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
ISHARES TR 1 3 YR TREAS BD 464287457 5,169 62,215 SH   SOLE   0 0 62,215
ISHARES TR 20 YR TR BD ETF 464287432 5,158 43,980 SH   SOLE   0 0 43,980
ISHARES TR BARCLAYS 7 10 YR 464287440 714 7,057 SH   SOLE   0 0 7,057
ISHARES TR CHINA LG-CAP ETF 464287184 21,379 499,278 SH   SOLE   0 0 499,278
ISHARES TR CONSER ALLOC ETF 464289883 5,075 148,434 SH   SOLE   0 0 148,434
ISHARES TR CORE MSCI EAFE 46432F842 1,716 26,777 SH   SOLE   0 0 26,777
ISHARES TR CORE S&P TTL STK 464287150 2,074 31,121 SH   SOLE   0 0 31,121
ISHARES TR CORE S&P500 ETF 464287200 2,085 7,122 SH   SOLE   0 0 7,122
ISHARES TR CORE US AGGBD ET 464287226 5,006 47,441 SH   SOLE   0 0 47,441
FIDELITY CORP BOND ETF 316188101 1,772 36,511 SH   SOLE   0 0 36,511
VANGUARD GROUP DIV APP ETF 921908844 37,121 335,330 SH   SOLE   0 0 335,330
ISHARES TR EAFE SML CP ETF 464288273 4,324 69,430 SH   SOLE   0 0 69,430
SPDR INDEX SHS FDS EURO STOXX 50 78463X202 629 16,435 SH   SOLE   0 0 16,435
ISHARES TR EUROPE ETF 464287861 1,669 37,038 SH   SOLE   0 0 37,038
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 633 21,767 SH   SOLE   0 0 21,767
FIRST TR EXCHANGE TRADED FD FIRST TR TA HIYL 33738D408 634 13,257 SH   SOLE   0 0 13,257
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 33,563 596,996 SH   SOLE   0 0 596,996
SPDR GOLD TRUST GOLD SHS 78463V107 4,700 41,681 SH   SOLE   0 0 41,681
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 5,047 57,946 SH   SOLE   0 0 57,946
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189F361 640 20,554 SH   SOLE   0 0 20,554
ISHARES TR IBOXX INV CP ETF 464287242 43,431 377,889 SH   SOLE   0 0 377,889
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 22,676 159,132 SH   SOLE   0 0 159,132
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 36,185 320,025 SH   SOLE   0 0 320,025
VANGUARD WORLD FD MEGA GRWTH IND 921910816 37,901 295,713 SH   SOLE   0 0 295,713
VANGUARD INDEX FDS MID CAP ETF 922908629 17,869 108,834 SH   SOLE   0 0 108,834
ISHARES TR MSCI ACWI EX US 464288240 16,741 351,048 SH   SOLE   0 0 351,048
ISHARES TR MSCI EMG MKT ETF 464287234 19,661 458,094 SH   SOLE   0 0 458,094
FIDELITY MSCI FINLS IDX 316092501 1,712 42,448 SH   SOLE   0 0 42,448
FIDELITY MSCI INFO TECH I 316092808 1,882 31,238 SH   SOLE   0 0 31,238
ISHARES INC MSCI JPN ETF NEW 46434G822 203 3,373 SH   SOLE   0 0 3,373
FIDELITY COMWLTH TR NDQ CP IDX TRK 315912808 1,886 5,976 SH   SOLE   0 0 5,976
ISHARES TR RUS 2000 GRW ETF 464287648 686 3,189 SH   SOLE   0 0 3,189
ISHARES TR RUS TOP 200 ETF 464289446 1,858 27,488 SH   SOLE   0 0 27,488
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 24,218 206,599 SH   SOLE   0 0 206,599
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 643 11,931 SH   SOLE   0 0 11,931
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 28,839 367,848 SH   SOLE   0 0 367,848
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 687 13,043 SH   SOLE   0 0 13,043
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 4,951 85,471 SH   SOLE   0 0 85,471
ISHARES TR SELECT DIVID ETF 464287168 666 6,677 SH   SOLE   0 0 6,677
ISHARES TR SHORT TREAS BD 464288679 1,379 12,490 SH   SOLE   0 0 12,490
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 4,543 60,303 SH   SOLE   0 0 60,303
ISHARES TR TIPS BD ETF 464287176 18,208 164,604 SH   SOLE   0 0 164,604
FIDELITY TOTAL BD ETF 316188309 1,766 36,332 SH   SOLE   0 0 36,332
SPDR S&P 500 ETF TR TR UNIT 78462F103 299 1,030 SH   SOLE   0 0 1,030
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 691 2,615 SH   SOLE   0 0 2,615
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 5,045 13,730 SH   SOLE   0 0 13,730