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
ISHARES TR NATIONAL MUN ETF 464288414 22,285 200,420 SH   SOLE   200,420 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 666 14,979 SH   SOLE   14,979 0 0
JP MORGAN EXCHANGE TRADED FD BETABULDRS CDA 46641Q696 458 19,145 SH   SOLE   19,145 0 0
BECTON DICKINSON & CO COM 075887109 472 1,892 SH   SOLE   1,892 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 892 34,305 SH   SOLE   34,305 0 0
PFIZER INC COM 717081103 674 15,880 SH   SOLE   15,880 0 0
MARATHON PETE CORP COM 56585A102 216 3,601 SH   SOLE   3,601 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 170,884 604,941 SH   SOLE   604,941 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 12,137 152,496 SH   SOLE   152,496 0 0
ISHARES TR SH TR CRPORT ETF 464288646 361 6,826 SH   SOLE   6,826 0 0
JP MORGAN EXCHANGE TRADED FD BETBULD MSCI 46641Q738 52,329 626,196 SH   SOLE   626,196 0 0
FLEXSHARES TR STOXX GLOBR INF 33939L795 28,017 566,118 SH   SOLE   566,118 0 0
PEPSICO INC COM 713448108 329 2,686 SH   SOLE   2,686 0 0
ISHARES TR SELECT DIVID ETF 464287168 567 5,775 SH   SOLE   5,775 0 0
APPLE INC COM 037833100 2,467 12,988 SH   SOLE   12,988 0 0
ISHARES TR CORE MSCI PAC 46434V696 284 5,114 SH   SOLE   5,114 0 0
BIO TECHNE CORP COM 09073M104 397 2,000 SH   SOLE   2,000 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 595 3,805 SH   SOLE   3,805 0 0
BOEING CO COM 097023105 393 1,030 SH   SOLE   1,030 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,830 73,821 SH   SOLE   73,821 0 0
INTEL CORP COM 458140100 435 8,092 SH   SOLE   8,092 0 0
FLEXSHARES TR QUALT DIVD IDX 33939L860 19,645 438,494 SH   SOLE   438,494 0 0
ISHARES TR INTRM GOV CR ETF 464288612 6,429 58,310 SH   SOLE   58,310 0 0
ISHARES TR CORE S&P SCP ETF 464287804 43,838 568,219 SH   SOLE   568,219 0 0
EXXON MOBIL CORP COM 30231G102 417 5,160 SH   SOLE   5,160 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,238 91,668 SH   SOLE   91,668 0 0
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 451 13,200 SH   SOLE   13,200 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 579 2,883 SH   SOLE   2,883 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 761 7,066 SH   SOLE   7,066 0 0
ISHARES INC CORE MSCI EMKT 46434G103 56,699 1,096,473 SH   SOLE   1,096,473 0 0
FLEXSHARES TR STOX ESG INDEX 33939L696 241 3,595 SH   SOLE   3,595 0 0
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 406 4,401 SH   SOLE   4,401 0 0
SPDR SERIES TRUST BLOOMBERG BRCLYS 78464A417 508 14,131 SH   SOLE   14,131 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 274 1,523 SH   SOLE   1,523 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 545 6,276 SH   SOLE   6,276 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,756 56,079 SH   SOLE   56,079 0 0
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 223 10,923 SH   SOLE   10,923 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,127 7,788 SH   SOLE   7,788 0 0
ISHARES TR IBOXX HI YD ETF 464288513 508 5,872 SH   SOLE   5,872 0 0
JACOBS ENGR GROUP INC COM 469814107 384 5,106 SH   SOLE   5,106 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 39,485 811,112 SH   SOLE   811,112 0 0
INVESCO ACTIVELY MANAGD ETF OPTIMUM YIELD 46090F100 18,662 1,123,569 SH   SOLE   1,123,569 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 627 2,414 SH   SOLE   2,414 0 0
WELLS FARGO CO NEW COM 949746101 275 5,698 SH   SOLE   5,698 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 641 8,040 SH   SOLE   8,040 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 6,535 118,811 SH   SOLE   118,811 0 0
MICROSOFT CORP COM 594918104 606 5,142 SH   SOLE   5,142 0 0
ISHARES TR CORE MSCI EAFE 46432F842 83,603 1,375,728 SH   SOLE   1,375,728 0 0
ISHARES TR CORE S&P MCP ETF 464287507 86,870 458,659 SH   SOLE   458,659 0 0
ISHARES TR S&P 500 VAL ETF 464287408 1,122 9,954 SH   SOLE   9,954 0 0
UBS AG JERSEY BRH CMCI ETN 38 902641778 8,459 567,691 SH   SOLE   567,691 0 0
MCDONALDS CORP COM 580135101 481 2,535 SH   SOLE   2,535 0 0
INVESCO EXCHNG TRADED FD TR NATL AMT MUNI 46138E537 362 14,125 SH   SOLE   14,125 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 341 6,790 SH   SOLE   6,790 0 0
ISHARES TR MSCI EAFE ETF 464287465 42,807 659,992 SH   SOLE   659,992 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 30,305 625,108 SH   SOLE   625,108 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505 283 7,915 SH   SOLE   7,915 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,783 9,780 SH   SOLE   9,780 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 99,833 1,229,772 SH   SOLE   1,229,772 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1,195 13,946 SH   SOLE   13,946 0 0
ISHARES TR SHORT TREAS BD 464288679 18,003 162,820 SH   SOLE   162,820 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 27,129 486,453 SH   SOLE   486,453 0 0
JP MORGAN EXCHANGE TRADED FD DIVERSIFIED ET 46641Q803 23,645 951,646 SH   SOLE   951,646 0 0
ZIMMER BIOMET HLDGS INC COM 98956P102 248 1,940 SH   SOLE   1,940 0 0