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
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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
ISHARES TR 20 YR TR BD ETF 464287432 17,772 123,142 SH   SOLE   0 0 123,142
ISHARES TR ISHS 5-10YR INVT 464288638 34,113 567,971 SH   SOLE   0 0 567,971
ISHARES INC CORE MSCI EMKT 46434G103 9,858 159,622 SH   SOLE   0 0 159,622
ISHARES TR CORE S&P MCP ETF 464287507 4,317 16,404 SH   SOLE   0 0 16,404
ISHARES TR CORE S&P SCP ETF 464287804 4,341 39,752 SH   SOLE   0 0 39,752
ISHARES TR JPMORGAN USD EMG 464288281 12,399 112,656 SH   SOLE   0 0 112,656
ISHARES TR MSCI USA MIN VOL 46429B697 9,148 124,459 SH   SOLE   0 0 124,459
ISHARES TR MSCI USA MMENTM 46432F396 6,656 37,904 SH   SOLE   0 0 37,904
ISHARES TR RUSSELL 2000 ETF 464287655 452 2,065 SH   SOLE   0 0 2,065
ISHARES TR RUS MID CAP ETF 464287499 354 4,528 SH   SOLE   0 0 4,528
ISHARES TR S&P 500 GRWT ETF 464287309 17,675 239,138 SH   SOLE   0 0 239,138
ISHARES TR S&P 500 VAL ETF 464287408 23,347 160,547 SH   SOLE   0 0 160,547
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 9,042 180,338 SH   SOLE   0 0 180,338
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,645 91,998 SH   SOLE   0 0 91,998
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 19,478 365,512 SH   SOLE   0 0 365,512
VANGUARD INDEX FDS VALUE ETF 922908744 6,196 45,768 SH   SOLE   0 0 45,768
SPDR SER TR SSGA US LRG ETF 78468R804 563 4,219 SH   SOLE   0 0 4,219
VANGUARD INDEX FDS GROWTH ETF 922908736 8,591 29,608 SH   SOLE   0 0 29,608
VANGUARD INDEX FDS MID CAP ETF 922908629 1,176 4,969 SH   SOLE   0 0 4,969
VANGUARD INDEX FDS SMALL CP ETF 922908751 821 3,756 SH   SOLE   0 0 3,756
ISHARES TR CORE MSCI EAFE 46432F842 28,362 381,975 SH   SOLE   0 0 381,975
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 777 5,562 SH   SOLE   0 0 5,562
ISHARES TR RUS MD CP GR ETF 464287481 293 2,610 SH   SOLE   0 0 2,610
AMAZON COM INC COM 023135106 759 231 SH   SOLE   0 0 231
SPDR S&P 500 ETF TR TR UNIT 78462F103 279 650 SH   SOLE   0 0 650
VANGUARD WORLD FDS INF TECH ETF 92204A702 224 559 SH   SOLE   0 0 559
ISHARES TR ISHS 1-5YR INVS 464288646 923 16,891 SH   SOLE   0 0 16,891
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,782 35,641 SH   SOLE   0 0 35,641
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 546 20,468 SH   SOLE   0 0 20,468
ISHARES TR CORE MSCI PAC 46434V696 348 5,191 SH   SOLE   0 0 5,191
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 547 17,942 SH   SOLE   0 0 17,942
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 1,967 22,429 SH   SOLE   0 0 22,429
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 968 4,096 SH   SOLE   0 0 4,096
VANGUARD INDEX FDS SML CP GRW ETF 922908595 876 3,127 SH   SOLE   0 0 3,127
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 414 6,853 SH   SOLE   0 0 6,853
VANGUARD INDEX FDS SM CP VAL ETF 922908611 665 3,931 SH   SOLE   0 0 3,931
APPLE INC COM 037833100 215 1,520 SH   SOLE   0 0 1,520
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 892 13,589 SH   SOLE   0 0 13,589
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 987 12,174 SH   SOLE   0 0 12,174
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 372 3,943 SH   SOLE   0 0 3,943
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 550 6,442 SH   SOLE   0 0 6,442
ISHARES TR MSCI EMG MKT ETF 464287234 324 6,437 SH   SOLE   0 0 6,437
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 685 4,625 SH   SOLE   0 0 4,625
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 411 5,021 SH   SOLE   0 0 5,021
VANGUARD INDEX FDS TOTAL STK MKT 922908769 312 1,404 SH   SOLE   0 0 1,404
ISHARES TR CORE MSCI EURO 46434V738 440 7,857 SH   SOLE   0 0 7,857
ADVANCED MICRO DEVICES INC COM 007903107 257 2,500 SH   SOLE   0 0 2,500
SWEDISH EXPT CR CORP ROG TTL ETN 22 870297801 212 31,589 SH   SOLE   0 0 31,589
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,474 23,549 SH   SOLE   0 0 23,549
DELL TECHNOLOGIES INC CL C 24703L202 225 2,163 SH   SOLE   0 0 2,163
ISHARES TR MSCI EAFE ETF 464287465 200 2,565 SH   SOLE   0 0 2,565
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 260 2,500 SH   SOLE   0 0 2,500
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 211 2,111 SH   SOLE   0 0 2,111
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 347 6,399 SH   SOLE   0 0 6,399