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
ABBVIE INC COM 00287Y109 802 7,433 SH   SOLE   0 0 7,433
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 6,932 21,668 SH   SOLE   0 0 21,668
ALPHABET INC CAP STK CL A 02079K305 508 190 SH   SOLE   0 0 190
ALPHABET INC CAP STK CL C 02079K107 304 114 SH   SOLE   0 0 114
AMAZON COM INC COM 023135106 1,137 346 SH   SOLE   0 0 346
APPLE INC COM 037833100 1,837 12,982 SH   SOLE   0 0 12,982
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 250 915 SH   SOLE   0 0 915
BROADCOM INC COM 11135F101 243 500 SH   SOLE   0 0 500
CISCO SYS INC COM 17275R102 406 7,467 SH   SOLE   0 0 7,467
CVS HEALTH CORP COM 126650100 312 3,671 SH   SOLE   0 0 3,671
DISNEY WALT CO COM 254687106 401 2,372 SH   SOLE   0 0 2,372
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 12,721 418,467 SH   SOLE   0 0 418,467
FIRST TRUST LRGCP GWT ALPHAD COM SHS 33735K108 546 4,918 SH   SOLE   0 0 4,918
FLEXSHARES TR QUALT DIVD IDX 33939L860 1,113 19,994 SH   SOLE   0 0 19,994
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 362 9,749 SH   SOLE   0 0 9,749
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 885 25,904 SH   SOLE   0 0 25,904
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 52,241 607,245 SH   SOLE   0 0 607,245
GOLDMAN SACHS GROUP INC COM 38141G104 722 1,911 SH   SOLE   0 0 1,911
HOME DEPOT INC COM 437076102 531 1,617 SH   SOLE   0 0 1,617
ISHARES GOLD TR ISHARES NEW 464285204 437 13,073 SH   SOLE   0 0 13,073
ISHARES TR CORE S&P MCP ETF 464287507 9,069 34,472 SH   SOLE   0 0 34,472
ISHARES TR CORE S&P SCP ETF 464287804 1,098 10,053 SH   SOLE   0 0 10,053
ISHARES TR CORE S&P500 ETF 464287200 17,936 41,633 SH   SOLE   0 0 41,633
ISHARES TR MSCI INDIA ETF 46429B598 590 12,117 SH   SOLE   0 0 12,117
ISHARES TR MSCI INTL MULTFT 46434V274 588 20,258 SH   SOLE   0 0 20,258
ISHARES TR NATIONAL MUN ETF 464288414 316 2,721 SH   SOLE   0 0 2,721
ISHARES TR RUS 1000 ETF 464287622 3,043 12,590 SH   SOLE   0 0 12,590
ISHARES TR RUS 1000 GRW ETF 464287614 481 1,756 SH   SOLE   0 0 1,756
ISHARES TR RUSSELL 2000 ETF 464287655 1,282 5,863 SH   SOLE   0 0 5,863
ISHARES TR S&P 500 GRWT ETF 464287309 927 12,548 SH   SOLE   0 0 12,548
ISHARES TR U.S. MED DVC ETF 464288810 527 8,400 SH   SOLE   0 0 8,400
ISHARES TR US HOME CONS ETF 464288752 554 8,372 SH   SOLE   0 0 8,372
JOHNSON & JOHNSON COM 478160104 561 3,476 SH   SOLE   0 0 3,476
KRAFT HEINZ CO COM 500754106 323 8,770 SH   SOLE   0 0 8,770
LPL FINL HLDGS INC COM 50212V100 240 1,532 SH   SOLE   0 0 1,532
MICROSOFT CORP COM 594918104 1,341 4,756 SH   SOLE   0 0 4,756
NIKE INC CL B 654106103 229 1,575 SH   SOLE   0 0 1,575
ORACLE CORP COM 68389X105 477 5,480 SH   SOLE   0 0 5,480
PFIZER INC COM 717081103 465 10,814 SH   SOLE   0 0 10,814
PROCTER AND GAMBLE CO COM 742718109 226 1,618 SH   SOLE   0 0 1,618
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 31,870 823,501 SH   SOLE   0 0 823,501
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 23,077 438,059 SH   SOLE   0 0 438,059
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,518 14,595 SH   SOLE   0 0 14,595
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 5,278 41,463 SH   SOLE   0 0 41,463
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 270 1,808 SH   SOLE   0 0 1,808
SPDR SER TR PRTFLO S&P500 VL 78464A508 2,364 60,627 SH   SOLE   0 0 60,627
STRYKER CORPORATION COM 863667101 360 1,367 SH   SOLE   0 0 1,367
VANGUARD INDEX FDS GROWTH ETF 922908736 203 700 SH   SOLE   0 0 700
VANGUARD INDEX FDS LARGE CAP ETF 922908637 8,313 41,374 SH   SOLE   0 0 41,374
VANGUARD INDEX FDS MID CAP ETF 922908629 33,809 142,799 SH   SOLE   0 0 142,799
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 315 3,098 SH   SOLE   0 0 3,098
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 13,529 34,302 SH   SOLE   0 0 34,302
VANGUARD INDEX FDS SMALL CP ETF 922908751 653 2,985 SH   SOLE   0 0 2,985
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 561 9,200 SH   SOLE   0 0 9,200
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,460 49,199 SH   SOLE   0 0 49,199
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,066 19,961 SH   SOLE   0 0 19,961
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 32,585 645,366 SH   SOLE   0 0 645,366
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 234 947 SH   SOLE   0 0 947
VANGUARD WORLD FDS INF TECH ETF 92204A702 789 1,965 SH   SOLE   0 0 1,965
VENTAS INC COM 92276F100 281 5,096 SH   SOLE   0 0 5,096
WILLIS TOWERS WATSON PLC LTD SHS G96629103 358 1,538 SH   SOLE   0 0 1,538