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 1,027 7,654 SH   SOLE   0 0 7,654
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 5,534 21,506 SH   SOLE   0 0 21,506
AMAZON COM INC COM 023135106 784 6,940 SH   SOLE   0 0 6,940
APPLE INC COM 037833100 1,754 12,694 SH   SOLE   0 0 12,694
CISCO SYS INC COM 17275R102 224 5,600 SH   SOLE   0 0 5,600
CVS HEALTH CORP COM 126650100 256 2,688 SH   SOLE   0 0 2,688
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 11,035 461,340 SH   SOLE   0 0 461,340
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 46,140 649,678 SH   SOLE   0 0 649,678
GOLDMAN SACHS GROUP INC COM 38141G104 403 1,374 SH   SOLE   0 0 1,374
HOME DEPOT INC COM 437076102 498 1,806 SH   SOLE   0 0 1,806
ISHARES GOLD TR ISHARES NEW 464285204 412 13,073 SH   SOLE   0 0 13,073
ISHARES TR CORE HIGH DV ETF 46429B663 288 3,150 SH   SOLE   0 0 3,150
ISHARES TR CORE S&P MCP ETF 464287507 8,221 37,494 SH   SOLE   0 0 37,494
ISHARES TR CORE S&P SCP ETF 464287804 776 8,900 SH   SOLE   0 0 8,900
ISHARES TR CORE S&P500 ETF 464287200 14,766 41,171 SH   SOLE   0 0 41,171
ISHARES TR MSCI INDIA ETF 46429B598 494 12,117 SH   SOLE   0 0 12,117
ISHARES TR RUS 1000 ETF 464287622 2,507 12,704 SH   SOLE   0 0 12,704
ISHARES TR RUS 1000 GRW ETF 464287614 720 3,421 SH   SOLE   0 0 3,421
ISHARES TR RUS 1000 VAL ETF 464287598 318 2,340 SH   SOLE   0 0 2,340
ISHARES TR RUSSELL 2000 ETF 464287655 1,207 7,316 SH   SOLE   0 0 7,316
ISHARES TR U.S. MED DVC ETF 464288810 396 8,400 SH   SOLE   0 0 8,400
ISHARES TR US HOME CONS ETF 464288752 436 8,372 SH   SOLE   0 0 8,372
JOHNSON & JOHNSON COM 478160104 566 3,462 SH   SOLE   0 0 3,462
LPL FINL HLDGS INC COM 50212V100 335 1,532 SH   SOLE   0 0 1,532
MICROSOFT CORP COM 594918104 1,267 5,441 SH   SOLE   0 0 5,441
ORACLE CORP COM 68389X105 336 5,505 SH   SOLE   0 0 5,505
PFIZER INC COM 717081103 478 10,915 SH   SOLE   0 0 10,915
PROCTER AND GAMBLE CO COM 742718109 201 1,593 SH   SOLE   0 0 1,593
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 27,877 990,998 SH   SOLE   0 0 990,998
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 20,161 474,157 SH   SOLE   0 0 474,157
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,255 29,631 SH   SOLE   0 0 29,631
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 4,464 36,856 SH   SOLE   0 0 36,856
SPDR SER TR PRTFLO S&P500 VL 78464A508 1,743 50,541 SH   SOLE   0 0 50,541
VANGUARD INDEX FDS LARGE CAP ETF 922908637 6,638 40,584 SH   SOLE   0 0 40,584
VANGUARD INDEX FDS MID CAP ETF 922908629 27,531 146,459 SH   SOLE   0 0 146,459
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 267 3,333 SH   SOLE   0 0 3,333
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 11,586 35,292 SH   SOLE   0 0 35,292
VANGUARD INDEX FDS SMALL CP ETF 922908751 439 2,571 SH   SOLE   0 0 2,571
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,571 43,048 SH   SOLE   0 0 43,048
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,671 19,762 SH   SOLE   0 0 19,762
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 26,132 718,704 SH   SOLE   0 0 718,704
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 214 956 SH   SOLE   0 0 956
VANGUARD WORLD FDS INF TECH ETF 92204A702 634 2,062 SH   SOLE   0 0 2,062
VENTAS INC COM 92276F100 205 5,096 SH   SOLE   0 0 5,096
WILLIS TOWERS WATSON PLC LTD SHS G96629103 309 1,539 SH   SOLE   0 0 1,539