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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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
AMAZON COM INC COM 023135106 4 3 SH   SOLE   0 0 3
APPLE INC COM 037833100 122 729 SH   SOLE   0 0 729
BANK AMER CORP COM 060505104 527 17,578 SH   SOLE   0 0 17,578
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 152 6,247 SH   SOLE   0 0 6,247
DBX ETF TR XTRAK MSCI EAFE 233051200 7,129 232,137 SH   SOLE   0 0 232,137
EXXON MOBIL CORP COM 30231G102 49 656 SH   SOLE   0 0 656
FIDELITY TOTAL BD ETF 316188309 22 439 SH   SOLE   0 0 436
HOME DEPOT INC COM 437076102 108 606 SH   SOLE   0 0 606
ISHARES MSCI FRNTR100ETF 464286145 0 12 SH   SOLE   0 0 12
ISHARES MIN VOL EMRG MKT 464286533 9,353 150,031 SH   SOLE   0 0 150,031
ISHARES TR TIPS BD ETF 464287176 6,379 56,428 SH   SOLE   0 0 56,428
ISHARES TR CORE S&P500 ETF 464287200 14,683 55,329 SH   SOLE   0 0 55,329
ISHARES TR CORE US AGGBD ET 464287226 13,965 130,213 SH   SOLE   0 0 130,213
ISHARES TR IBOXX INV CP ETF 464287242 93 791 SH   SOLE   0 0 791
ISHARES TR S&P 500 GRWT ETF 464287309 9,192 59,278 SH   SOLE   0 0 59,278
ISHARES TR S&P 500 VAL ETF 464287408 9,278 84,852 SH   SOLE   0 0 84,852
ISHARES TR 20 YR TR BD ETF 464287432 4,411 36,182 SH   SOLE   0 0 36,182
ISHARES TR CORE S&P MCP ETF 464287507 17,659 94,144 SH   SOLE   0 0 94,144
ISHARES TR RUS 2000 VAL ETF 464287630 2,210 18,128 SH   SOLE   0 0 18,128
ISHARES TR RUS 2000 GRW ETF 464287648 2,226 11,682 SH   SOLE   0 0 11,682
ISHARES TR U.S REAL ES ETF 464287739 5,684 75,318 SH   SOLE   0 0 75,318
ISHARES TR CORE S&P SCP ETF 464287804 3,914 50,822 SH   SOLE   0 0 50,822
ISHARES TR CORE SMC600VL ETF 464287879 549 3,638 SH   SOLE   0 0 3,638
ISHARES TR SP SMCP600GR ETF 464287887 439 2,523 SH   SOLE   0 0 2,523
ISHARES TR INTL TREA BD ETF 464288117 768 14,890 SH   SOLE   0 0 14,890
ISHARES TR MSCI ACWI EX US 464288240 334 6,728 SH   SOLE   0 0 6,728
ISHARES TR MSCI ACWI ETF 464288257 9 123 SH   SOLE   0 0 123
ISHARES TR EAFE SML CP ETF 464288273 20 307 SH   SOLE   0 0 307
ISHARES TR JP MOR EM MK ETF 464288281 841 7,458 SH   SOLE   0 0 7,458
ISHARES TR IBOXX HI YD ETF 464288513 12,127 141,603 SH   SOLE   0 0 141,603
ISHARES TR CORE HIGH DV ETF 46429B663 20 237 SH   SOLE   0 0 237
ISHARES TR CORE MSCI TOTAL 46432F834 165 2,610 SH   SOLE   0 0 2,610
ISHARES TR CORES MSCI EAFE 46432F842 12,012 182,326 SH   SOLE   0 0 182,326
ISHARES TR CORE ST USDB ETF 46432F859 678 13,730 SH   SOLE   0 0 13,730
ISHARES INC CORE MSCI EMKT 46434G103 40 692 SH   SOLE   0 0 692
ISHARES TR CORE DIV GRWTH 46434V621 20 590 SH   SOLE   0 0 590
JOHNSON & JOHNSON COM 478160104 68 534 SH   SOLE   0 0 534
LILLY ELI & CO COM 532457108 251 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 376 3,761 SH   SOLE   0 0 3,761
PIMCO EFT TR 0-5 HIGH YIELD 72201R783 223 2,233 SH   SOLE   0 0 2,233
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 119 2,533 SH   SOLE   0 0 2,533
PROCTOR AND GAMBLE CO COM 742718109 71 896 SH   SOLE   0 0 896
RYDER SYS INC COM 783549108 192 2,636 SH   SOLE   0 0 2,636
SCWAB STRATEGIC TR US LRG CAP ETF 808524201 669 10,601 SH   SOLE   0 0 10,601
SCWAB STRATEGIC TR US LCAP GR ETF 808524300 265 3,697 SH   SOLE   0 0 3,697
SCWAB STRATEGIC TR US LCAP GR ETF 808524409 320 6,058 SH   SOLE   0 0 6,058
SCWAB STRATEGIC TR US MID-CAP ETF 808524508 410 7,755 SH   SOLE   0 0 7,755
SCWAB STRATEGIC TR US SML CAP ETF 808524607 255 3,690 SH   SOLE   0 0 3,690
SCWAB STRATEGIC TR EMRD MKTEQ ETF 808524706 136 4,735 SH   SOLE   0 0 4,735
SCWAB STRATEGIC TR INTL EQTY ETF 808524805 646 19,152 SH   SOLE   0 0 19,152
SCWAB STRATEGIC TR US AGGREGATE B 808524839 105 2,057 SH   SOLE   0 0 2,057
SCWAB STRATEGIC TR US REIT ETF 808524847 114 2,974 SH   SOLE   0 0 2,974
SCWAB STRATEGIC TR INTL SCEQT ETF 808524888 110 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 5,910 75,339 SH   SOLE   0 0 75,339
VANGUARD INDEX FDS REIT ETF 922908553 187 2,478 SH   SOLE   0 0 2,478
WELLS FARGO CO NEW COM 949746101 114 2,184 SH   SOLE   0 0 2,184
WISDOMTREE TR EM LCL DEBT FD 97717X867 6,967 177,267 SH   SOLE   0 0 177,267
WORDPAY INC CL A 981558109 94 1,138 SH   SOLE   0 0 1,138