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
AIR TRANSPORT SERVICES GRP I NOTE 1.125%10/1 00922RAB1 67 60,000 SH   SOLE   0 0 60,000
ATLAS AIR WORLDWIDE HLDGS IN NOTE 2.250% 6/0 049164BH8 347 330,000 SH   SOLE   0 0 330,000
FTI CONSULTING INC NOTE 2.000% 8/1 302941AP4 467 320,000 SH   SOLE   0 0 320,000
GREENBRIER COS INC NOTE 2.875% 2/0 393657AK7 294 270,000 SH   SOLE   0 0 270,000
GUIDEWIRE SOFTWARE INC NOTE 1.250% 3/1 40171VAA8 349 310,000 SH   SOLE   0 0 310,000
KAMAN CORP NOTE 3.250% 5/0 483548AF0 309 285,000 SH   SOLE   0 0 285,000
OSI SYSTEMS INC NOTE 1.250% 9/0 671044AD7 334 310,000 SH   SOLE   0 0 310,000
PRA GROUP INC NOTE 3.500% 6/0 69354NAB2 353 330,000 SH   SOLE   0 0 330,000
PACIRA BIOSCIENCES INC NOTE 2.375% 4/0 695127AD2 338 280,000 SH   SOLE   0 0 280,000
SSR MNG INC NOTE 2.500% 4/0 784730AB9 233 200,000 SH   SOLE   0 0 200,000
APPLE INC COM 037833100 8,691 71,152 SH   SOLE   0 0 71,102
ABBVIE INC COM 00287Y109 781 7,215 SH   SOLE   0 0 7,046
ABBOTT LABS COM 002824100 433 3,617 SH   SOLE   0 0 3,524
ISHARES INC MSCI GBL MIN VOL 464286525 9,588 97,185 SH   SOLE   0 0 97,061
ADOBE SYSTEMS INCORPORATED COM 00724F101 341 718 SH   SOLE   0 0 718
AMAZON COM INC COM 023135106 2,772 896 SH   SOLE   0 0 896
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 739 3,258 SH   SOLE   0 0 3,258
BLACKSTONE GROUP INC COM 09260D107 254 3,405 SH   SOLE   0 0 3,405
LEGG MASON ETF INVT TR CLRBRG GWT ETF 524682101 3,833 83,925 SH   SOLE   0 0 83,782
CBOE GLOBAL MKTS INC COM 12503M108 1,089 11,033 SH   SOLE   0 0 11,033
ISHARES INC JP MRG EM CRP BD 464286251 5,492 105,658 SH   SOLE   0 0 105,485
CERNER CORP COM 156782104 332 4,616 SH   SOLE   0 0 4,616
CLOROX CO DEL COM 189054109 451 2,336 SH   SOLE   0 0 2,336
CME GROUP INC COM 12572Q105 18,011 88,191 SH   SOLE   0 0 88,191
CHIPOTLE MEXICAN GRILL INC COM 169656105 213 150 SH   SOLE   0 0 150
COSTCO WHSL CORP NEW COM 22160K105 407 1,156 SH   SOLE   0 0 1,156
DOLLAR GEN CORP NEW COM 256677105 380 1,876 SH   SOLE   0 0 1,876
DISNEY WALT CO COM 254687106 520 2,816 SH   SOLE   0 0 2,816
DNP SELECT INCOME FD INC COM 23325P104 121 12,291 SH   SOLE   0 0 12,291
ISHARES TR SELECT DIVID ETF 464287168 341 2,988 SH   SOLE   0 0 2,988
VANGUARD WORLD FD EXTENDED DUR 921910709 293 2,332 SH   SOLE   0 0 2,332
ISHARES TR MSCI EMG MKT ETF 464287234 277 5,184 SH   SOLE   0 0 5,184
ISHARES TR MSCI EAFE ETF 464287465 532 7,009 SH   SOLE   0 0 7,009
LAUDER ESTEE COS INC CL A 518439104 258 887 SH   SOLE   0 0 887
FACEBOOK INC CL A 30303M102 468 1,590 SH   SOLE   0 0 1,590
FIDELITY COVINGTON TRUST TOTAL BD ETF 316188309 3,937 75,118 SH   SOLE   0 0 75,035
SPDR GOLD TR GOLD SHS 78463V107 211 1,321 SH   SOLE   0 0 1,321
GENERAC HLDGS INC COM 368736104 246 750 SH   SOLE   0 0 750
ALPHABET INC CAP STK CL C 02079K107 403 195 SH   SOLE   0 0 195
ALPHABET INC CAP STK CL A 02079K305 623 302 SH   SOLE   0 0 302
HOME DEPOT INC COM 437076102 267 875 SH   SOLE   0 0 875
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305 20,977 521,581 SH   SOLE   0 0 520,583
DBX ETF TR XTRACKERS LOW 233051267 398 7,891 SH   SOLE   0 0 7,891
ISHARES GOLD TR ISHARES 464285105 359 22,099 SH   SOLE   0 0 22,099
IDEXX LABS INC COM 45168D104 333 681 SH   SOLE   0 0 681
INTEL CORP COM 458140100 1,259 19,671 SH   SOLE   0 0 19,557
ISHARES TR CORE 1 5 YR USD 46432F859 939 18,301 SH   SOLE   0 0 18,301
ILLINOIS TOOL WKS INC COM 452308109 231 1,041 SH   SOLE   0 0 1,041
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 460 2,608 SH   SOLE   0 0 2,608
ISHARES TR RUS 1000 GRW ETF 464287614 279 1,147 SH   SOLE   0 0 1,147
ISHARES TR RUS MD CP GR ETF 464287481 474 4,642 SH   SOLE   0 0 4,642
JOHNSON & JOHNSON COM 478160104 1,005 6,114 SH   SOLE   0 0 6,042
JPMORGAN CHASE & CO COM 46625H100 1,169 7,676 SH   SOLE   0 0 7,676
