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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   245,843 2,340 SH   SOLE   0 0 2,340
APPLE INC COM 037833100   365,743 2,212 SH   SOLE   0 0 2,212
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   290,077 4,524 SH   SOLE   0 0 4,524
INTEL CORP COM 458140100   556,941 18,778 SH   SOLE   0 0 18,778
INVITAE CORP COM 46185L103   20,305 15,500 SH   SOLE   0 0 15,500
ISHARES TR S&P 500 VAL ETF 464287408   722,101 4,719 SH   SOLE   0 0 4,719
ISHARES TR CORE 1 5 YR USD 46432F859   7,117,424 150,985 SH   SOLE   0 0 150,985
ISHARES TR MSCI EAFE ETF 464287465   15,660,564 212,145 SH   SOLE   0 0 212,145
ISHARES TR EAFE VALUE ETF 464288877   9,634,700 191,965 SH   SOLE   0 0 191,965
ISHARES TR ISHS 1-5YR INVS 464288646   387,113 7,655 SH   SOLE   0 0 7,655
ISHARES TR CORE S&P500 ETF 464287200   37,768,872 91,139 SH   SOLE   0 0 91,139
ISHARES TR S&P 500 GRWT ETF 464287309   379,595 5,898 SH   SOLE   0 0 5,898
ISHARES TR MSCI EMG MKT ETF 464287234   7,075,014 181,783 SH   SOLE   0 0 181,783
ISHARES TR RUSSELL 2000 ETF 464287655   9,011,692 50,787 SH   SOLE   0 0 50,787
ISHARES TR CORE INTL AGGR 46435G672   3,354,804 68,887 SH   SOLE   0 0 68,887
ISHARES TR IBOXX HI YD ETF 464288513   2,247,231 29,883 SH   SOLE   0 0 29,883
ISHARES TR CORE US AGGBD ET 464287226   10,709,109 107,564 SH   SOLE   0 0 107,564
ISHARES TR AGGRES ALLOC ETF 464289859   305,074 4,772 SH   SOLE   0 0 4,772
ISHARES TR SP SMCP600VL ETF 464287879   4,519,265 49,133 SH   SOLE   0 0 49,133
ISHARES TR RUS 2000 GRW ETF 464287648   266,653 1,172 SH   SOLE   0 0 1,172
ISHARES TR CORE S&P SCP ETF 464287804   280,457 2,950 SH   SOLE   0 0 2,950
ISHARES TR CORE S&P US VLU 464287663   16,881,946 227,213 SH   SOLE   0 0 227,213
ISHARES TR GOV/CRED BD ETF 464288596   341,381 3,235 SH   SOLE   0 0 3,235
ISHARES TR TIPS BD ETF 464287176   3,861,140 35,050 SH   SOLE   0 0 35,050
ISHARES TR COHEN STEER REIT 464287564   354,002 6,454 SH   SOLE   0 0 6,454
ISHARES TR 0-5 YR TIPS ETF 46429B747   10,540,261 106,338 SH   SOLE   0 0 106,338
ISHARES TR GRWT ALLOCAT ETF 464289867   235,382 4,680 SH   SOLE   0 0 4,680
ISHARES TR CORE DIV GRWTH 46434V621   743,522 14,576 SH   SOLE   0 0 14,576
ISHARES TR IBOXX INV CP ETF 464287242   3,510,037 32,061 SH   SOLE   0 0 32,061
JOHNSON & JOHNSON COM 478160104   430,315 2,629 SH   SOLE   0 0 2,629
SPDR GOLD TR GOLD SHS 78463V107   5,814,307 31,461 SH   SOLE   0 0 31,461
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   365,830 11,739 SH   SOLE   0 0 11,739
TARGET CORP COM 87612E106   200,499 1,223 SH   SOLE   0 0 1,223
VANGUARD INDEX FDS GROWTH ETF 922908736   528,439 2,129 SH   SOLE   0 0 2,129
VANGUARD INDEX FDS VALUE ETF 922908744   1,715,481 12,191 SH   SOLE   0 0 12,191
VANGUARD INDEX FDS SM CP VAL ETF 922908611   239,954 1,524 SH   SOLE   0 0 1,524
VANGUARD STAR FDS VG TL INTL STK F 921909768   323,099 5,745 SH   SOLE   0 0 5,745
VANGUARD WORLD FD ESG US STK ETF 921910733   227,247 3,165 SH   SOLE   0 0 3,165
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   589,822 2,372 SH   SOLE   0 0 2,372
VICTORY PORTFOLIOS II VCSHS US EQ INCM 92647N824   1,466,613 24,114 SH   SOLE   0 0 24,114