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
ANNALY CAPITAL MANAGEMENT INC COM COM 035710409 213 22,676 SH   SOLE NONE 0 0 22,676
APPLE INC COM USD0.00001 COM 037833100 361 1,230 SH   SOLE NONE 0 0 1,230
BANK OF AMERICA CORP COM 060505104 287 8,165 SH   SOLE NONE 0 0 8,165
BLACKSTONE MORTGAGE TRUST INC COM USD0.01 CLS A COM CL A 09257W100 232 6,241 SH   SOLE NONE 0 0 6,241
DISNEY WALT CO COM DISNEY 254687106 223 1,543 SH   SOLE NONE 0 0 1,543
GENERAL DYNAMICS CORP COM USD1.00 COM 369550108 361 2,052 SH   SOLE NONE 0 0 2,052
INVESCO DB COMMDY INDX TRCK FD UNIT UNIT 46138B103 728 45,666 SH   SOLE NONE 0 0 45,666
INVESCO EXCHNG TRADED FD TR II PFD ETF PFD ETF 46138E511 470 31,352 SH   SOLE NONE 0 0 31,352
ISHARES CORE 1-5 YEAR USD BOND ETF CORE 1 5 YR USD 46432F859 1,995 39,596 SH   SOLE NONE 0 0 39,596
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 20,912 64,699 SH   SOLE NONE 0 0 64,699
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 7,699 37,413 SH   SOLE NONE 0 0 37,413
ISHARES CORE S&P SMALL-CAP E CORE S&P SCP ETF 464287804 9,663 115,259 SH   SOLE NONE 0 0 115,259
ISHARES CORE U.S. AGGREGATE BOND ETF CORE US AGGBD ET 464287226 6,734 60,091 SH   SOLE NONE 0 0 60,091
ISHARES EDGE MSCI MIN VOL EAFE ETF MIN VOL EAFE ETF 46429B689 409 5,491 SH   SOLE NONE 0 0 5,491
ISHARES GLOBAL ENERGY ETF GLOBAL ENERG ETF 464287341 278 9,022 SH   SOLE NONE 0 0 9,022
ISHARES IBONDS DEC 2020 TERM CORPORATE ETF IBONDS DEC20 ETF 46434VAQ3 2,681 105,997 SH   SOLE NONE 0 0 105,997
ISHARES IBONDS DEC 2021 TERM CORPORATE ETF IBONDS DEC21 ETF 46434VBK5 4,116 164,906 SH   SOLE NONE 0 0 164,906
ISHARES IBONDS DEC 2021 TERM MUNI BOND ETF IBONDS DEC2021 46435G789 1,063 41,289 SH   SOLE NONE 0 0 41,289
ISHARES IBONDS DEC 2022 TERM CORPORATE ETF IBONDS DEC22 ETF 46434VBA7 3,253 129,009 SH   SOLE NONE 0 0 129,009
ISHARES IBONDS DEC 2022 TERM MUNI BOND ETF IBONDS DEC2022 46435G755 973 37,203 SH   SOLE NONE 0 0 37,203
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF IBONDS DEC23 ETF 46434VAX8 1,766 72,060 SH   SOLE NONE 0 0 72,060
ISHARES IBONDS SEP 2020 TERM MUNI BOND ETF IBONDS SEP2020 46434V571 904 35,459 SH   SOLE NONE 0 0 35,459
ISHARES IBOXX INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 527 4,118 SH   SOLE NONE 0 0 4,118
ISHARES INC CORE MSCI EMERGING MKTS ETF CORE MSCI EMKT 46434G103 5,621 104,578 SH   SOLE NONE 0 0 104,578
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 2,121 30,546 SH   SOLE NONE 0 0 30,546
ISHARES NATIONAL MUNI BOND ETF NATIONAL MUN ETF 464288414 352 3,090 SH   SOLE NONE 0 0 3,090
ISHARES NEW YORK MUNI BOND ETF NEW YORK MUN ETF 464288323 224 3,928 SH   SOLE NONE 0 0 3,928
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 940 5,335 SH   SOLE NONE 0 0 5,335
ISHARES RUSSELL 1000 VALUE ETF RUS 1000 VAL ETF 464287598 500 3,660 SH   SOLE NONE 0 0 3,660
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 244 1,469 SH   SOLE NONE 0 0 1,469
ISHARES RUSSELL 2000 GROWTH ETF RUS 2000 GRW ETF 464287648 634 2,960 SH   SOLE NONE 0 0 2,960
ISHARES RUSSELL 2000 VALUE ETF RUS 2000 VAL ETF 464287630 500 3,889 SH   SOLE NONE 0 0 3,889
