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
ISHARES TR S&P SML 600 GWT 464287887 295 2,300 SH   SOLE 0 0 0 2,300
ISHARES TR CORE S&P500 ETF 464287200 4,614 11,597 SH   SOLE 0 0 0 11,597
ISHARES TR RUS 1000 GRW ETF 464287614 1,234 5,079 SH   SOLE 0 0 0 5,079
ISHARES TR CORE S&P US GWT 464287671 1,893 20,855 SH   SOLE 0 0 0 20,855
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 870 3,404 SH   SOLE 0 0 0 3,404
ABBOTT LABS COM 002824100 551 4,600 SH   SOLE 0 0 0 4,600
BEST BUY INC COM 086516101 287 2,500 SH   SOLE 0 0 0 2,500
BLACKROCK MUNIVEST FD INC COM 09253R105 271 29,158 SH   SOLE 0 0 0 29,158
QUALCOMM INC COM 747525103 350 2,636 SH   SOLE 0 0 0 2,636
DISNEY WALT CO COM 254687106 778 4,218 SH   SOLE 0 0 0 4,218
JOHNSON & JOHNSON COM 478160104 916 5,576 SH   SOLE 0 0 0 5,576
CHEVRON CORP NEW COM 166764100 1,023 9,767 SH   SOLE 0 0 0 9,767
MICROSOFT CORP COM 594918104 1,012 4,294 SH   SOLE 0 0 0 4,294
PEPSICO INC COM 713448108 359 2,540 SH   SOLE 0 0 0 2,540
SPDR SER TR PRTFLO S&P500 GW 78464A409 44,262 784,786 SH   SOLE 0 0 0 784,786
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 638 4,807 SH   SOLE 0 0 0 4,807
ISHARES INC MSCI TAIWAN ETF 46434G772 442 7,376 SH   SOLE 0 0 0 7,376
ISHARES INC MSCI BRAZIL ETF 464286400 306 9,139 SH   SOLE 0 0 0 9,139
ISHARES INC MSCI MEXICO ETF 464286822 276 6,286 SH   SOLE 0 0 0 6,286
ISHARES INC MSCI STH KOR ETF 464286772 570 6,355 SH   SOLE 0 0 0 6,355
BK OF AMERICA CORP COM 060505104 313 8,100 SH   SOLE 0 0 0 8,100
EXXON MOBIL CORP COM 30231G102 737 13,207 SH   SOLE 0 0 0 13,207
UNION PAC CORP COM 907818108 573 2,600 SH   SOLE 0 0 0 2,600
TEXAS INSTRS INC COM 882508104 302 1,600 SH   SOLE 0 0 0 1,600
TARGET CORP COM 87612E106 312 1,575 SH   SOLE 0 0 0 1,575
DANAHER CORPORATION COM 235851102 281 1,250 SH   SOLE 0 0 0 1,250
GOLDMAN SACHS GROUP INC COM 38141G104 491 1,500 SH   SOLE 0 0 0 1,500
MCDONALDS CORP COM 580135101 728 3,250 SH   SOLE 0 0 0 3,250
JPMORGAN CHASE & CO COM 46625H100 834 5,481 SH   SOLE 0 0 0 5,481
SOUTHWEST AIRLS CO COM 844741108 550 9,000 SH   SOLE 0 0 0 9,000
PIONEER NAT RES CO COM 723787107 397 2,500 SH   SOLE 0 0 0 2,500
COMCAST CORP NEW CL A 20030N101 225 4,150 SH   SOLE 0 0 0 4,150
CONOCOPHILLIPS COM 20825C104 294 5,550 SH   SOLE 0 0 0 5,550
APPLE INC COM 037833100 848 6,940 SH   SOLE 0 0 0 6,940
AMERICAN AIRLS GROUP INC COM 02376R102 480 20,092 SH   SOLE 0 0 0 20,092
BLACKROCK MUNIYIELD FD INC COM 09253W104 248 17,249 SH   SOLE 0 0 0 17,249
SPDR SER TR PRTFLO S&P500 VL 78464A508 3,319 87,562 SH   SOLE 0 0 0 87,562
ISHARES INC MSCI STH AFR ETF 464286780 437 8,859 SH   SOLE 0 0 0 8,859
AMERICAN EXPRESS CO COM 025816109 212 1,500 SH   SOLE 0 0 0 1,500
EASTMAN CHEM CO COM 277432100 330 3,000 SH   SOLE 0 0 0 3,000
EOG RES INC COM 26875P101 1,015 13,989 SH   SOLE 0 0 0 13,989
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,500 28,817 SH   SOLE 0 0 0 28,817
NETFLIX INC COM 64110L106 359 689 SH   SOLE 0 0 0 689
BNY MELLON MUN INCOME INC COM 05589T104 207 23,639 SH   SOLE 0 0 0 23,639
DWS MUN INCOME TR COM 233368109 231 19,792 SH   SOLE 0 0 0 19,792
