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
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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
AMAZON COM INC COM 023135106 4 3 SH   SOLE   0 0 3
APPLE INC COM 023135106 124 730 SH   SOLE   0 0 730
BANK AMER CORP COM 060505104 519 17,578 SH   SOLE   0 0 17,578
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 154 6,294 SH   SOLE   0 0 6,294
DBX ETF TR XTRAK MSCI EAFE 233051200 6,799 213,941 SH   SOLE   0 0 213,941
FIDELITY TOTAL BD ETF 316188309 22 436 SH   SOLE   0 0 436
ISHARES MSCI FRNTR100ETF 464286145 0 12 SH   SOLE   0 0 12
ISHARES MIN VOL EMRG MKT 464286533 8,963 147,519 SH   SOLE   0 0 147,719
ISHARES TR TIPS BD ETF 464287176 6,379 55,920 SH   SOLE   0 0 55,920
ISHARES TR CORE S&P500 ETF 464287200 14,736 54,811 SH   SOLE   0 0 54,811
ISHARES TR CORE US AGGBD ET 464287226 14,158 129,502 SH   SOLE   0 0 129,502
ISHARES TR S&P 500 GRWT ETF 464287309 9,150 59,896 SH   SOLE   0 0 59,896
ISHARES TR S&P 500 VAL ETF 464287408 9,180 80,357 SH   SOLE   0 0 80,357
ISHARES TR 20 YR TR BD ETF 464287432 4,401 34,695 SH   SOLE   0 0 34,695
ISHARES TR CORE S&P MCP ETF 464287507 17,491 92,162 SH   SOLE   0 0 92,162
ISHARES TR RUS 2000 VAL ETF 464287630 2,216 17,623 SH   SOLE   0 0 17,623
ISHARES TR RUS 2000 GRW ETF 464287648 2,231 11,948 SH   SOLE   0 0 11,948
ISHARES TR U.S REAL ES ETF 464287739 5,646 69,694 SH   SOLE   0 0 69,694
ISHARES TR CORE S&P SCP ETF 464287804 3,779 49,202 SH   SOLE   0 0 49,202
ISHARES TR CORE SMC600VL ETF 464287879 555 3,612 SH   SOLE   0 0 3,612
ISHARES TR SP SMCP600GR ETF 464287887 555 3,263 SH   SOLE   0 0 3,263
ISHARES TR INTL TREA BD ETF 464288117 788 15,780 SH   SOLE   0 0 15,780
ISHARES TR MSCI ACWI EX US 464288240 345 6,907 SH   SOLE   0 0 6,907
ISHARES TR MSCI ACWI ETF 464288257 9 122 SH   SOLE   0 0 122
ISHARES TR JP MOR EM MK ETF 464288281 809 6,964 SH   SOLE   0 0 6,964
ISHARES TR IBOXX HI YD ETF 464288513 12,029 137,856 SH   SOLE   0 0 137,856
ISHARES TR CORE MSCI TOTAL 46432F834 27 434 SH   SOLE   0 0 434
ISHARES TR CORES MSCI EAFE 46432F842 11,559 174,894 SH   SOLE   0 0 174,894
ISHARES TR CORE ST USDB ETF 46432F859 600 12,035 SH   SOLE   0 0 12,035
ISHARES TR CORE MSCI EMKT 46434G103 15 260 SH   SOLE   0 0 260
LILLY ELI & CO COM 532457108 274 3,247 SH   SOLE   0 0 3,247
NVIDIA CORP COM 67066G104 1 3 SH   SOLE   0 0 3
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 307 3,056 SH   SOLE   0 0 3,056
PIMCO EFT TR 0-5 HIGH YIELD 72201R783 241 2,403 SH   SOLE   0 0 2,403
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 120 2,521 SH   SOLE   0 0 2,521
PROCTOR AND GAMBLE CO COM 742718109 82 896 SH   SOLE   0 0 896
RYDER SYS INC COM 783549108 222 2,636 SH   SOLE   0 0 2,636
SCWAB STRATEGIC TR US LRG CAP ETF 808524201 679 10,642 SH   SOLE   0 0 10,642
SCWAB STRATEGIC TR US LCAP GR ETF 808524300 263 3,721 SH   SOLE   0 0 3,721
SCWAB STRATEGIC TR US LCAP GR ETF 808524409 334 6,104 SH   SOLE   0 0 6,104
SCWAB STRATEGIC TR US MID-CAP ETF 808524508 414 7,779 SH   SOLE   0 0 7,779
SCWAB STRATEGIC TR US SML CAP ETF 808524607 257 3,690 SH   SOLE   0 0 3,690
SCWAB STRATEGIC TR EMRD MKTEQ ETF 808524706 133 4,755 SH   SOLE   0 0 4,755
SCWAB STRATEGIC TR INTL EQTY ETF 808524805 655 19,220 SH   SOLE   0 0 19,220
SCWAB STRATEGIC TR US AGGREGATE B 808524839 136 2,609 SH   SOLE   0 0 2,609
SCWAB STRATEGIC TR US REIT ETF 808524847 126 3,027 SH   SOLE   0 0 3,027
SCWAB STRATEGIC TR INTL SCEQT ETF 808524888 111 3,018 SH   SOLE   0 0 3,018
SNAP INC CL A 83304A106 0 5 SH   SOLE   0 0 5
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 6,005 75,914 SH   SOLE   0 0 75,914
VANGUARD INDEX FDS REIT ETF 922908553 407 4,903 SH   SOLE   0 0 4,903
WELLS FARGO CO NEW COM 949746101 133 2,184 SH   SOLE   0 0 2,184
WISDOMTREE TR EM LCL DEBT FD 97717X867 6,875 178,807 SH   SOLE   0 0 178,807
AON PLC SHS CL A G0408V102 3 23 SH   SOLE   0 0 23