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
APPLE INC COM 037833100 2,427 6,652 SH   SOLE   0 0 6,652
ADOBE INC COM 00724F101 224 514 SH   SOLE   0 0 514
AMERICAN ELEC PWR CO INC COM 025537101 225 2,828 SH   SOLE   0 0 2,828
ISHARES TR CORE US AGGBD ET 464287226 17,638 149,212 SH   SOLE   0 0 149,212
AMAZON COM INC COM 023135106 569 206 SH   SOLE   0 0 206
BOEING CO COM 097023105 1,163 6,345 SH   SOLE   0 0 6,345
BK OF AMERICA CORP COM 060505104 348 14,656 SH   SOLE   0 0 14,656
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 255 1,427 SH   SOLE   0 0 1,427
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 35 34,931 SH   SOLE   0 0 34,931
ISHARES TR CORE DIV GRWTH 46434V621 68 68,403 SH   SOLE   0 0 68,403
FACEBOOK INC CL A 30303M102 400 1,761 SH   SOLE   0 0 1,761
ISHARES TR FLTG RATE NT ETF 46429B655 4,147 81,969 SH   SOLE   0 0 81,969
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 1,278 12,718 SH   SOLE   0 0 12,718
ALPHABET INC CAP STK CL C 02079K107 1,204 852 SH   SOLE   0 0 852
ALPHABET INC CAP STK CL A 02079K305 885 624 SH   SOLE   0 0 624
HOME DEPOT INC COM 437076102 469 1,870 SH   SOLE   0 0 1,870
HONEYWELL INTL INC COM 438516106 288 1,993 SH   SOLE   0 0 1,993
ISHARES TR IBOXX HI YD ETF 464288513 3,935 48,212 SH   SOLE   0 0 48,212
ISHARES TR IBONDS SEP2020 46434V571 909 35,656 SH   SOLE   0 0 35,656
ISHARES TR IBONDS DEC21 ETF 46434VBK5 245 9,453 SH   SOLE   0 0 9,453
ISHARES TR CORE MSCI EAFE 46432F842 4,237 74,124 SH   SOLE   0 0 74,124
ISHARES INC CORE MSCI EMKT 46434G103 6,448 135,452 SH   SOLE   0 0 135,452
ISHARES TR CORE S&P MCP ETF 464287507 14,375 80,837 SH   SOLE   0 0 80,837
ISHARES TR CORE S&P SCP ETF 464287804 9,426 138,028 SH   SOLE   0 0 138,028
ISHARES TR CORE S&P TTL STK 464287150 2,324 33,470 SH   SOLE   0 0 33,470
ISHARES TR CORE S&P500 ETF 464287200 39,216 126,630 SH   SOLE   0 0 126,630
ISHARES TR S&P 500 GRWT ETF 464287309 516 2,487 SH   SOLE   0 0 2,487
ISHARES TR RUS 1000 ETF 464287622 3,979 23,177 SH   SOLE   0 0 23,177
ISHARES TR RUS 1000 GRW ETF 464287614 443 55,262 SH   SOLE   0 0 55,262
ISHARES TR RUSSELL 2000 ETF 464287655 2,986 38,048 SH   SOLE   0 0 38,048
ISHARES TR CORE MSCI TOTAL 46432F834 824 15,115 SH   SOLE   0 0 15,115
JOHNSON & JOHNSON COM 478160104 478 3,402 SH   SOLE   0 0 3,402
JPMORGAN CHASE & CO COM 46625H100 669 7,109 SH   SOLE   0 0 7,109
ISHARES TR IBOXX INV CP ETF 464287242 1,669 12,412 SH   SOLE   0 0 12,412
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 379 1,167 SH   SOLE   0 0 1,167
3M CO COM 88579Y101 396 2,538 SH   SOLE   0 0 2,538
MERCK & CO. INC COM 58933Y105 269 3,480 SH   SOLE   0 0 3,480
MICROSOFT CORP COM 594918104 1,020 5,011 SH   SOLE   0 0 5,011
ISHARES TR NATIONAL MUN ETF 464288414 11,166 96,756 SH   SOLE   0 0 96,756
OCWEN FINL CORP COM NEW 675746309 8 12,000 SH   SOLE   0 0 12,000
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 266 5,420 SH   SOLE   0 0 5,420
PEPSICO INC COM 713448108 368 2,783 SH   SOLE   0 0 2,783
PFIZER INC COM 717081103 465 14,234 SH   SOLE   0 0 14,234
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 518 17,507 SH   SOLE   0 0 17,507
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,063 20,211 SH   SOLE   0 0 20,211
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 402 5,423 SH   SOLE   0 0 5,423
ISHARES TR EAFE SML CP ETF 464288273 2,670 49,788 SH   SOLE   0 0 49,788
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 29 29,383 SH   SOLE   0 0 29,383
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 819 24,483 SH   SOLE   0 0 24,483
S&P GLOBAL INC COM 78409V104 213 646 SH   SOLE   0 0 646
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,489 61,980 SH   SOLE   0 0 61,980
ISHARES TR SHRT NAT MUN ETF 464288158 4,754 44,079 SH   SOLE   0 0 44,079
AT&T INC COM 00206R102 334 11,050 SH   SOLE   0 0 11,050
ISHARES TR MSCI MIN VOL ETF 46429B697 77 31,888 SH   SOLE   0 0 31,888
VISA INC COM CL A 92826C839 268 1,387 SH   SOLE   0 0 1,387
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,154 28,505 SH   SOLE   0 0 28,505
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 1,637 42,212 SH   SOLE   0 0 42,212
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 370 7,762 SH   SOLE   0 0 7,762
VANGUARD INDEX FDS MID CAP ETF 922908629 6,758 41,232 SH   SOLE   0 0 41,232
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,906 12,180 SH   SOLE   0 0 12,180
VANGUARD INDEX FDS GROWTH ETF 922908736 414 2,050 SH   SOLE   0 0 2,050
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,941 74,243 SH   SOLE   0 0 74,243
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 495 6,279 SH   SOLE   0 0 6,279
VERIZON COMMUNICATIONS INC COM 92343V104 397 7,209 SH   SOLE   0 0 7,209
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198 284 6,873 SH   SOLE   0 0 6,873
EXXON MOBIL CORP COM 30231G102 206 4,603 SH   SOLE   0 0 4,603
ZIOPHARM ONCOLOGY INC COM 98973P101 39 12,000 SH   SOLE   0 0 12,000