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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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
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB 46138J502 2,845 133,705 SH   SOLE   133,705 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 3,218 150,589 SH   SOLE   150,589 0 0
ISHARES INC MIN VOL GBL ETF 464286525 14,214 162,303 SH Call SOLE   162,303 0 0
ISHARES TR CORE S&P TTL STK 464287150 53,944 776,838 SH Call SOLE   776,838 0 0
ISHARES TR CORE US AGGBD ET 464287226 136,149 1,151,752 SH Call SOLE   1,151,752 0 0
ISHARES TR INTRM GOV CR ETF 464288612 24,388 207,167 SH Call SOLE   207,167 0 0
ISHARES TR INTRM TR CRP ETF 464288638 143,847 2,382,363 SH Call SOLE   2,382,363 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 6,084 92,104 SH Call SOLE   92,104 0 0
ISHARES TR MSCI MIN VOL ETF 46429B697 17,385 286,735 SH Call SOLE   286,735 0 0
ISHARES TR USA QUALITY FCTR 46432F339 19,558 203,902 SH Call SOLE   203,902 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 150,382 2,758,284 SH Call SOLE   2,758,284 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 101,679 2,067,911 SH Call SOLE   2,067,911 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 850,568 5,433,893 SH Call SOLE   5,433,893 0 0
ISHARES TR JPMORGAN USD EMG 464288281 94,633 866,440 SH Call SOLE   866,440 0 0
ISHARES TR NATIONAL MUN ETF 464288414 199,676 1,730,294 SH Call SOLE   1,730,294 0 0
SPDR SER TR BLMBRG BRC CNVRT 78464A359 214,988 3,553,519 SH Call SOLE   3,553,519 0 0
ISHARES TR IBOXX HI YD ETF 464288513 58,862 721,176 SH Call SOLE   721,176 0 0
ISHARES TR RUS MID CAP ETF 464287499 6,942 129,519 SH Call SOLE   129,519 0 0
ISHARES TR MSCI USA ESG SLC 464288802 1 9 SH Call SOLE   9 0 0