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
ZIONS BANCORPORATION N A COM 989701107 336 8,259 SH   SOLE   0 0 8,259
ISHARES TR TIPS BD ETF 464287176 4,127 37,689 SH   SOLE   0 0 37,689
ALPHABET INC CAP STK CL C 02079K107 207 200 SH   SOLE   0 0 200
EXXON MOBIL CORP COM 30231G102 848 12,437 SH   SOLE   0 0 12,437
LILLY ELI & CO COM 532457108 269 2,324 SH   SOLE   0 0 2,324
FIDELITY MSCI RL EST ETF 316092857 5,241 234,087 SH   SOLE   0 0 234,087
ISHARES TR CORE MSCI TOTAL 46432F834 22,793 433,901 SH   SOLE   0 0 433,901
ISHARES TR GLOBAL REIT ETF 46434V647 3,700 157,985 SH   SOLE   0 0 157,985
ZAGG INC COM 98884U108 181 18,478 SH   SOLE   0 0 18,478
GILEAD SCIENCES INC COM 375558103 2,380 38,053 SH   SOLE   0 0 38,053
MEDTRONIC PLC SHS G5960L103 2,240 24,631 SH   SOLE   0 0 24,631
ISHARES TR CORE S&P500 ETF 464287200 38,287 152,167 SH   SOLE   0 0 152,167
ISHARES TR CORE HIGH DV ETF 46429B663 14,704 174,259 SH   SOLE   0 0 174,259
ISHARES TR CORE INTL AGGR 46435G672 6,837 130,947 SH   SOLE   0 0 130,947
ISHARES TR IBOXX INV CP ETF 464287242 202 1,790 SH   SOLE   0 0 1,790
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 4,784 44,554 SH   SOLE   0 0 44,554
ISHARES TR CORE S&P TTL STK 464287150 34,927 615,351 SH   SOLE   0 0 615,351
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 266 1,142 SH   SOLE   0 0 1,142
CHEVRON CORP NEW COM 166764100 1,258 11,563 SH   SOLE   0 0 11,563
ISHARES TR CORE US AGGBD ET 464287226 18,273 171,595 SH   SOLE   0 0 171,595
ISHARES TR CORE TOTAL USD 46434V613 7,086 143,891 SH   SOLE   0 0 143,891
ISHARES TR CR 5 10 YR ETF 46435G417 597 12,432 SH   SOLE   0 0 12,432
ISHARES TR CORE S&P SCP ETF 464287804 19,173 276,592 SH   SOLE   0 0 276,592
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 238 2,380 SH   SOLE   0 0 2,380
AMGEN INC COM 031162100 1,903 9,777 SH   SOLE   0 0 9,777
ISHARES TR CORE 1 5 YR USD 46432F859 15,271 311,279 SH   SOLE   0 0 311,279
ISHARES INC MIN VOL EMRG MKT 464286533 285 5,098 SH   SOLE   0 0 5,098
ISHARES TR RUSSELL 3000 ETF 464287689 901 6,134 SH   SOLE   0 0 6,134
INVESCO QQQ TR UNIT SER 1 46090E103 321 2,081 SH   SOLE   0 0 2,081
ISHARES TR INTL DEV RE ETF 464288489 4,410 163,140 SH   SOLE   0 0 163,140
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,062 13,409 SH   SOLE   0 0 13,409
ISHARES INC CORE MSCI EMKT 46434G103 15,456 327,800 SH   SOLE   0 0 327,800
ISHARES TR MRGSTR MD CP ETF 464288208 1,089 6,737 SH   SOLE   0 0 6,737
ISHARES TR SHORT TREAS BD 464288679 1,156 10,482 SH   SOLE   0 0 10,482
BOSTON SCIENTIFIC CORP COM 101137107 3,177 89,902 SH   SOLE   0 0 89,902
ISHARES TR RUSEL 2500 ETF 46435G268 298 7,796 SH   SOLE   0 0 7,796
WELLS FARGO CO NEW COM 949746101 648 14,062 SH   SOLE   0 0 14,062
ISHARES TR DOW JONES US ETF 464287846 1,086 8,725 SH   SOLE   0 0 8,725
ISHARES TR CORE S&P MCP ETF 464287507 29,040 174,877 SH   SOLE   0 0 174,877
INTERNATIONAL BUSINESS MACHS COM 459200101 314 2,761 SH   SOLE   0 0 2,761
APPLE INC COM 037833100 520 3,298 SH   SOLE   0 0 3,298
UNION PAC CORP COM 907818108 318 2,301 SH   SOLE   0 0 2,301
ISHARES TR CORE MSCI EAFE 46432F842 3,229 58,718 SH   SOLE   0 0 58,718
FORD MTR CO DEL COM PAR $0.01 345370860 130 16,940 SH   SOLE   0 0 16,940