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
SPDR SER TR PORTFOLIO INTRMD 78464A375 1,720 47,108 SH   SOLE   0 0 47,108
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 3,666 102,294 SH   SOLE   0 0 102,294
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 654 6,425 SH   SOLE   0 0 6,425
ISHARES TR NATIONAL MUN ETF 464288414 962 8,284 SH   SOLE   0 0 8,284
MASTERCARD INCORPORATED CL A 57636Q104 610 1,754 SH   SOLE   0 0 1,754
ISHARES TR SHRT NAT MUN ETF 464288158 751 6,982 SH   SOLE   0 0 6,982
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,519 48,367 SH   SOLE   0 0 48,367
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 2,610 21,998 SH   SOLE   0 0 21,998
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 284 5,620 SH   SOLE   0 0 5,620
AMAZON COM INC COM 023135106 260 79 SH   SOLE   0 0 79
ISHARES TR MSCI USA MIN VOL 46429B697 787 10,701 SH   SOLE   0 0 10,701
ISHARES U S ETF TR BLACKROCK SHORT 46431W838 634 12,638 SH   SOLE   0 0 12,638
QUALCOMM INC COM 747525103 367 2,842 SH   SOLE   0 0 2,842
APPLE INC COM 037833100 902 6,378 SH   SOLE   0 0 6,378
ISHARES TR 10-20 YR TRS ETF 464288653 857 5,826 SH   SOLE   0 0 5,826
ISHARES TR MSCI USA QLT FCT 46432F339 490 3,720 SH   SOLE   0 0 3,720
LOWES COS INC COM 548661107 341 1,680 SH   SOLE   0 0 1,680
ISHARES TR U.S. MED DVC ETF 464288810 1,112 17,718 SH   SOLE   0 0 17,718
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,601 45,962 SH   SOLE   0 0 45,962
ISHARES TR MSCI USA SZE FT 46432F370 1,048 8,207 SH   SOLE   0 0 8,207
ISHARES TR U.S. TECH ETF 464287721 616 6,079 SH   SOLE   0 0 6,079
WISDOMTREE TR EM EX ST-OWNED 97717X578 7,983 213,906 SH   SOLE   0 0 213,906
ISHARES TR MSCI USA VALUE 46432F388 7,199 71,490 SH   SOLE   0 0 71,490
ISHARES TR CORE TOTAL USD 46434V613 6,373 119,707 SH   SOLE   0 0 119,707
ISHARES TR US TREAS BD ETF 46429B267 20,751 782,153 SH   SOLE   0 0 782,153
IQVIA HLDGS INC COM 46266C105 402 1,677 SH   SOLE   0 0 1,677
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 936 17,928 SH   SOLE   0 0 17,928
ISHARES TR 1 3 YR TREAS BD 464287457 215 2,490 SH   SOLE   0 0 2,490
EXXON MOBIL CORP COM 30231G102 2,067 35,144 SH   SOLE   0 0 35,144
DTE ENERGY CO COM 233331107 284 2,539 SH   SOLE   0 0 2,539
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 352 1,288 SH   SOLE   0 0 1,288
ISHARES TR BARCLAYS 7 10 YR 464287440 274 2,381 SH   SOLE   0 0 2,381
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102 1,168 38,808 SH   SOLE   0 0 38,808
VISA INC COM CL A 92826C839 267 1,200 SH   SOLE   0 0 1,200
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,596 23,408 SH   SOLE   0 0 23,408
SPDR SER TR PORTFOLIO LN COR 78464A367 1,527 48,682 SH   SOLE   0 0 48,682
VANGUARD INDEX FDS MID CAP ETF 922908629 275 1,163 SH   SOLE   0 0 1,163
ISHARES TR U.S. FIN SVC ETF 464287770 241 1,280 SH   SOLE   0 0 1,280
SPDR SER TR PORTFOLIO S&P500 78464A854 19,864 393,657 SH   SOLE   0 0 393,657
FACEBOOK INC CL A 30303M102 386 1,137 SH   SOLE   0 0 1,137
HOME DEPOT INC COM 437076102 256 781 SH   SOLE   0 0 781
ISHARES TR ESG AWR MSCI USA 46435G425 25,248 256,433 SH   SOLE   0 0 256,433
VANGUARD WORLD FD MEGA CAP INDEX 921910873 483 3,172 SH   SOLE   0 0 3,172
ISHARES TR AGGRES ALLOC ETF 464289859 365 5,224 SH   SOLE   0 0 5,224
UNITEDHEALTH GROUP INC COM 91324P102 210 538 SH   SOLE   0 0 538
VANGUARD WORLD FD MEGA GRWTH IND 921910816 700 2,983 SH   SOLE   0 0 2,983
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,892 30,235 SH   SOLE   0 0 30,235
ISHARES TR MSCI ACWI ETF 464288257 506 5,068 SH   SOLE   0 0 5,068
MICROSOFT CORP COM 594918104 507 1,799 SH   SOLE   0 0 1,799
ISHARES TR GLOBAL FINLS ETF 464287333 3,566 45,452 SH   SOLE   0 0 45,452
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 16,489 322,963 SH   SOLE   0 0 322,963
WP CAREY INC COM 92936U109 885 12,113 SH   SOLE   0 0 12,113
ALPHABET INC CAP STK CL A 02079K305 201 75 SH   SOLE   0 0 75
ISHARES TR FALN ANGLS USD 46435G474 6,851 227,540 SH   SOLE   0 0 227,540
SPDR SER TR PRTFLO S&P500 GW 78464A409 253 3,950 SH   SOLE   0 0 3,950
AMERISOURCEBERGEN CORP COM 03073E105 224 1,872 SH   SOLE   0 0 1,872
ISHARES TR MBS ETF 464288588 6,525 60,336 SH   SOLE   0 0 60,336
SPDR SER TR BLOMBERG INTL TR 78464A516 404 14,067 SH   SOLE   0 0 14,067
ENBRIDGE INC COM 29250N105 256 6,426 SH   SOLE   0 0 6,426
BOOKING HOLDINGS INC COM 09857L108 301 127 SH   SOLE   0 0 127
ALPHABET INC CAP STK CL C 02079K107 1,111 417 SH   SOLE   0 0 417
ISHARES TR BROAD USD HIGH 46435U853 542 13,063 SH   SOLE   0 0 13,063
ISHARES TR MSCI EAFE ETF 464287465 249 3,196 SH   SOLE   0 0 3,196
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 239 4,770 SH   SOLE   0 0 4,770
ISHARES TR EAFE VALUE ETF 464288877 10,359 203,721 SH   SOLE   0 0 203,721
ISHARES TR ISHS 1-5YR INVS 464288646 1,929 35,298 SH   SOLE   0 0 35,298
ASTRAZENECA PLC SPONSORED ADR 046353108 292 4,856 SH   SOLE   0 0 4,856
ISHARES TR EAFE GRWTH ETF 464288885 9,484 89,081 SH   SOLE   0 0 89,081
ISHARES TR MSCI USA MMENTM 46432F396 1,692 9,634 SH   SOLE   0 0 9,634
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 205 4,092 SH   SOLE   0 0 4,092
ISHARES TR 10+ YR INVST GRD 464289511 2,112 30,485 SH   SOLE   0 0 30,485
ISHARES TR 0-5YR HI YL CP 46434V407 1,276 27,916 SH   SOLE   0 0 27,916
VANGUARD INDEX FDS SM CP VAL ETF 922908611 306 1,806 SH   SOLE   0 0 1,806