KROGER CO COM 501044101 391 10,856 SH   SOLE   0 0 10,856
LOCKHEED MARTIN CORP COM 539830109 402 1,088 SH   SOLE   0 0 1,088
LOWES COS INC COM 548661107 204 1,074 SH   SOLE   0 0 981
PIMCO ETF TR 15+ YR US TIPS 72201R304 1,403 17,374 SH   SOLE   0 0 17,374
MASTERCARD INCORPORATED CL A 57636Q104 229 643 SH   SOLE   0 0 643
ISHARES TR MBS ETF 464288588 6,334 58,419 SH   SOLE   0 0 58,300
MERCADOLIBRE INC COM 58733R102 237 161 SH   SOLE   0 0 161
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 211 2,070 SH   SOLE   0 0 2,070
ALTRIA GROUP INC COM 02209S103 422 8,252 SH   SOLE   0 0 8,252
VANECK VECTORS ETF TR MORNINGSTAR WIDE 92189F643 4,236 61,148 SH   SOLE   0 0 61,059
MICROSOFT CORP COM 594918104 2,438 10,341 SH   SOLE   0 0 10,341
METTLER TOLEDO INTERNATIONAL COM 592688105 294 254 SH   SOLE   0 0 254
ISHARES TR NATIONAL MUN ETF 464288414 239 2,061 SH   SOLE   0 0 2,061
NVIDIA CORPORATION COM 67066G104 284 531 SH   SOLE   0 0 531
PROCTER AND GAMBLE CO COM 742718109 848 6,264 SH   SOLE   0 0 6,264
PROGRESSIVE CORP COM 743315103 401 4,195 SH   SOLE   0 0 4,195
PROSHARES TR SHORT QQQ NEW 74347B714 181 13,000 SH   SOLE   0 0 13,000
INVESCO QQQ TR UNIT SER 1 46090E103 717 2,247 SH   SOLE   0 0 2,247
STARBUCKS CORP COM 855244109 308 2,822 SH   SOLE   0 0 2,822
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 469 4,848 SH   SOLE   0 0 4,848
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 264 7,015 SH   SOLE   0 0 7,015
SCHWAB STRATEGIC TR US TIPS ETF 808524870 8,840 144,543 SH   SOLE   0 0 144,251
SENSEONICS HLDGS INC COM 81727U105 101 38,200 SH   SOLE   0 0 38,200
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326A104 252 15,354 SH   SOLE   0 0 15,354
PROSHARES TR SHORT S&P 500 NE 74347B425 335 20,000 SH   SOLE   0 0 20,000
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192 335 3,500 SH   SOLE   0 0 3,500
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 2,057 58,162 SH   SOLE   0 0 57,991
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,089 24,877 SH   SOLE   0 0 24,807
S&P GLOBAL INC COM 78409V104 369 1,044 SH   SOLE   0 0 1,044
SPDR SER TR PORTFOLIO SHORT 78464A474 22,115 706,333 SH   SOLE   0 0 704,815
SPDR SER TR PORTFOLI S&P1500 78464A805 3,754 76,314 SH   SOLE   0 0 76,121
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,405 21,208 SH   SOLE   0 0 21,208
AT&T INC COM 00206R102 388 12,816 SH   SOLE   0 0 12,816
TESLA INC COM 88160R101 1,025 1,534 SH   SOLE   0 0 1,534
ISHARES TR MSCI USA MIN VOL 46429B697 3,553 51,348 SH   SOLE   0 0 51,240
VISA INC COM CL A 92826C839 242 1,143 SH   SOLE   0 0 1,143
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 556 6,743 SH   SOLE   0 0 6,743
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 261 4,309 SH   SOLE   0 0 4,309
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 6,053 90,027 SH   SOLE   0 0 89,837
VANGUARD WORLD FDS INF TECH ETF 92204A702 239 666 SH   SOLE   0 0 666
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,639 11,143 SH   SOLE   0 0 11,143
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 207 967 SH   SOLE   0 0 967
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 608 11,126 SH   SOLE   0 0 11,126
VANGUARD INDEX FDS TOTAL STK MKT 922908769 9,760 47,220 SH   SOLE   0 0 47,220
VANGUARD INDEX FDS GROWTH ETF 922908736 744 2,893 SH   SOLE   0 0 2,893
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 382 7,336 SH   SOLE   0 0 7,336
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,239 19,768 SH   SOLE   0 0 19,768
VERIZON COMMUNICATIONS INC COM 92343V104 483 8,310 SH   SOLE   0 0 8,102
WALMART INC COM 931142103 208 1,531 SH   SOLE   0 0 1,465
WOODWARD INC COM 980745103 206 1,708 SH   SOLE   0 0 1,708
PIMCO ETF TR 25YR+ ZERO U S 72201R882 275 2,083 SH   SOLE   0 0 2,083