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 EXCHANGE-TRADED FD T EMRNG MKT SVRG 46138E784 1,045 43,690 SH   SOLE   0 0 43,690
ISHARES INC CORE MSCI EMKT 46434G103 5,408 133,632 SH   SOLE   0 0 133,632
ISHARES TR S&P 500 GRWT ETF 464287309 10,308 62,454 SH   SOLE   0 0 62,454
ISHARES TR S&P 500 VAL ETF 464287408 12,652 131,454 SH   SOLE   0 0 131,454
ISHARES TR 20 YR TR BD ETF 464287432 8,955 54,283 SH   SOLE   0 0 54,283
ISHARES TR CORE S&P MCP ETF 464287507 2,425 16,859 SH   SOLE   0 0 16,859
ISHARES TR CORE S&P SCP ETF 464287804 2,224 39,628 SH   SOLE   0 0 39,628
ISHARES TR JPMORGAN USD EMG 464288281 7,683 79,472 SH   SOLE   0 0 79,472
ISHARES TR INTRM TR CRP ETF 464288638 24,724 450,179 SH   SOLE   0 0 450,179
ISHARES TR SH TR CRPORT ETF 464288646 855 16,330 SH   SOLE   0 0 16,330
ISHARES TR MSCI MIN VOL ETF 46429B697 5,280 97,768 SH   SOLE   0 0 97,768
ISHARES TR USA MOMENTUM FCT 46432F396 3,832 35,990 SH   SOLE   0 0 35,990
ISHARES TR CORE MSCI EAFE 46432F842 16,090 322,504 SH   SOLE   0 0 322,504
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 6,421 132,410 SH   SOLE   0 0 132,410
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 433 20,904 SH   SOLE   0 0 20,904
SCHWAB STRATEGIC TR US TIPS ETF 808524870 6,586 114,518 SH   SOLE   0 0 114,518
VANGUARD INDEX FDS GROWTH ETF 922908736 5,824 37,167 SH   SOLE   0 0 37,167
VANGUARD INDEX FDS VALUE ETF 922908744 4,913 55,161 SH   SOLE   0 0 55,161
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,341 39,979 SH   SOLE   0 0 39,979
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 788 14,287 SH   SOLE   0 0 14,287
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 754 17,418 SH   SOLE   0 0 17,418
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 14,475 265,603 SH   SOLE   0 0 265,603
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,899 86,963 SH   SOLE   0 0 86,963