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
ISHARES TR MSCI EMG MKT ETF 464287234 726 16,762 SH   SOLE 0 0 0 16,762
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 617 14,292 SH   SOLE 0 0 0 14,292
ISHARES TR ULTR SH TRM BD 46434V878 602 11,945 SH   SOLE 0 0 0 11,945
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 305 4,733 SH   SOLE 0 0 0 4,733
3M CO COM 88579Y101 1,359 7,982 SH   SOLE 0 0 0 7,982
INTEL CORP COM 458140100 222 3,769 SH   SOLE 0 0 0 3,769
ISHARES TR S&P 500 VAL ETF 464287408 532 4,187 SH   SOLE 0 0 0 4,187
ISHARES TR MBS ETF 464288588 1,558 14,405 SH   SOLE 0 0 0 14,405
ISHARES TR TIPS BD ETF 464287176 317 2,722 SH   SOLE 0 0 0 2,722
JP MORGAN EXCHANGE TRADED FD DIV RTN INT EQ 46641Q209 555 9,918 SH   SOLE 0 0 0 9,918
VENTAS INC COM 92276F100 209 3,625 SH   SOLE 0 0 0 3,625
STARBUCKS CORP COM 855244109 231 2,763 SH   SOLE 0 0 0 2,763
UNION PACIFIC CORP COM 907818108 1,326 7,373 SH   SOLE 0 0 0 7,373
MICROSOFT CORP COM 594918104 2,089 13,811 SH   SOLE 0 0 0 13,811
ISHARES TR USA SIZE FACTOR 46432F370 871 9,135 SH   SOLE 0 0 0 9,135
ISHARES TR US TREAS BD ETF 46429B267 4,694 179,288 SH   SOLE 0 0 0 179,288
ISHARES TR SH TR CRPORT ETF 464288646 228 4,243 SH   SOLE 0 0 0 4,243
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607 617 7,755 SH   SOLE 0 0 0 7,755
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 463 8,131 SH   SOLE 0 0 0 8,131
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 497 9,321 SH   SOLE 0 0 0 9,321
ALPHABET INC CAP STK CL C 02079K107 333 255 SH   SOLE 0 0 0 255
LULULEMON ATHLETICA INC COM 550021109 343 1,545 SH   SOLE 0 0 0 1,545
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 299 7,019 SH   SOLE 0 0 0 7,019
ISHARES TR USA QUALITY FCTR 46432F339 3,098 31,578 SH   SOLE 0 0 0 31,578
SPDR SERIES TRUST NUVEEN BRC MUNIC 78468R721 226 4,460 SH   SOLE 0 0 0 4,460
NOVARTIS A G SPONSORED ADR 66987V109 353 3,863 SH   SOLE 0 0 0 3,863
ISHARES TR CORE MSCI TOTAL 46432F834 3,374 55,613 SH   SOLE 0 0 0 55,613
ISHARES TR CORE S&P500 ETF 464287200 50,548 160,419 SH   SOLE 0 0 0 160,419
BERKSHIRE HATHAWAY INC DEL CL A 084670108 328 1 SH   SOLE 0 0 0 1
MEDTRONIC PLC SHS G5960L103 370 3,312 SH   SOLE 0 0 0 3,312
UNITED TECHNOLOGIES CORP COM 913017109 394 2,672 SH   SOLE 0 0 0 2,672
ABERDEEN GLOBAL PREMIER PPTY COM SH BEN INT 00302L108 64 10,000 SH   SOLE 0 0 0 10,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 686 3,133 SH   SOLE 0 0 0 3,133
NUVEEN AMT FREE MUN CR INC F COM 67071L106 438 27,087 SH   SOLE 0 0 0 27,087
SPDR SERIES TRUST PORTFLI INTRMDIT 78464A672 319 10,235 SH   SOLE 0 0 0 10,235