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309 10,263 53,008 SH   SOLE NONE 0 0 53,008
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 5,937 45,645 SH   SOLE NONE 0 0 45,645
ISHARES S&P MID CAP 400 GROWTH ETF S&P MC 400GR ETF 464287606 3,828 16,076 SH   SOLE NONE 0 0 16,076
ISHARES S&P MIDCAP 400 VALUE ETF S&P MC 400VL ETF 464287705 2,077 12,166 SH   SOLE NONE 0 0 12,166
ISHARES S&P SMALLCAP 600 VALUE ETF SP SMCP600VL ETF 464287879 1,290 8,027 SH   SOLE NONE 0 0 8,027
ISHARES SELECT DIVIDEND ETF SELECT DIVID ETF 464287168 4,567 43,216 SH   SOLE NONE 0 0 43,216
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF SHRT NAT MUN ETF 464288158 780 7,307 SH   SOLE NONE 0 0 7,307
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 2,033 17,445 SH   SOLE NONE 0 0 17,445
ISHARES TR CORE MSCI TOTAL CORE MSCI TOTAL 46432F834 2,050 33,133 SH   SOLE NONE 0 0 33,133
ISHARES TR EAFE SML CP ETF EAFE SML CP ETF 464288273 4,267 68,510 SH   SOLE NONE 0 0 68,510
ISHARES TR FLTG RATE NT ETF FLTG RATE NT ETF 46429B655 1,640 32,222 SH   SOLE NONE 0 0 32,222
ISHARES TR IBONDS DEC2023 TERM MUNI BD ETF IBONDS DEC2023 46435G318 841 32,604 SH   SOLE NONE 0 0 32,604
ISHARES TR IBOXX HI YD ETF IBOXX HI YD ETF 464288513 346 3,936 SH   SOLE NONE 0 0 3,936
ISHARES TR INTL SEL DIV ETF INTL SEL DIV ETF 464288448 320 9,550 SH   SOLE NONE 0 0 9,550
ISHARES TR MSCI ACWI EX US MSCI ACWI EX US 464288240 371 7,567 SH   SOLE NONE 0 0 7,567
ISHARES TR PFD AND INCM SEC PFD AND INCM SEC 464288687 1,032 27,470 SH   SOLE NONE 0 0 27,470
ISHARES TR S&P SMALL CAP 600 GROWTH ETF S&P SML 600 GWT 464287887 3,423 17,708 SH   SOLE NONE 0 0 17,708
ISHARES TRUST CORE DIVID GWTH CORE DIV GRWTH 46434V621 1,189 28,278 SH   SOLE NONE 0 0 28,278
ISHARES TRUST CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 10,065 154,306 SH   SOLE NONE 0 0 154,306
ISHARES TRUST MSCI EMG MKTS ETF USD DIS MSCI EMG MKT ETF 464287234 635 14,152 SH   SOLE NONE 0 0 14,152
ISHARES U S ENERGY ETF U.S. ENERGY ETF 464287796 261 8,128 SH   SOLE NONE 0 0 8,128
ISHARES U S REAL ESTATE ETF U.S. REAL ES ETF 464287739 4,637 49,829 SH   SOLE NONE 0 0 49,829
JOHNSON &JOHNSON COM USD1.00 COM 478160104 313 2,151 SH   SOLE NONE 0 0 2,151
JPMORGAN CHASE & CO COM USD1.00 COM 46625H100 55,771 400,082 SH   SOLE NONE 0 0 400,082
MFA FINL INC COM COM 55272X102 275 35,999 SH   SOLE NONE 0 0 35,999
MICROSOFT CORP COM 594918104 487 3,094 SH   SOLE NONE 0 0 3,094
PROCTER & GAMBLE CO COM COM 742718109 504 4,039 SH   SOLE NONE 0 0 4,039
SELECT SECTOR SPDR TRUST AMEX FINANCIAL SELECT INDEX USD DIS SBI INT-FINL 81369Y605 403 13,094 SH   SOLE NONE 0 0 13,094
SPDR S&P500 ETF TRUST TRUST UNIT DEPOSITARY RECEIPT TR UNIT 78462F103 2,439 7,578 SH   SOLE NONE 0 0 7,578
TPG RE FIN TR INC COM COM 87266M107 283 14,002 SH   SOLE NONE 0 0 14,002
VANGUARD CHARLOTTE TOTAL INTL BD INDEX FD ETF INTL BD IDX ETF 92203J407 3,450 60,983 SH   SOLE NONE 0 0 60,983
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 530 5,718 SH   SOLE NONE 0 0 5,718
VANGUARD SECTOR INDEX FDS VANGUARD UTILS VIPERS UTILITIES ETF 92204A876 1,477 10,321 SH   SOLE NONE 0 0 10,321