DARDEN RESTAURANTS INC COM 237194105 568 4,000 SH   SOLE 0 0 0 4,000
UDR INC COM 902653104 441 10,050 SH   SOLE 0 0 0 10,050
ISHARES TR CHINA LG-CAP ETF 464287184 760 16,278 SH   SOLE 0 0 0 16,278
AMEDISYS INC COM 023436108 265 1,000 SH   SOLE 0 0 0 1,000
ALPHABET INC CAP STK CL A 02079K305 908 440 SH   SOLE 0 0 0 440
VANGUARD INDEX FDS VALUE ETF 922908744 9,439 71,800 SH   SOLE 0 0 0 71,800
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,887 29,510 SH   SOLE 0 0 0 29,510
PIMCO NEW YORK MUN INCOME FD COM 72201E105 99 10,125 SH   SOLE 0 0 0 10,125
EATON VANCE MUN BD FD COM 27827X101 164 12,299 SH   SOLE 0 0 0 12,299
MFS HIGH YIELD MUN TR SH BEN INT 59318E102 222 49,867 SH   SOLE 0 0 0 49,867
MFS MUN INCOME TR SH BEN INT 552738106 936 137,276 SH   SOLE 0 0 0 137,276
WESTERN ASSET MANAGED MUNS F COM 95766M105 1,623 124,964 SH   SOLE 0 0 0 124,964
VANGUARD INDEX FDS SML CP GRW ETF 922908595 5,315 19,351 SH   SOLE 0 0 0 19,351
BLACKROCK MUNIENHANCED FD IN COM 09253Y100 242 20,466 SH   SOLE 0 0 0 20,466
ISHARES GOLD TR ISHARES 464285105 301 18,494 SH   SOLE 0 0 0 18,494
WESTERN ASSET MUN PARTNERS F COM 95766P108 436 28,431 SH   SOLE 0 0 0 28,431
BLACKROCK LONG-TERM MUN ADVA COM 09250B103 238 18,802 SH   SOLE 0 0 0 18,802
PIMCO CALIF MUN INCOME FD II COM 72201C109 517 48,974 SH   SOLE 0 0 0 48,974
BLACKROCK MUNIYIELD CALIF QU COM 09254N103 400 27,127 SH   SOLE 0 0 0 27,127
PIMCO CALIF MUN INCOME FD II COM 72200M108 1,363 150,394 SH   SOLE 0 0 0 150,394
WESTERN ASSET INTER MUNI FD COM 958435109 352 37,883 SH   SOLE 0 0 0 37,883
NUVEEN N Y MUN VALUE FD INC COM 67062M105 129 13,166 SH   SOLE 0 0 0 13,166
PIMCO NEW YORK MUN FD II COM 72200Y102 117 10,360 SH   SOLE 0 0 0 10,360
SPDR SER TR NUVEEN BLMBRG SR 78468R739 1,074 21,680 SH   SOLE 0 0 0 21,680
BLACKROCK MUNIYILD QULT FD I COM 09254F100 687 43,230 SH   SOLE 0 0 0 43,230
NEUBERGER BRMAN CLIFRN MUNI COM 64123C101 532 39,381 SH   SOLE 0 0 0 39,381
MFS INVT GRADE MUN TR SH BEN INT 59318B108 279 28,457 SH   SOLE 0 0 0 28,457
NUVEEN CA QUALTY MUN INCOME COM 67066Y105 408 27,475 SH   SOLE 0 0 0 27,475
BLACKROCK MUNIYIELD INVT FD COM 09254R104 795 57,037 SH   SOLE 0 0 0 57,037
DWS STRATEGIC MUN INCOME TR COM 23342Q101 508 42,933 SH   SOLE 0 0 0 42,933
BLACKROCK MUNIHOLDINGS QUALI COM 09253N104 1,591 99,460 SH   SOLE 0 0 0 99,460
BLACKROCK MUNIYIELD N J FD I COM 09254Y109 379 26,150 SH   SOLE 0 0 0 26,150
PIMCO NEW YORK MUN INCOME FD COM 72200T103 518 43,211 SH   SOLE 0 0 0 43,211
NUVEEN CALIFORNIA AMT QLT MU COM 670651108 527 34,097 SH   SOLE 0 0 0 34,097
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 10,391 126,422 SH   SOLE 0 0 0 126,422
VANECK VECTORS ETF TR RUSSIA ETF 92189F403 395 15,293 SH   SOLE 0 0 0 15,293
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 2,468 25,146 SH   SOLE 0 0 0 25,146
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 915 9,050 SH   SOLE 0 0 0 9,050
ISHARES TR NATIONAL MUN ETF 464288414 12,351 106,430 SH   SOLE 0 0 0 106,430
SPDR SER TR NUVEEN BRC MUNIC 78468R721 1,212 23,458 SH   SOLE 0 0 0 23,458
ISHARES INC MSCI CHILE ETF 464286640 238 6,938 SH   SOLE 0 0 0 6,938
ISHARES TR ISHS 5-10YR INVT 464288638 6,362 107,420 SH   SOLE 0 0 0 107,420