INVESCO EXCHANGE TRADED FD T S&P500 BUY WRT 46137V399 311 13,899 SH   SOLE 0 0 0 13,899
EXPEDITORS INTL WASH INC COM 302130109 389 5,081 SH   SOLE 0 0 0 5,081
DISNEY WALT CO COM DISNEY 254687106 296 1,979 SH   SOLE 0 0 0 1,979
BOOKING HLDGS INC COM 09857L108 328 173 SH   SOLE 0 0 0 173
PAYPAL HLDGS INC COM 70450Y103 213 2,041 SH   SOLE 0 0 0 2,041
MACQUARIE FT TR GB INF UT DI COM 55607W100 228 22,597 SH   SOLE 0 0 0 22,597
WALMART INC COM 931142103 369 3,105 SH   SOLE 0 0 0 3,105
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 645 24,202 SH   SOLE 0 0 0 24,202
ISHARES TR CORE DIV GRWTH 46434V621 3,462 84,139 SH   SOLE 0 0 0 84,139
ISHARES TR CORE S&P TTL STK 464287150 14,735 207,826 SH   SOLE 0 0 0 207,826
VANGUARD INDEX FDS LARGE CAP ETF 922908637 464 3,220 SH   SOLE 0 0 0 3,220
VERIZON COMMUNICATIONS INC COM 92343V104 221 3,723 SH   SOLE 0 0 0 3,723
ISHARES TR CORE US AGGBD ET 464287226 2,912 25,775 SH   SOLE 0 0 0 25,775
ISHARES TR MIN VOL EAFE ETF 46429B689 6,842 90,719 SH   SOLE 0 0 0 90,719
MERCK & CO INC COM 58933Y105 349 4,078 SH   SOLE 0 0 0 4,078
ISHARES TR INTRM TR CRP ETF 464288638 1,347 23,199 SH   SOLE 0 0 0 23,199
ISHARES TR CORE S&P SCP ETF 464287804 4,244 51,735 SH   SOLE 0 0 0 51,735
AMAZON COM INC COM 023135106 644 363 SH   SOLE 0 0 0 363
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,171 10,775 SH   SOLE 0 0 0 10,775
FIRST TR ABERDEEN GLBL OPP F COM SHS 337319107 108 10,000 SH   SOLE 0 0 0 10,000
SERVICENOW INC COM 81762P102 385 1,375 SH   SOLE 0 0 0 1,375
INVESCO QQQ TR UNIT SER 1 46090E103 337 1,648 SH   SOLE 0 0 0 1,648
ISHARES INC MIN VOL EMRG MKT 464286533 6,659 114,478 SH   SOLE 0 0 0 114,478
VANGUARD WORLD FDS INF TECH ETF 92204A702 2,880 12,226 SH   SOLE 0 0 0 12,226
UNILEVER PLC SPON ADR NEW 904767704 217 3,713 SH   SOLE 0 0 0 3,713
VISA INC COM CL A 92826C839 444 2,452 SH   SOLE 0 0 0 2,452
ISHARES TR USA MOMENTUM FCT 46432F396 1,064 8,649 SH   SOLE 0 0 0 8,649
ISHARES TR EAFE SML CP ETF 464288273 2,447 40,078 SH   SOLE 0 0 0 40,078
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,549 16,865 SH   SOLE 0 0 0 16,865
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 739 10,000 SH   SOLE 0 0 0 10,000
PIMCO ETF TR ACTIVE BD ETF 72201R775 876 8,067 SH   SOLE 0 0 0 8,067
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 273 3,385 SH   SOLE 0 0 0 3,385
PFIZER INC COM 717081103 331 8,563 SH   SOLE 0 0 0 8,563
ISHARES TR 20 YR TR BD ETF 464287432 559 3,983 SH   SOLE 0 0 0 3,983
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 551 6,542 SH   SOLE 0 0 0 6,542
W P CAREY INC COM 92936U109 397 4,761 SH   SOLE 0 0 0 4,761
