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
3M Company Common Stock Common 88579Y101 210 1,275 SH   SOLE 1,275 0 0
Aberdeen Std Gold ETF TR Physical Swiss Gold Shares Common 26922Y105 390 2,750 SH   SOLE 2,750 0 0
Advisors Asset Managemnt Common 00774X275 128 12,261 SH   SOLE 12,261 0 0
Alibaba Group Holding F Sponsored Adr Common 01609W102 242 1,449 SH   SOLE 1,449 0 0
Alphabet Inc. Class A Common 02079K305 600 491 SH   SOLE 491 0 0
Amazon.com Inc. Common 023135106 1,052 606 SH   SOLE 606 0 0
Amgen Inc. Common 031162100 290 1,500 SH   SOLE 1,500 0 0
Annaly Capital Mgmt Reit Common 035710409 317 36,055 SH   SOLE 36,055 0 0
Apple Inc. Common 037833100 4,518 20,171 SH   SOLE 20,171 0 0
Arista Networks Inc Common 040413106 1,027 4,300 SH   SOLE 4,300 0 0
Bayer Ag F Sponsored Adr Common 072730302 570 32,200 SH   SOLE 32,200 0 0
Berkshire Hathaway Inc. New Com Common 084670702 758 3,646 SH   SOLE 3,646 0 0
Brit Amer Tobacco F Sponsored Adr Common 110448107 295 8,000 SH   SOLE 8,000 0 0
Caterpillar Inc. Common Stock Common 149123101 467 3,700 SH   SOLE 3,700 0 0
Cisco Systems Inc. Common 17275R102 758 15,332 SH   SOLE 15,332 0 0
Edwards Lifesciences Common 28176E108 361 1,641 SH   SOLE 1,641 0 0
Exxon Mobil Corp Common 30231G102 283 4,013 SH   SOLE 4,013 0 0
Fiat Chrysler Automobiles N V Sh Common N31738102 142 11,000 SH   SOLE 11,000 0 0
Flexshares Upstream Natural Idx Etf Common 33939L407 416 13,350 SH   SOLE 13,350 0 0
Goldman Sachs Active Beta US Large Cap Common 381430503 810 13,529 SH   SOLE 13,529 0 0
Guggenheim S&P 500 Equal Weight Common 78355W106 1,554 14,376 SH   SOLE 14,376 0 0
Honeywell Intl Inc Common 438516106 269 1,588 SH   SOLE 1,588 0 0
Intel Corporation Common 458140100 381 7,403 SH   SOLE 7,403 0 0
Invesco Qqq Trust Common 73935A104 3,239 17,153 SH   SOLE 17,153 0 0
iShares Cohen & Steers REIT ETF Common 464287564 1,218 10,150 SH   SOLE 10,150 0 0
Ishares Core Msci Emerging Etf Common 46434G103 284 5,784 SH   SOLE 5,784 0 0
iShares Core MSCI Total Intl Stk Common 46432F834 2,739 47,416 SH   SOLE 47,416 0 0
Ishares Core Us Growth Etf Common 464287671 2,307 36,696 SH   SOLE 36,696 0 0
iShares Edge MSCI USA Quality F Common 46432F339 1,163 12,582 SH   SOLE 12,582 0 0
Ishares Esg Msci Eafe Etf Common 46435G516 306 4,775 SH   SOLE 4,775 0 0
Ishares Esg Msci Em Etf Common 46434G863 1,467 45,110 SH   SOLE 45,110 0 0
iShares Europe ETF Common 464287861 311 7,180 SH   SOLE 7,180 0 0
Ishares Global Clean Energy Etf Iv Common 464288224 137 12,530 SH   SOLE 12,530 0 0
iShares Global Healthcare ETF Common 464287325 1,460 23,907 SH   SOLE 23,907 0 0
ishares Gold Trust Common 464285105 5,160 365,964 SH   SOLE 365,964 0 0
iShares iBoxx $ Investment Grad Common 464287242 1,233 9,674 SH   SOLE 9,674 0 0
Ishares Iboxx High Yield Bond Etf Common 464288513 398 4,571 SH   SOLE 4,571 0 0
iShares J.P. Morgan USD Emergin Common 464288281 1,457 12,858 SH   SOLE 12,858 0 0
iShares KLD 400 Social Index Common 464288570 309 2,785 SH   SOLE 2,785 0 0
iShares MSCI EAFE Growth ETF Common 464288885 407 5,060 SH   SOLE 5,060 0 0
iShares MSCI Emerging Index Fun Common 464287234 516 12,634 SH   SOLE 12,634 0 0
iShares MSCI Germany Index Fund Common 464286806 259 9,625 SH   SOLE 9,625 0 0
Ishares MSCI Global Gold Miners EFT Common 46434G855 428 19,880 SH   SOLE 19,880 0 0
iShares Nasdaq Biotechnology In Common 464287556 1,359 13,658 SH   SOLE 13,658 0 0
