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
ACCO BRANDS CORP COM 00081T108 0 11 SH   SOLE   0 0 11
AMAZON COM INC COM 023135106 2 2 SH   SOLE   0 0 2
APPLE INC COM 023135106 113 730 SH   SOLE   0 0 730
BANK AMER CORP COM 060505104 445 17,578 SH   SOLE   0 0 17,578
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 146 6,259 SH   SOLE   0 0 6,259
DBX ETF TR XTRAK MSCI EAFE 233051200 6,817 219,697 SH   SOLE   0 0 219,697
FIDELITY TOTAL BD ETF 316188309 21 419 SH   SOLE   0 0 419
GRAPHIC PACKAGING HLDG CO COM 388689101 21 1,536 SH   SOLE   0 0 1,536
ISHARES MSCI FRNTR100ETF 464286145 0 12 SH   SOLE   0 0 12
ISHARES MIN VOL EMRG MKT 464286533 8,704 149,810 SH   SOLE   0 0 149,810
ISHARES TR TIPS BD ETF 464287176 6,218 54,749 SH   SOLE   0 0 54,749
ISHARES TR CORE S&P500 ETF 464287200 14,359 56,771 SH   SOLE   0 0 56,771
ISHARES TR CORE US AGGBD ET 464287226 13,853 126,404 SH   SOLE   0 0 126,404
ISHARES TR S&P 500 GRWT ETF 464287309 8,927 62,246 SH   SOLE   0 0 62,246
ISHARES TR S&P 500 VAL ETF 464287408 8,859 82,097 SH   SOLE   0 0 82,097
ISHARES TR 20 YR TR BD ETF 464287432 4,197 33,643 SH   SOLE   0 0 33,643
ISHARES TR 1-3 YR TR BD ETF 464287457 10 123 SH   SOLE   0 0 123
ISHARES TR CORE S&P MCP ETF 464287507 17,222 96,267 SH   SOLE   0 0 96,267
ISHARES TR RUS 2000 VAL ETF 464287630 2,239 18,041 SH   SOLE   0 0 18,041
ISHARES TR RUS 2000 GRW ETF 464287648 2,253 12,591 SH   SOLE   0 0 12,591
ISHARES TR U.S REAL ES ETF 464287739 5,387 67,434 SH   SOLE   0 0 67,434
ISHARES TR CORE S&P SCP ETF 464287804 3,706 49,933 SH   SOLE   0 0 49,933
ISHARES TR CORE SMC600VL ETF 464287879 559 3,766 SH   SOLE   0 0 766
ISHARES TR SP SMCP600GR ETF 464287887 558 3,394 SH   SOLE   0 0 3,394
ISHARES TR INTL TREA BD ETF 464288117 763 15,483 SH   SOLE   0 0 15,483
ISHARES TR MSCI ACWI EX US 464288240 302 6,237 SH   SOLE   0 0 6,237
ISHARES TR MSCI ACWI ETF 464288257 8 123 SH   SOLE   0 0 123
ISHARES TR JP MOR EM MK ETF 464288281 781 6,709 SH   SOLE   0 0 6,709
ISHARES TR IBOXX HI YD ETF 464288513 11,842 133,412 SH   SOLE   0 0 133,412
ISHARES TR US TREASURY ETF 46429B267 16 653 SH   SOLE   0 0 653
ISHARES TR CORES MSCI EAFE 46432F842 11,091 172,841 SH   SOLE   0 0 172,841
ISHARES TR CORE ST USDB ETF 46432F859 572 11,369 SH   SOLE   0 0 11,369
ISHARES TR CORE MSCI EMKT 46434G103 14 267 SH   SOLE   0 0 267
LILLY ELI & CO COM 532457108 223 2,636 SH   SOLE   0 0 2,636
NVIDIA CORP COM 67066G104 1 3 SH   SOLE   0 0 3
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 283 2,799 SH   SOLE   0 0 2,799
PIMCO EFT TR 0-5 HIGH YIELD 72201R783 241 2,376 SH   SOLE   0 0 2,376
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 117 2,550 SH   SOLE   0 0 2,550
PROCTOR AND GAMBLE CO COM 742718109 82 896 SH   SOLE   0 0 896
RYDER SYS INC COM 783549108 223 2,636 SH   SOLE   0 0 2,636
SCWAB STRATEGIC TR US LRG CAP ETF 808524201 639 10,642 SH   SOLE   0 0 10,642
SCWAB STRATEGIC TR US LCAP GR ETF 808524300 246 3,721 SH   SOLE   0 0 3,721
SCWAB STRATEGIC TR US LCAP GR ETF 808524409 316 6,104 SH   SOLE   0 0 6,104
SCWAB STRATEGIC TR US MID-CAP ETF 808524508 390 7,779 SH   SOLE   0 0 7,779
SCWAB STRATEGIC TR US SML CAP ETF 808524607 249 3,690 SH   SOLE   0 0 3,690
SCWAB STRATEGIC TR EMRD MKTEQ ETF 808524706 128 4,755 SH   SOLE   0 0 4,755
SCWAB STRATEGIC TR INTL EQTY ETF 808524805 643 19,220 SH   SOLE   0 0 19,220
SCWAB STRATEGIC TR US AGGREGATE B 808524839 137 2,609 SH   SOLE   0 0 2,609
SCWAB STRATEGIC TR US REIT ETF 808524847 125 3,027 SH   SOLE   0 0 3,027
SCWAB STRATEGIC TR INTL SCEQT ETF 808524888 99 2,932 SH   SOLE   0 0 2,932
SNAP INC CL A 83304A106 0 5 SH   SOLE   0 0 5
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 5,916 74,118 SH   SOLE   0 0 74,118
VANTIV INC CL A 92210H105 80 1,139 SH   SOLE   0 0 1,139
VANGUARD INDEX FDS REIT ETF 922908553 393 4,727 SH   SOLE   0 0 4,727
WELLS FARGO CO NEW COM 949746101 120 2,184 SH   SOLE   0 0 2,184
WISDOMTREE TR EM LCL DEBT FD 97717X867 6,650 172,330 SH   SOLE   0 0 172,330
AON PLC SHS CL A G0408V102 6 38 SH   SOLE   0 0 38