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
iShares Core Conservative Allocation ETF CONSER ALLOC ETF 464289883 4,491 131,343 SH   SOLE   131,343 0 0
iShares Core Growth Allocation ETF GRWT ALLOCAT ETF 464289867 721 15,986 SH   SOLE   15,986 0 0
iShares Core US Aggregate Bond ETF CORE US AGGBD ET 464287226 40,202 380,992 SH   SOLE   380,992 0 0
iShares iBoxx $ High Yield Corp Bd ETF IBOXX HI YD ETF 464288513 4,022 46,527 SH   SOLE   46,527 0 0
iShares Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614 49,860 319,658 SH   SOLE   319,658 0 0
iShares Russell 1000 Value ETF RUS 1000 VAL ETF 464287598 1,374 10,855 SH   SOLE   10,855 0 0
iShares Russell 2000 Growth ETF RUS 2000 GRW ETF 464287648 22 103 SH   SOLE   103 0 0
iShares Russell 2000 Value ETF RUS 2000 VAL ETF 464287630 19 141 SH   SOLE   141 0 0
iShares S&P 500 Growth ETF S&P 500 GRWT ETF 464287309 26,883 151,736 SH   SOLE   151,736 0 0
iShares TIPS Bond ETF TIPS BD ETF 464287176 8,612 77,848 SH   SOLE   77,848 0 0
PIMCO Enhanced Short Maturity Active ETF ENHAN SHRT MA AC 72201R833 7,158 70,442 SH   SOLE   70,442 0 0
Invesco Fundamental Hi Yld Corp Bd ETF FNDMNTL HY CRP 46138E719 8,669 467,849 SH   SOLE   467,849 0 0
Invesco International Corporate Bond ETF INTL CORP BD 46138E636 527 20,301 SH   SOLE   20,301 0 0
Schwab International Equity ETF (TM) INTL EQTY ETF 808524805 7,721 230,279 SH   SOLE   230,279 0 0
Schwab US Large-Cap ETF (TM) US LRG CAP ETF 808524201 22,766 327,285 SH   SOLE   327,285 0 0
Schwab US Large-Cap Value ETF (TM) US LCAP VA ETF 808524409 18,990 338,619 SH   SOLE   338,619 0 0
SPDR(R) Nuveen Blmbg Barclays Muni Bd ETF NUVEEN BRC MUNIC 78468R721 2,265 47,700 SH   SOLE   47,700 0 0
SPDR(R) Portfolio Aggregate Bond ETF PORTFOLIO AGRGTE 78464A649 2,774 100,118 SH   SOLE   100,118 0 0
SPDR(R) Portfolio S&P 500 Growth ETF PRTFLO S&P500 GW 78464A409 23,642 618,244 SH   SOLE   618,244 0 0
VanEck Vectors AMT-Free Interm Muni ETF AMT FREE INT ETF 92189F544 8,403 360,471 SH   SOLE   360,471 0 0
Vanguard High Dividend Yield ETF HIGH DIV YLD 921946406 18,869 216,657 SH   SOLE   216,657 0 0
Vanguard REIT ETF REIT ETF 922908553 4,793 59,403 SH   SOLE   59,403 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680 3,458 21,632 SH   SOLE   21,632 0 0
Vanguard Short-Term Infl-Prot Secs ETF STRM INFPROIDX 922020805 8,805 182,034 SH   SOLE   182,034 0 0
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 9,879 125,532 SH   SOLE   125,532 0 0
Vanguard Total International Bond ETF INTL BD IDX ETF 92203J407 34,166 626,443 SH   SOLE   626,443 0 0
WisdomTree US LargeCap Dividend ETF US LARGECAP DIVD 97717W307 19,197 201,202 SH   SOLE   201,202 0 0