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 1,164 7,597 SH   SOLE   0 0 7,597
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 5,971 21,506 SH   SOLE   0 0 21,506
AMAZON COM INC COM 023135106 737 6,940 SH   SOLE   0 0 6,940
APPLE INC COM 037833100 1,471 10,758 SH   SOLE   0 0 10,758
CISCO SYS INC COM 17275R102 252 5,905 SH   SOLE   0 0 5,905
CVS HEALTH CORP COM 126650100 248 2,674 SH   SOLE   0 0 2,674
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 12,532 461,431 SH   SOLE   0 0 461,431
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 48,483 646,964 SH   SOLE   0 0 646,964
GOLDMAN SACHS GROUP INC COM 38141G104 408 1,374 SH   SOLE   0 0 1,374
HOME DEPOT INC COM 437076102 431 1,573 SH   SOLE   0 0 1,573
ISHARES GOLD TR ISHARES NEW 464285204 449 13,073 SH   SOLE   0 0 13,073
ISHARES TR CORE S&P MCP ETF 464287507 8,323 36,790 SH   SOLE   0 0 36,790
ISHARES TR CORE S&P SCP ETF 464287804 922 9,979 SH   SOLE   0 0 9,979
ISHARES TR CORE S&P500 ETF 464287200 15,634 41,234 SH   SOLE   0 0 41,234
ISHARES TR MSCI INDIA ETF 46429B598 477 12,117 SH   SOLE   0 0 12,117
ISHARES TR RUS 1000 ETF 464287622 2,639 12,704 SH   SOLE   0 0 12,704
ISHARES TR RUS 1000 GRW ETF 464287614 384 1,756 SH   SOLE   0 0 1,756
ISHARES TR RUSSELL 2000 ETF 464287655 1,164 6,871 SH   SOLE   0 0 6,871
ISHARES TR U.S. MED DVC ETF 464288810 424 8,400 SH   SOLE   0 0 8,400
ISHARES TR US HOME CONS ETF 464288752 440 8,372 SH   SOLE   0 0 8,372
JOHNSON & JOHNSON COM 478160104 611 3,444 SH   SOLE   0 0 3,444
JPMORGAN CHASE & CO COM 46625H100 211 1,876 SH   SOLE   0 0 1,876
LPL FINL HLDGS INC COM 50212V100 283 1,532 SH   SOLE   0 0 1,532
MICROSOFT CORP COM 594918104 1,163 4,530 SH   SOLE   0 0 4,530
ORACLE CORP COM 68389X105 384 5,494 SH   SOLE   0 0 5,494
PFIZER INC COM 717081103 569 10,851 SH   SOLE   0 0 10,851
PROCTER AND GAMBLE CO COM 742718109 228 1,583 SH   SOLE   0 0 1,583
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 28,209 896,934 SH   SOLE   0 0 896,934
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 21,096 466,214 SH   SOLE   0 0 466,214
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,318 29,503 SH   SOLE   0 0 29,503
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 4,713 36,750 SH   SOLE   0 0 36,750
SPDR SER TR PRTFLO S&P500 VL 78464A508 1,879 51,042 SH   SOLE   0 0 51,042
VANGUARD INDEX FDS LARGE CAP ETF 922908637 7,010 40,672 SH   SOLE   0 0 40,672
VANGUARD INDEX FDS MID CAP ETF 922908629 28,474 144,559 SH   SOLE   0 0 144,559
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 301 3,299 SH   SOLE   0 0 3,299
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 12,214 35,211 SH   SOLE   0 0 35,211
VANGUARD INDEX FDS SMALL CP ETF 922908751 453 2,571 SH   SOLE   0 0 2,571
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,102 50,476 SH   SOLE   0 0 50,476
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,825 19,692 SH   SOLE   0 0 19,692
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 30,359 744,087 SH   SOLE   0 0 744,087
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 225 956 SH   SOLE   0 0 956
VANGUARD WORLD FDS INF TECH ETF 92204A702 673 2,062 SH   SOLE   0 0 2,062
VENTAS INC COM 92276F100 262 5,096 SH   SOLE   0 0 5,096
WILLIS TOWERS WATSON PLC LTD SHS G96629103 304 1,539 SH   SOLE   0 0 1,539