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
AT&T INC COM 00206r102 797 27,697 SH   SOLE   27,697 0 0
APPLE INC COM 037833100 3,065 23,099 SH   SOLE   23,099 0 0
BARCLAYS BANK PLC IPATH SHILR CAPE 06742A669 42,792 240,280 SH   SOLE   240,280 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 21,521 674,624 SH   SOLE   674,624 0 0
INTEL CORP COM 458140100 715 14,343 SH   SOLE   14,343 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 18,782 124,433 SH   SOLE   124,432 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,417 27,415 SH   SOLE   27,415 0 0
ISHARES TR MSCI ACWI ETF 464288257 3,753 41,372 SH   SOLE   41,372 0 0
ISHARES TR MSCI USA QLT FCT 46432f339 52,094 448,279 SH   SOLE   448,278 0 0
ISHARES TR CORE MSCI TOTAL 46432f834 45,902 683,170 SH   SOLE   683,170 0 0
ISHARES TR CORE MSCI EAFE 46432F842 28,172 407,763 SH   SOLE   407,762 0 0
ISHARES TR MSCI GBL MULTIFC 46434V316 989 29,370 SH   SOLE   29,370 0 0
PACER FDS TR TRENDP US MID CP 69374H204 357 10,952 SH   SOLE   10,951 0 0
PACER FDS TR TRENDP 100 ETF 69374H303 588 11,279 SH   SOLE   11,279 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,974 10,629 SH   SOLE   10,629 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467y107 51,035 121,534 SH   SOLE   121,534 0 0
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 29,863 798,682 SH   SOLE   798,682 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 29,272 682,013 SH   SOLE   682,013 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 50,380 544,174 SH   SOLE   544,173 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 21,789 434,817 SH   SOLE   434,816 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 2,757 23,178 SH   SOLE   23,178 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 27,067 682,297 SH   SOLE   682,297 0 0