VISA INC COM CL A 92826C839 712 3,364 SH   SOLE 0 0 0 3,364
VANECK VECTORS ETF TR INTRMDT MUNI ETF 92189H201 7,314 142,704 SH   SOLE 0 0 0 142,704
ISHARES INC MSCI THAILND ETF 464286624 262 3,185 SH   SOLE 0 0 0 3,185
ISHARES INC MSCI TURKEY ETF 464286715 239 10,408 SH   SOLE 0 0 0 10,408
ISHARES TR NEW YORK MUN ETF 464288323 424 7,355 SH   SOLE 0 0 0 7,355
DELAWARE INVTS COLO MUN INCO COM 246101109 144 10,214 SH   SOLE 0 0 0 10,214
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,604 26,761 SH   SOLE 0 0 0 26,761
ISHARES TR SHRT NAT MUN ETF 464288158 4,875 45,215 SH   SOLE 0 0 0 45,215
ISHARES TR MSCI PERU ETF 464289842 217 6,383 SH   SOLE 0 0 0 6,383
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 10,840 83,525 SH   SOLE 0 0 0 83,525
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 12,395 189,882 SH   SOLE 0 0 0 189,882
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 8,198 121,935 SH   SOLE 0 0 0 121,935
ISHARES TR MSCI POLAND ETF 46429B606 240 13,251 SH   SOLE 0 0 0 13,251
BLACKROCK TAX MUNICPAL BD TR SHS 09248X100 470 19,085 SH   SOLE 0 0 0 19,085
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 2,211 10,001 SH   SOLE 0 0 0 10,001
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 2,547 14,631 SH   SOLE 0 0 0 14,631
ISHARES TR MSCI EAFE MIN VL 46429B689 314 4,300 SH   SOLE 0 0 0 4,300
ISHARES INC MSCI GBL MIN VOL 464286525 12,695 128,671 SH   SOLE 0 0 0 128,671
ISHARES INC MSCI FRONTIER 464286145 226 7,676 SH   SOLE 0 0 0 7,676
GLOBAL X FDS MSCI GREECE ETF 37954Y319 215 8,134 SH   SOLE 0 0 0 8,134
ISHARES TR MSCI INDIA ETF 46429B598 287 6,801 SH   SOLE 0 0 0 6,801
ISHARES INC CORE MSCI EMKT 46434G103 34,534 536,570 SH   SOLE 0 0 0 536,570
ISHARES TR CORE 1 5 YR USD 46432F859 753 14,684 SH   SOLE 0 0 0 14,684
ISHARES TR MSCI USA MMENTM 46432F396 4,492 27,927 SH   SOLE 0 0 0 27,927
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 2,462 31,767 SH   SOLE 0 0 0 31,767
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,812 58,936 SH   SOLE 0 0 0 58,936
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 12,116 377,459 SH   SOLE 0 0 0 377,459
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 230 4,451 SH   SOLE 0 0 0 4,451
ISHARES TR MSCI USA QLT FCT 46432F339 8,687 71,337 SH   SOLE 0 0 0 71,337
DBX ETF TR XTRACK HRVST CSI 233051879 336 8,703 SH   SOLE 0 0 0 8,703
ISHARES TR MSCI INTL MOMENT 46434V449 3,580 95,207 SH   SOLE 0 0 0 95,207
ISHARES TR MSCI INTL QUALTY 46434V456 10,126 277,883 SH   SOLE 0 0 0 277,883
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 76,443 1,399,036 SH   SOLE 0 0 0 1,399,036
HEWLETT PACKARD ENTERPRISE C COM 42824C109 205 13,000 SH   SOLE 0 0 0 13,000
ISHARES TR CORE INTL AGGR 46435G672 8,020 146,192 SH   SOLE 0 0 0 146,192
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 14,888 227,466 SH   SOLE 0 0 0 227,466
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 16,566 200,006 SH   SOLE 0 0 0 200,006
RIVERNORTH OPPORTUNISTIC MUN COM 76883F108 365 16,629 SH   SOLE 0 0 0 16,629
RIVERNORTH MANAGED DUR MUN I COM 76882H105 1,171 62,955 SH   SOLE 0 0 0 62,955