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
3M CO COM 88579Y101 408 2,336 SH   SOLE   0 0 2,336
VanEck Vectors High Yield Muni ETF ETF 92189H409 436 7,088 SH   SOLE   0 0 7,088
VanEck Vectors J.P. Morgan EM Local Currency Bond ETF ETF 92189H300 827 24,862 SH   SOLE   0 0 24,862
Vanguard FTSE Developed Markets ETF ETF 921943858 8,086 171,268 SH   SOLE   0 0 171,268
Vanguard FTSE Emerging Markets ETF ETF 922042858 2,474 49,372 SH   SOLE   0 0 49,372
VANGUARD INDEX FDS VALUE ETF 922908744 2,013 16,929 SH   SOLE   0 0 16,929
VANGUARD INDEX FDS GROWTH ETF 922908736 1,841 7,267 SH   SOLE   0 0 7,267
VANGUARD INDEX FDS SM CP VAL ETF 922908611 446 3,137 SH   SOLE   0 0 3,137
Vanguard Short-Term Inflation-Protected Securities ETF ETF 922020805 540 10,562 SH   SOLE   0 0 10,562
Vanguard Small-Cap Growth ETF ETF 922908595 313 1,170 SH   SOLE   0 0 1,170
VANGUARD STAR FDS VG TL INTL STK F 921909768 291 4,845 SH   SOLE   0 0 4,845
Vanguard Tax-Exempt Bond Index ETF ETF 922907746 273 4,942 SH   SOLE   0 0 4,942
Vanguard Total Bond Market ETF ETF 921937835 3,781 42,878 SH   SOLE   0 0 42,878
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 533 2,384 SH   SOLE   0 0 2,384
VICTORY PORTFOLIOS II VCSHS US EQ INCM 92647N824 2,603 48,366 SH   SOLE   0 0 48,366
Ecolab Inc ETF 278865100 235 1,084 SH   SOLE   0 0 1,084
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 300 5,189 SH   SOLE   0 0 5,189
INTEL CORP COM 458140100 938 18,823 SH   SOLE   0 0 18,823
Invesco S&P 500 Equal Weight ETF ETF 46137V357 1,026 8,048 SH   SOLE   0 0 8,048
iShares Core MSCI EAFE ETF ETF 46432F842 935 13,536 SH   SOLE   0 0 13,536
iShares Core MSCI Emerging Markets ETF ETF 46434G103 208 3,350 SH   SOLE   0 0 3,350
iShares JP Morgan USD Emerging Markets Bond ETF ETF 464288281 816 7,044 SH   SOLE   0 0 7,044
iShares National Muni Bond ETF ETF 464288414 1,457 12,428 SH   SOLE   0 0 12,428
ISHARES TR CORE S&P500 ETF 464287200 15,842 42,202 SH   SOLE   0 0 42,202
ISHARES TR MSCI EAFE ETF 464287465 10,972 150,387 SH   SOLE   0 0 150,387
ISHARES TR CORE S&P US VLU 464287663 9,118 146,609 SH   SOLE   0 0 146,609
ISHARES TR CORE US AGGBD ET 464287226 8,302 70,243 SH   SOLE   0 0 70,243
ISHARES TR IBOXX INV CP ETF 464287242 7,802 56,486 SH   SOLE   0 0 56,486
ISHARES TR MSCI EMG MKT ETF 464287234 6,279 121,522 SH   SOLE   0 0 121,522
ISHARES TR RUSSELL 2000 ETF 464287655 5,940 30,297 SH   SOLE   0 0 30,297
ISHARES TR EAFE VALUE ETF 464288877 5,803 122,946 SH   SOLE   0 0 122,946
ISHARES TR CORE 1 5 YR USD 46432F859 3,795 73,480 SH   SOLE   0 0 73,480
ISHARES TR CORE INTL AGGR 46435G672 3,590 63,861 SH   SOLE   0 0 63,861
ISHARES TR SP SMCP600VL ETF 464287879 3,279 40,328 SH   SOLE   0 0 40,328
ISHARES TR IBOXX HI YD ETF 464288513 1,394 15,968 SH   SOLE   0 0 15,968
ISHARES TR GOV/CRED BD ETF 464288596 1,088 8,643 SH   SOLE   0 0 8,643
ISHARES TR CORE DIV GRWTH 46434V621 654 14,591 SH   SOLE   0 0 14,591
ISHARES TR ISHS 1-5YR INVS 464288646 549 9,949 SH   SOLE   0 0 9,949
ISHARES TR S&P 500 VAL ETF 464287408 489 3,815 SH   SOLE   0 0 3,815
ISHARES TR S&P 500 GRWT ETF 464287309 437 6,835 SH   SOLE   0 0 6,835
ISHARES TR RUS 2000 GRW ETF 464287648 391 1,364 SH   SOLE   0 0 1,364
ISHARES TR COHEN STEER REIT 464287564 381 7,068 SH   SOLE   0 0 7,068
ISHARES TR AGGRES ALLOC ETF 464289859 269 4,189 SH   SOLE   0 0 4,189
JOHNSON & JOHNSON COM 478160104 288 1,827 SH   SOLE   0 0 1,827
Schwab Short-Term U.S. Treasury ETF ETF 808524862 201 3,904 SH   SOLE   0 0 3,904
Schwab U.S. Large-Cap Growth ETF ETF 808524300 290 2,258 SH   SOLE   0 0 2,258
Schwab U.S. Large-Cap Value ETF ETF 808524409 420 7,056 SH   SOLE   0 0 7,056
Schwab US Large-Cap ETF ETF 808524201 9,759 107,300 SH   SOLE   0 0 107,300
Schwab US Small-Cap ETF ETF 808524607 2,469 27,742 SH   SOLE   0 0 27,742
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 428 12,089 SH   SOLE   0 0 12,089
TARGET CORP COM 87612E106 287 1,627 SH   SOLE   0 0 1,627
Xtrackers USD High Yield Corporate Bond ETF ETF 233051432 1,309 26,136 SH   SOLE   0 0 26,136