Ishares National Muni Bond Etf Common 464288414 2,507 21,975 SH   SOLE 21,975 0 0
Ishares Preferred Income Sec Etf Common 464288687 460 12,247 SH   SOLE 12,247 0 0
iShares Russell 1000 Growth ETF Common 464287614 5,645 35,365 SH   SOLE 35,365 0 0
Ishares Russell Mid Cap Growth Etf Common 464287481 218 1,545 SH   SOLE 1,545 0 0
iShares S&P 500 Value ETF Common 464287408 804 6,752 SH   SOLE 6,752 0 0
ISHARES S&P GSTI TECHNOLOGY I (IGM Common 464287549 5,082 23,417 SH   SOLE 23,417 0 0
iShares S&P SmallCap 600 Growth Common 464287887 1,964 11,012 SH   SOLE 11,012 0 0
iShares Select Dividend ETF Common 464287168 8,526 83,625 SH   SOLE 83,625 0 0
Ishares Short Maturity Bond Etf Common 46431W507 519 10,300 SH   SOLE 10,300 0 0
Ishares Short Term Ntnl Mun Bnd Etf Common 464288158 1,012 9,500 SH   SOLE 9,500 0 0
Ishares Short Treasury Bond Etf Common 464288679 5,476 49,500 SH   SOLE 49,500 0 0
iShares TIPS Bond ETF Common 464287176 271 2,329 SH   SOLE 2,329 0 0
iShares Treasury Floating Rate Bond ETF Common 46434V860 392 7,790 SH   SOLE 7,790 0 0
Ishares Ultra Short Term Bond Etf Common 46434V878 548 10,878 SH   SOLE 10,878 0 0
Ishr Edg Msci Min Vol Emg Mkt Etf Common 464286533 996 17,445 SH   SOLE 17,445 0 0
Johnson & Johnson Common Stock Common 478160104 1,181 9,125 SH   SOLE 9,125 0 0
Lockheed Martin Corp Common 539830109 292 748 SH   SOLE 748 0 0
Medtronic plc. Ordinary Shares Common G5960L103 294 2,705 SH   SOLE 2,705 0 0
Microsoft Corporation Common 594918104 726 5,221 SH   SOLE 5,221 0 0
Nestle S A F Sponsored Adr Common 641069406 287 2,650 SH   SOLE 2,650 0 0
Nestle Sa Ordf Common H57312649 658 6,065 SH   SOLE 6,065 0 0
Oracle Corporation Common Stock Common 68389X105 415 7,550 SH   SOLE 7,550 0 0
Pepsico Inc. Common Stock Common 713448108 320 2,335 SH   SOLE 2,335 0 0
Pfizer Inc. Common Stock Common 717081103 496 13,797 SH   SOLE 13,797 0 0
Philip Morris International Inc Common 718172109 710 9,350 SH   SOLE 9,350 0 0
PIMCO Active Bond ETF Common 72201R775 317 2,915 SH   SOLE 2,915 0 0
Pimco Enhanced Shrt Maturty Actv Etf Common 72201R833 777 7,640 SH   SOLE 7,640 0 0
PowerShares DB Optm Yd Dvrs Cdty Srt ETF (PDBC) No K-1 Common 73937V106 486 31,093 SH   SOLE 31,093 0 0
Powershares Momentum Factor Common 46432F396 2,619 21,959 SH   SOLE 21,959 0 0
Procter & Gamble Company Common 742718109 588 4,727 SH   SOLE 4,727 0 0
Royal Dutch Shell Plc Sponsored Adr Resptg A Shs Common 780259206 221 3,750 SH   SOLE 3,750 0 0
Schwab International Equity Etf Common 808524805 448 14,054 SH   SOLE 14,054 0 0
Schwab Internatnal Small Cap Eqy Etf Common 808524888 373 11,732 SH   SOLE 11,732 0 0
Schwab Short Term Us Treasury Etf Common 808524862 282 5,575 SH   SOLE 5,575 0 0
Schwab Us Tips Etf Common 808524870 2,598 45,767 SH   SOLE 45,767 0 0
Southern Co Common 842587107 437 7,074 SH   SOLE 7,074 0 0
SPDR Bloomberg Barclays High Yi Common 78464A417 340 3,123 SH   SOLE 3,123 0 0
SPDR Gold Shares (GLD) Common 78463V107 811 5,843 SH   SOLE 5,843 0 0
SPDR Nuveen S&P High Yield Muni Bd ETF Common 78464A284 267 4,500 SH   SOLE 4,500 0 0
SPDR S&P 500 Common 78462F103 1,488 5,016 SH   SOLE 5,016 0 0
Spyder Global Natural Resources Common 78463X541 638 14,820 SH   SOLE 14,820 0 0
Unitedhealth Grp Inc Common 91324P102 203 934 SH   SOLE 934 0 0
Vaneck Vectors Amt-free Short Municipal Index Common 92189F528 239 13,500 SH   SOLE 13,500 0 0
