 0 7,306
CSX Corporation COM 126408103 363 5,848 SH   SOLE 0 0 5,848
Blackrock, Inc. COM 09247X101 1,730 4,405 SH   SOLE 1,421 0 2,984
Alphabet Inc Cl C COM 02079K107 1,899 1,834 SH   SOLE 596 0 1,238
Amazon.com COM 023135106 1,508 1,004 SH   SOLE 327 0 677
Booking Holdings, Inc. COM 09857L108 1,628 945 SH   SOLE 304 0 641