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
BARCLAYS BK PLC BARC ETN+SHILL 06742A669 12,613 92,999 SH   SOLE   92,999 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200 23,700 749,757 SH   SOLE   749,757 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 18,491 644,749 SH   SOLE   644,749 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 36,116 282,865 SH   SOLE   282,865 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 4,761 110,957 SH   SOLE   110,957 0 0
ISHARES TR MSCI ACWI ETF 464288257 11,968 162,367 SH   SOLE   162,367 0 0
ISHARES TR MIN VOL USA ETF 46429B697 608 9,847 SH   SOLE   9,846 0 0
ISHARES TR USA QUALITY FCTR 46432F339 24,105 263,527 SH   SOLE   263,527 0 0
ISHARES TR EDGE MSCI USA VL 46432F388 1,741 21,441 SH   SOLE   21,441 0 0
ISHARES TR MULTIFACTOR GLBL 46434V316 38,389 1,311,090 SH   SOLE   1,311,089 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,491 11,914 SH   SOLE   11,914 0 0
SPDR INDEX SHS FDS MSCI ACWI ETF 78463X475 36,640 458,292 SH   SOLE   458,291 0 0
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 42,317 1,242,075 SH   SOLE   1,242,075 0 0
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 22,494 779,071 SH   SOLE   779,070 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 1,779 47,203 SH   SOLE   47,203 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 14,104 331,623 SH   SOLE   331,622 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 36,834 332,080 SH   SOLE   332,080 0 0