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
AMAZON COM INC COM Stock 023135106 583 179 SH   SOLE 0 0 0 179
INVESCO QQQ TRUST ETF 46090E103 216 687 SH   SOLE 0 0 0 687
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 13,264 102,019 SH   SOLE 0 1,983 0 100,035
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649 24,700 802,196 SH   SOLE 0 6,830 0 795,366
SPDR PORTFOLIO S&P 500 HIGH DIVIDEND ETF ETF 78468R788 8,355 253,633 SH   SOLE 0 771 0 252,862
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 376 1,930 SH   SOLE 0 0 0 1,930
VANGUARD INTERNATIONAL DIVIDEND APPRECIATION ETF ETF 921946810 357 4,384 SH   SOLE 0 0 0 4,384
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 783 15,152 SH   SOLE 0 0 0 15,152
COCA COLA CO COM Stock 191216100 515 9,400 SH   SOLE 0 0 0 9,400
ISHARES U.S. ENERGY ETF ETF 464287796 335 16,561 SH   SOLE 0 0 0 16,561
VANGUARD REAL ESTATE ETF ETF 922908553 2,436 28,677 SH   SOLE 0 92 0 28,585
MERCK & CO. INC COM Stock 58933Y105 368 4,496 SH   SOLE 0 0 0 4,496
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 449 4,152 SH   SOLE 0 0 0 4,152
SPDR S&P 500 ETF ETF 78462F103 403 1,078 SH   SOLE 0 0 0 1,078
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF 922042718 548 4,494 SH   SOLE 0 0 0 4,494
PEPSICO INC COM Stock 713448108 444 2,994 SH   SOLE 0 486 0 2,508
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 5,806 51,179 SH   SOLE 0 411 0 50,768
SPDR GOLD SHARES ETF 78463V107 16,118 90,365 SH   SOLE 0 1,351 0 89,014
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 222 920 SH   SOLE 0 0 0 920
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 483 13,405 SH   SOLE 0 1,760 0 11,645
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 246 2,709 SH   SOLE 0 0 0 2,709
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 365 7,185 SH   SOLE 0 0 0 7,185
ISHARES S&P SMALL-CAP FUND ETF 464287804 520 5,654 SH   SOLE 0 0 0 5,654
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 50,278 1,640,407 SH   SOLE 0 30,028 0 1,610,379
ALPHABET INC CAP STK CL A Stock 02079K305 307 175 SH   SOLE 0 0 0 175
MICROSOFT CORP COM Stock 594918104 311 1,399 SH   SOLE 0 0 0 1,399
INVESCO CEF INCOME COMPOSITE ETF ETF 46138E404 819 36,500 SH   SOLE 0 0 0 36,500
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 71,695 368,273 SH   SOLE 0 6,255 0 362,017
VANGUARD MID-CAP INDEX FUND ETF 922908629 27,067 130,903 SH   SOLE 0 3,213 0 127,690
VANGUARD LARGE-CAP INDEX FUND ETF 922908637 66,629 379,134 SH   SOLE 0 7,167 0 371,967
NEXTERA ENERGY INC COM Stock 65339F101 513 6,652 SH   SOLE 0 0 0 6,652
SPDR S&P KENSHO NEW ECONOMIES COMPOSITE ETF ETF 78468R648 765 13,275 SH   SOLE 0 0 0 13,275
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 2,734 92,726 SH   SOLE 0 41 0 92,685
SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 15,035 292,569 SH   SOLE 0 2,077 0 290,492
VANGUARD CONSUMER STAPLES INDEX FUND ETF 92204A207 201 1,153 SH   SOLE 0 0 0 1,153
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325 10,982 397,835 SH   SOLE 0 12,571 0 385,264
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 6,188 59,259 SH   SOLE 0 499 0 58,760
VANECK VECTORS GOLD MINERS ETF ETF 92189F106 360 9,990 SH   SOLE 0 0 0 9,990
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771 15,210 281,307 SH   SOLE 0 2,382 0 278,924
ISHARES SELECT DIVIDEND ETF ETF 464287168 637 6,621 SH   SOLE 0 0 0 6,621
