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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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
ANNALY CAPITAL MANAGEMENT INC COM COM 035710409 271 30,815 SH   SOLE NONE 0 0 30,815
APPLE INC COM USD0.00001 COM 037833100 263 1,175 SH   SOLE NONE 0 0 1,175
BANK OF AMERICA CORP COM 060505104 236 8,123 SH   SOLE NONE 0 0 8,123
DISNEY WALT CO COM DISNEY 254687106 200 1,540 SH   SOLE NONE 0 0 1,540
GENERAL DYNAMICS CORP COM USD1.00 COM 369550108 395 2,162 SH   SOLE NONE 0 0 2,162
INVESCO DB COMMDY INDX TRCK FD UNIT UNIT 46138B103 694 46,162 SH   SOLE NONE 0 0 46,162
ISHARES CORE 1-5 YEAR USD BOND ETF CORE 1 5 YR USD 46432F859 1,942 38,472 SH   SOLE NONE 0 0 38,472
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 19,078 63,759 SH   SOLE NONE 0 0 63,759
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 7,141 36,884 SH   SOLE NONE 0 0 36,884
ISHARES CORE S&P SMALL-CAP E CORE S&P SCP ETF 464287804 8,905 114,205 SH   SOLE NONE 0 0 114,205
ISHARES CORE U.S. AGGREGATE BOND ETF CORE US AGGBD ET 464287226 5,940 52,105 SH   SOLE NONE 0 0 52,105
ISHARES EDGE MSCI MIN VOL EAFE ETF MIN VOL EAFE ETF 46429B689 393 5,366 SH   SOLE NONE 0 0 5,366
ISHARES IBONDS DEC 2019 TERM CORPORATE ETF IBONDS DEC19 ETF 46434VAU4 1,873 75,400 SH   SOLE NONE 0 0 75,400
ISHARES IBONDS DEC 2020 TERM CORPORATE ETF IBONDS DEC20 ETF 46434VAQ3 2,640 104,084 SH   SOLE NONE 0 0 104,084
ISHARES IBONDS DEC 2021 TERM CORPORATE ETF IBONDS DEC21 ETF 46434VBK5 3,828 153,147 SH   SOLE NONE 0 0 153,147
ISHARES IBONDS DEC 2021 TERM MUNI BOND ETF IBONDS DEC2021 46435G789 1,062 41,229 SH   SOLE NONE 0 0 41,229
ISHARES IBONDS DEC 2022 TERM CORPORATE ETF IBONDS DEC22 ETF 46434VBA7 2,535 100,156 SH   SOLE NONE 0 0 100,156
ISHARES IBONDS DEC 2022 TERM MUNI BOND ETF IBONDS DEC2022 46435G755 870 33,283 SH   SOLE NONE 0 0 33,283
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF IBONDS DEC23 ETF 46434VAX8 553 21,615 SH   SOLE NONE 0 0 21,615
ISHARES IBONDS SEP 2020 TERM MUNI BOND ETF IBONDS SEP2020 46434V571 903 35,405 SH   SOLE NONE 0 0 35,405
ISHARES IBOXX INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 451 3,415 SH   SOLE NONE 0 0 3,415
ISHARES INC CORE MSCI EMERGING MKTS ETF CORE MSCI EMKT 46434G103 5,044 102,774 SH   SOLE NONE 0 0 102,774
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 1,986 30,467 SH   SOLE NONE 0 0 30,467
ISHARES NEW YORK MUNI BOND ETF NEW YORK MUN ETF 464288323 223 3,901 SH   SOLE NONE 0 0 3,901
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 877 5,494 SH   SOLE NONE 0 0 5,494
ISHARES RUSSELL 1000 VALUE ETF RUS 1000 VAL ETF 464287598 468 3,649 SH   SOLE NONE 0 0 3,649
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 224 1,480 SH   SOLE NONE 0 0 1,480
ISHARES RUSSELL 2000 GROWTH ETF RUS 2000 GRW ETF 464287648 608 3,159 SH   SOLE NONE 0 0 3,159
ISHARES RUSSELL 2000 VALUE ETF RUS 2000 VAL ETF 464287630 465 3,896 SH   SOLE NONE 0 0 3,896
