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
ISHARES TR NATIONAL MUN ETF 464288414 142,603 1,251,891 SH   SOLE   1,237,481 0 14,410
ISHARES INC CORE MSCI EMKT 46434G103 39,947 743,071 SH   SOLE   731,062 0 12,009
ISHARES TR US TREAS BD ETF 46429B267 32,316 1,245,812 SH   SOLE   1,221,027 0 24,785
ISHARES TR SHRT NAT MUN ETF 464288158 29,508 276,340 SH   SOLE   271,847 0 4,493
ISHARES TR CORE S&P500 ETF 464287200 22,574 69,837 SH   SOLE   68,681 0 1,156
ISHARES TR USA QUALITY FCTR 46432F339 8,729 86,431 SH   SOLE   85,185 0 1,246
ISHARES TR EDGE MSCI USA VL 46432F388 8,629 96,167 SH   SOLE   94,593 0 1,574
ISHARES TR CORE 1 5 YR USD 46432F859 8,188 162,453 SH   SOLE   152,287 0 10,166
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,259 245,570 SH   SOLE   241,848 0 3,722
WISDOMTREE TR US MIDCAP FUND 97717W570 6,952 158,349 SH   SOLE   162,420 0 2,746
VANGUARD WORLD FD ESG US STK ETF 921910733 6,570 116,131 SH   SOLE   115,413 0 718
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,504 84,671 SH   SOLE   84,671 0 0
ISHARES TR MULTIFACTOR INTL 46434V274 5,041 186,349 SH   SOLE   183,363 0 2,986
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 5,016 31,590 SH   SOLE   31,093 0 497
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 4,951 32,541 SH   SOLE   32,003 0 538
VANGUARD WORLD FD ESG INTL STK ETF 921910725 4,269 79,849 SH   SOLE   79,376 0 473
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,660 133,709 SH   SOLE   131,523 0 2,186
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,023 67,974 SH   SOLE   67,974 0 0
ISHARES TR CORE US AGGBD ET 464287226 3,019 26,869 SH   SOLE   22,899 0 3,970
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,447 18,821 SH   SOLE   17,262 0 1,559
SPDR SERIES TRUST BLOMBERG BRC INV 78468R200 1,131 36,815 SH   SOLE   36,815 0 0
MICROSOFT CORP COM 594918104 1,025 6,499 SH   SOLE   6,499 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 993 22,545 SH   SOLE   22,545 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 953 5,232 SH   SOLE   5,232 0 0
APPLE INC COM 037833100 741 2,525 SH   SOLE   2,525 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 609 1,623 SH   SOLE   1,623 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 546 3,824 SH   SOLE   3,824 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 488 2,982 SH   SOLE   2,982 0 0
ISHARES TR MSCI EAFE ETF 464287465 461 6,642 SH   SOLE   6,642 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 424 1,432 SH   SOLE   1,325 0 107
ISHARES TR CORE S&P SCP ETF 464287804 374 4,458 SH   SOLE   4,458 0 0
VANGUARD GROUP DIV APP ETF 921908844 367 2,942 SH   SOLE   2,942 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 351 2,575 SH   SOLE   2,575 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 331 1,879 SH   SOLE   1,879 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 324 5,329 SH   SOLE   2,448 0 2,881
FIRSTSERVICE CORP NEW COM 33767E202 307 3,290 SH   SOLE   3,290 0 0
ISHARES TR RUS MID CAP ETF 464287499 294 4,927 SH   SOLE   4,927 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 276 1,665 SH   SOLE   1,665 0 0
JPMORGAN CHASE & CO COM 46625H100 266 1,907 SH   SOLE   1,907 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 260 2,779 SH   SOLE   2,779 0 0
MASTERCARD INC CL A 57636Q104 239 801 SH   SOLE   801 0 0
AMAZON COM INC COM 023135106 237 128 SH   SOLE   128 0 0
PEPSICO INC COM 713448108 236 1,729 SH   SOLE   1,729 0 0
ROYAL BK CDA MONTREAL QUE COM 780087102 233 2,940 SH   SOLE   2,940 0 0
ECOLAB INC COM 278865100 232 1,200 SH   SOLE   1,200 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 229 4,291 SH   SOLE   0 0 4,291
UNITEDHEALTH GROUP INC COM 91324P102 221 752 SH   SOLE   752 0 0
JOHNSON & JOHNSON COM 478160104 211 1,444 SH   SOLE   1,444 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 208 1,168 SH   SOLE   1,168 0 0
FACEBOOK INC CL A 30303M102 205 1,000 SH   SOLE   1,000 0 0
FORD MTR CO DEL COM 345370860 102 11,000 SH   SOLE   11,000 0 0