VanEck Vectors Gold Miners ETF Common 92189F106 789 29,546 SH   SOLE 29,546 0 0
Vanguard Dividend Appreciation ETF Common 921908844 5,478 45,814 SH   SOLE 45,814 0 0
Vanguard Emerging Markets Bond Index Common 921946885 255 3,165 SH   SOLE 3,165 0 0
Vanguard Esg International Stock Etf Common 921910725 211 4,280 SH   SOLE 4,280 0 0
Vanguard Esg U.S. Stock Etf Common 921910733 528 10,170 SH   SOLE 10,170 0 0
Vanguard Ftse All World Ex Us Etf Common 922042775 739 14,810 SH   SOLE 14,810 0 0
Vanguard FTSE Developed Markets ETF Common 921943858 1,671 40,680 SH   SOLE 40,680 0 0
Vanguard Ftse Emerging Markets Etf Common 922042858 5,229 129,879 SH   SOLE 129,879 0 0
Vanguard Ftse Europe Etf Common 922042874 1,010 18,844 SH   SOLE 18,844 0 0
Vanguard Ftse Pacific Etf Common 922042866 523 7,912 SH   SOLE 7,912 0 0
Vanguard Glbal Ex Us Real Estate Etf Common 922042676 275 4,700 SH   SOLE 4,700 0 0
Vanguard Growth Etf Common 922908736 23,771 142,958 SH   SOLE 142,958 0 0
Vanguard Health Care Etf Common 92204A504 2,150 12,824 SH   SOLE 12,824 0 0
Vanguard High Dividend Yield Indx ETF Common 921946406 15,653 176,409 SH   SOLE 176,409 0 0
Vanguard Information Technology ETF Common 92204A702 4,518 20,961 SH   SOLE 20,961 0 0
Vanguard Intermediate Term Bond Etf Common 921937819 3,414 38,798 SH   SOLE 38,798 0 0
Vanguard Interm-Tm Corp Bd Idx ETF Common 92206C870 8,456 92,683 SH   SOLE 92,683 0 0
Vanguard Long Term Bond Etf Common 921937793 2,157 21,010 SH   SOLE 21,010 0 0
Vanguard Long-Term Corp Bond Idx ETF Common 92206C813 8,378 82,840 SH   SOLE 82,840 0 0
Vanguard Materials Etf Common 92204A801 461 3,647 SH   SOLE 3,647 0 0
Vanguard Mega Cap Growth Etf Common 921910816 503 3,795 SH   SOLE 3,795 0 0
Vanguard Mid-Cap ETF Common 922908629 774 4,619 SH   SOLE 4,619 0 0
Vanguard Mid-Cap Growth ETF - D Common 922908538 2,356 15,904 SH   SOLE 15,904 0 0
Vanguard Mid-Cap Value ETF Common 922908512 3,208 28,388 SH   SOLE 28,388 0 0
Vanguard Real Estate Etf Common 922908553 3,047 32,673 SH   SOLE 32,673 0 0
Vanguard S&p 500 Etf Common 922908363 2,824 10,358 SH   SOLE 10,358 0 0
Vanguard Short Term Bond Index Common 921937827 6,795 84,110 SH   SOLE 84,110 0 0
Vanguard Short Term Treasury Etf Common 92206C102 926 15,192 SH   SOLE 15,192 0 0
Vanguard Short-Term Corp Bd Idx ETF Common 92206C409 13,812 170,417 SH   SOLE 170,417 0 0
Vanguard Short-Term Infl-Prot Secs ETF` Common 922020805 4,131 84,221 SH   SOLE 84,221 0 0
Vanguard Small Cap ETF Common 922908751 1,987 12,913 SH   SOLE 12,913 0 0
Vanguard Small Cap Growth Etf Common 922908595 230 1,266 SH   SOLE 1,266 0 0
Vanguard Small-Cap Value ETF Common 922908611 2,818 21,868 SH   SOLE 21,868 0 0
Vanguard Tax-Exempt Bond ETF Common 922907746 236 4,400 SH   SOLE 4,400 0 0
Vanguard Total Bond Market ETF Common 921937835 2,596 30,748 SH   SOLE 30,748 0 0
Vanguard Total International Bo Common 92203J407 598 10,163 SH   SOLE 10,163 0 0
Vanguard Total International Stk Etf Common 921909768 14,141 273,730 SH   SOLE 273,730 0 0
Vanguard Total Stock Market Etf Common 922908769 1,132 7,500 SH   SOLE 7,500 0 0
Vanguard Value ETF Common 922908744 4,064 36,406 SH   SOLE 36,406 0 0
Verizon Communications Common 92343V104 319 5,280 SH   SOLE 5,280 0 0
Walmart Inc Common 931142103 741 6,246 SH   SOLE 6,246 0 0
Wisdomtree Japan Hedged Equity Etf Common 97717W851 343 6,800 SH   SOLE 6,800 0 0
Wpp Plc New Adr Isin#us92937a1025 Common 92937A102 310 4,950 SH   SOLE 4,950 0 0