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
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 264 4,545 SH   SOLE   0 0 4,545
ISHARES TR RUS MDCP VAL ETF 464287473 2,907 26,594 SH   SOLE   0 0 26,594
ISHARES TR RUS MID CAP ETF 464287499 977 13,217 SH   SOLE   0 0 13,217
ISHARES TR RUS 1000 ETF 464287622 64,794 289,478 SH   SOLE   0 0 289,478
ISHARES TR RUSSELL 2000 ETF 464287655 5,565 25,188 SH   SOLE   0 0 25,188
ISHARES TR RUSSELL 3000 ETF 464287689 17,105 72,102 SH   SOLE   0 0 72,102
ISHARES TR MSCI ACWI EX US 464288240 2,147 38,907 SH   SOLE   0 0 38,907
ISHARES TR JPMORGAN USD EMG 464288281 977 8,974 SH   SOLE   0 0 8,974
ISHARES TR NATIONAL MUN ETF 464288414 13,718 118,207 SH   SOLE   0 0 118,207
ISHARES TR IBOXX HI YD ETF 464288513 2,892 33,172 SH   SOLE   0 0 33,172
ISHARES TR MSCI USA MIN VOL 46429B697 14,388 207,946 SH   SOLE   0 0 207,946
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,453 56,386 SH   SOLE   0 0 56,386
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 538 5,603 SH   SOLE   0 0 5,603
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,187 23,132 SH   SOLE   0 0 23,132
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 12,838 444,058 SH   SOLE   0 0 444,058
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,227 15,615 SH   SOLE   0 0 15,615
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 11,899 196,100 SH   SOLE   0 0 196,100
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 1,352 7,582 SH   SOLE   0 0 7,582
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 7,517 40,589 SH   SOLE   0 0 40,589