GLOBAL X SUPERDIVIDEND ETF ETF 37950E549 300 23,351 SH   SOLE 0 0 0 23,351
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 1,517 10,667 SH   SOLE 0 0 0 10,667
VANGUARD MID-CAP GROWTH INDEX FUND ETF 922908538 591 2,787 SH   SOLE 0 0 0 2,787
VISA INC COM CL A Stock 92826C839 319 1,457 SH   SOLE 0 0 0 1,457
VANGUARD SMALL-CAP GROWTH INDEX FUND ETF 922908595 685 2,560 SH   SOLE 0 0 0 2,560
VANGUARD VALUE INDEX FUND ETF 922908744 23,602 198,406 SH   SOLE 0 1,080 0 197,326
VANGUARD GROWTH INDEX FUND ETF 922908736 21,161 83,529 SH   SOLE 0 422 0 83,107
ISHARES EMERGING MARKETS DIVIDEND ETF ETF 464286319 438 11,755 SH   SOLE 0 0 0 11,755
SPDR S&P METALS AND MINING ETF ETF 78464A755 513 15,345 SH   SOLE 0 0 0 15,345
VANECK VECTORS JUNIOR GOLD MINERS ETF ETF 92189F791 603 11,123 SH   SOLE 0 0 0 11,123
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101 483 15,713 SH   SOLE 0 0 0 15,713
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 2,968 18,463 SH   SOLE 0 322 0 18,141
INVESCO S&P ULTRA DIVIDEND REVENUE ETF ETF 46138G656 296 8,757 SH   SOLE 0 0 0 8,757
INVESCO BULLETSHARES 2021 CORPORATE BOND ETF ETF 46138J700 2,963 139,709 SH   SOLE 0 1,203 0 138,506
INVESCO BULLETSHARES 2022 CORPORATE BOND ETF ETF 46138J882 3,000 137,942 SH   SOLE 0 1,184 0 136,757
UNION PAC CORP COM Stock 907818108 858 4,123 SH   SOLE 0 0 0 4,123
VANGUARD MID-CAP VALUE INDEX FUND ETF 922908512 644 5,417 SH   SOLE 0 0 0 5,417
JPMORGAN CHASE & CO COM Stock 46625H100 359 2,827 SH   SOLE 0 0 0 2,827
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 7,502 64,014 SH   SOLE 0 2,343 0 61,671
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 66,871 1,416,458 SH   SOLE 0 13,592 0 1,402,866
SPDR S&P DIVIDEND ETF ETF 78464A763 233 2,204 SH   SOLE 0 0 0 2,204
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448 721 24,449 SH   SOLE 0 0 0 24,449
ORACLE CORP COM Stock 68389X105 271 4,186 SH   SOLE 0 0 0 4,186
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1,982 39,554 SH   SOLE 0 17 0 39,537
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 22,163 242,193 SH   SOLE 0 4,727 0 237,466
VANECK VECTORS SHORT HIGH YIELD MUNI ETF ETF 92189F387 4,771 192,398 SH   SOLE 0 2,476 0 189,922
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 12,278 103,882 SH   SOLE 0 880 0 103,001
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879 17,643 216,988 SH   SOLE 0 3,347 0 213,641
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF ETF 46138J866 3,042 138,903 SH   SOLE 0 1,187 0 137,715
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841 3,080 137,568 SH   SOLE 0 971 0 136,597
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 9,640 116,283 SH   SOLE 0 1,293 0 114,990
VANGUARD MEGA CAP ETF ETF 921910873 18,153 136,030 SH   SOLE 0 2,641 0 133,389
SPDR DOW JONES REIT ETF ETF 78464A607 4,988 57,530 SH   SOLE 0 1,232 0 56,297
LOWES COS INC COM Stock 548661107 342 2,131 SH   SOLE 0 0 0 2,131
COLGATE PALMOLIVE CO COM Stock 194162103 224 2,616 SH   SOLE 0 0 0 2,616
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 6,351 188,187 SH   SOLE 0 21,294 0 166,893
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746 10,949 198,385 SH   SOLE 0 3,097 0 195,288
ISHARES MSCI EAFE ETF ETF 464287465 18,468 253,127 SH   SOLE 0 1,478 0 251,649
APPLE INC COM Stock 037833100 710 5,348 SH   SOLE 0 700 0 4,648
DISNEY WALT CO COM Stock 254687106 258 1,425 SH   SOLE 0 375 0 1,050