ISHARES TR GLOBAL TECH ETF 464287291 302 1,499 SH   SOLE 0 0 0 1,499
AMBEV SA SPONSORED ADR 02319V103 52 12,080 SH   SOLE 0 0 0 12,080
ISHARES TR SP SMCP600VL ETF 464287879 2,628 16,619 SH   SOLE 0 0 0 16,619
PROCTER & GAMBLE CO COM 742718109 342 2,837 SH   SOLE 0 0 0 2,837
HEALTHEQUITY INC COM 42226A107 5,421 85,129 SH   SOLE 0 0 0 85,129
ISHARES TR SHRT NAT MUN ETF 464288158 842 7,891 SH   SOLE 0 0 0 7,891
VANGUARD INDEX FDS MID CAP ETF 922908629 203 1,163 SH   SOLE 0 0 0 1,163
JOHNSON & JOHNSON COM 478160104 431 3,144 SH   SOLE 0 0 0 3,144
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,206 8,968 SH   SOLE 0 0 0 8,968
ISHARES INC CORE MSCI EMKT 46434G103 5,935 114,091 SH   SOLE 0 0 0 114,091
ISHARES TR U.S. REAL ES ETF 464287739 292 3,173 SH   SOLE 0 0 0 3,173
TWO HBRS INVT CORP COM NEW 90187B408 172 11,908 SH   SOLE 0 0 0 11,908
PEPSICO INC COM 713448108 1,227 9,165 SH   SOLE 0 0 0 9,165
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,014 13,508 SH   SOLE 0 0 0 13,508
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 335 5,680 SH   SOLE 0 0 0 5,680
ANNALY CAP MGMT INC COM 035710409 128 13,816 SH   SOLE 0 0 0 13,816
ISHARES TR MSCI MIN VOL ETF 46429B697 5,054 78,581 SH   SOLE 0 0 0 78,581
FACEBOOK INC CL A 30303M102 623 3,116 SH   SOLE 0 0 0 3,116
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,957 26,103 SH   SOLE 0 0 0 26,103
MASTERCARD INC CL A 57636Q104 606 2,107 SH   SOLE 0 0 0 2,107
ISHARES TR NATIONAL MUN ETF 464288414 742 6,509 SH   SOLE 0 0 0 6,509
ALPHABET INC CAP STK CL A 02079K305 543 416 SH   SOLE 0 0 0 416
ISHARES TR MICRO-CAP ETF 464288869 2,162 23,006 SH   SOLE 0 0 0 23,006
SPDR S&P 500 ETF TR TR UNIT 78462F103 690 2,202 SH   SOLE 0 0 0 2,202
AMEREN CORP COM 023608102 248 3,350 SH   SOLE 0 0 0 3,350
APPLE INC COM 037833100 3,203 12,026 SH   SOLE 0 0 0 12,026
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,134 7,416 SH   SOLE 0 0 0 7,416
FIDELITY COVINGTON TR MSCI RL EST ETF 316092857 4,194 152,795 SH   SOLE 0 0 0 152,795
ISHARES TR CORE MSCI EAFE 46432F842 15,477 240,510 SH   SOLE 0 0 0 240,510
ISHARES TR CORE S&P MCP ETF 464287507 2,731 13,584 SH   SOLE 0 0 0 13,584
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 600 11,580 SH   SOLE 0 0 0 11,580
ISHARES US ETF TR SHT MAT BD ETF 46431W507 2,300 45,696 SH   SOLE 0 0 0 45,696
INTERNATIONAL BUSINESS MACHS COM 459200101 709 5,213 SH   SOLE 0 0 0 5,213
AT&T INC COM 00206R102 341 9,144 SH   SOLE 0 0 0 9,144
SPDR SERIES TRUST PORTFOLIO SH TSR 78468R101 242 8,075 SH   SOLE 0 0 0 8,075
ISHARES TR MSCI EAFE ETF 464287465 1,486 21,694 SH   SOLE 0 0 0 21,694