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309 9,317 51,754 SH   SOLE NONE 0 0 51,754
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 5,522 46,351 SH   SOLE NONE 0 0 46,351
ISHARES S&P MID CAP 400 GROWTH ETF S&P MC 400GR ETF 464287606 3,590 16,037 SH   SOLE NONE 0 0 16,037
ISHARES S&P MIDCAP 400 VALUE ETF S&P MC 400VL ETF 464287705 1,929 12,068 SH   SOLE NONE 0 0 12,068
ISHARES S&P SMALLCAP 600 VALUE ETF SP SMCP600VL ETF 464287879 1,200 7,996 SH   SOLE NONE 0 0 7,996
ISHARES SELECT DIVIDEND ETF SELECT DIVID ETF 464287168 4,466 43,810 SH   SOLE NONE 0 0 43,810
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF SHRT NAT MUN ETF 464288158 777 7,297 SH   SOLE NONE 0 0 7,297
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 1,976 16,738 SH   SOLE NONE 0 0 16,738
ISHARES TR CORE MSCI TOTAL CORE MSCI TOTAL 46432F834 1,888 32,701 SH   SOLE NONE 0 0 32,701
ISHARES TR EAFE SML CP ETF EAFE SML CP ETF 464288273 3,862 67,398 SH   SOLE NONE 0 0 67,398
ISHARES TR FLTG RATE NT ETF FLTG RATE NT ETF 46429B655 1,365 26,788 SH   SOLE NONE 0 0 26,788
ISHARES TR IBONDS DEC2023 TERM MUNI BD ETF IBONDS DEC2023 46435G318 712 27,659 SH   SOLE NONE 0 0 27,659
ISHARES TR IBOXX HI YD ETF IBOXX HI YD ETF 464288513 339 3,899 SH   SOLE NONE 0 0 3,899
ISHARES TR INTL SEL DIV ETF INTL SEL DIV ETF 464288448 295 9,601 SH   SOLE NONE 0 0 9,601
ISHARES TR MSCI ACWI EX US MSCI ACWI EX US 464288240 343 7,450 SH   SOLE NONE 0 0 7,450
ISHARES TR PFD AND INCM SEC PFD AND INCM SEC 464288687 897 23,909 SH   SOLE NONE 0 0 23,909
ISHARES TR S&P SMALL CAP 600 GROWTH ETF S&P SML 600 GWT 464287887 3,152 17,672 SH   SOLE NONE 0 0 17,672
ISHARES TRUST CORE DIVID GWTH CORE DIV GRWTH 46434V621 1,103 28,196 SH   SOLE NONE 0 0 28,196
ISHARES TRUST CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 9,099 148,746 SH   SOLE NONE 0 0 148,746
ISHARES TRUST MSCI EMG MKTS ETF USD DIS MSCI EMG MKT ETF 464287234 575 14,079 SH   SOLE NONE 0 0 14,079
ISHARES U S ENERGY ETF U.S. ENERGY ETF 464287796 395 12,452 SH   SOLE NONE 0 0 12,452
ISHARES U S REAL ESTATE ETF U.S. REAL ES ETF 464287739 4,663 49,778 SH   SOLE NONE 0 0 49,778
JOHNSON &JOHNSON COM USD1.00 COM 478160104 278 2,149 SH   SOLE NONE 0 0 2,149
JPMORGAN CHASE & CO COM USD1.00 COM 46625H100 47,090 400,120 SH   SOLE NONE 0 0 400,120
MFA FINL INC COM COM 55272X102 327 44,511 SH   SOLE NONE 0 0 44,511
MICROSOFT CORP COM 594918104 430 3,093 SH   SOLE NONE 0 0 3,093
PROCTER & GAMBLE CO COM COM 742718109 498 4,004 SH   SOLE NONE 0 0 4,004
SELECT SECTOR SPDR TRUST AMEX FINANCIAL SELECT INDEX USD DIS SBI INT-FINL 81369Y605 345 12,331 SH   SOLE NONE 0 0 12,331
SPDR S&P500 ETF TRUST TRUST UNIT DEPOSITARY RECEIPT TR UNIT 78462F103 2,243 7,558 SH   SOLE NONE 0 0 7,558
VANGUARD CHARLOTTE TOTAL INTL BD INDEX FD ETF INTL BD IDX ETF 92203J407 1,975 33,586 SH   SOLE NONE 0 0 33,586
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 417 4,476 SH   SOLE NONE 0 0 4,476
VANGUARD SECTOR INDEX FDS VANGUARD UTILS VIPERS UTILITIES ETF 92204A876 1,464 10,192 SH   SOLE NONE 0 0 10,192