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
ISHARES TR CORE S&P500 ETF 464287200 107,681 347,707 SH   SOLE   0 0 347,707
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 61,002 1,572,634 SH   SOLE   0 0 1,572,634
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 38,657 329,891 SH   SOLE   0 0 329,891
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 37,034 499,778 SH   SOLE   0 0 499,778
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 34,566 1,161,889 SH   SOLE   0 0 1,161,889
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 30,290 342,878 SH   SOLE   0 0 342,878
J P MORGAN EXCHANGE-TRADED F JPMORGAN DIVER 46641Q407 27,396 394,815 SH   SOLE   0 0 394,815
ISHARES TR CORE S&P MCP ETF 464287507 24,586 138,262 SH   SOLE   0 0 138,262
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 17,177 433,663 SH   SOLE   0 0 433,663
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 13,129 233,454 SH   SOLE   0 0 233,454
VANGUARD INDEX FDS GROWTH ETF 922908736 10,860 53,736 SH   SOLE   0 0 53,736
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 10,749 207,716 SH   SOLE   0 0 207,716
ISHARES TR CORE S&P SCP ETF 464287804 9,341 136,784 SH   SOLE   0 0 136,784
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,949 121,802 SH   SOLE   0 0 121,802
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,821 25,364 SH   SOLE   0 0 25,364
ISHARES TR CORE MSCI EAFE 46432F842 7,067 123,640 SH   SOLE   0 0 123,640
APPLE INC COM 037833100 6,458 17,702 SH   SOLE   0 0 17,702
VANGUARD INDEX FDS VALUE ETF 922908744 6,196 62,219 SH   SOLE   0 0 62,219
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,788 237,707 SH   SOLE   0 0 237,707
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,281 65,515 SH   SOLE   0 0 65,515
ISHARES TR CORE US AGGBD ET 464287226 4,158 35,172 SH   SOLE   0 0 35,172
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,273 62,207 SH   SOLE   0 0 62,207
ISHARES TR CORE DIV GRWTH 46434V621 3,247 86,345 SH   SOLE   0 0 86,345
ISHARES TR RUSSELL 3000 ETF 464287689 2,475 13,744 SH   SOLE   0 0 13,744
ISHARES INC CORE MSCI EMKT 46434G103 1,693 35,559 SH   SOLE   0 0 35,559
MICROSOFT CORP COM 594918104 1,287 6,322 SH   SOLE   0 0 6,322
MONDELEZ INTL INC CL A 609207105 986 19,277 SH   SOLE   0 0 19,277
GENERAL MTRS CO COM 37045V100 959 37,901 SH   SOLE   0 0 37,901
PHILIP MORRIS INTL INC COM 718172109 948 13,532 SH   SOLE   0 0 13,532
ISHARES TR RUS 1000 GRW ETF 464287614 943 4,913 SH   SOLE   0 0 4,913
GRACO INC COM 384109104 761 15,850 SH   SOLE   0 0 15,850
ISHARES TR SP SMCP600VL ETF 464287879 666 5,537 SH   SOLE   0 0 5,537
ALTRIA GROUP INC COM 02209S103 568 14,480 SH   SOLE   0 0 14,480
INTERNATIONAL BUSINESS MACHS COM 459200101 364 3,016 SH   SOLE   0 0 3,016
ISHARES TR 1 3 YR TREAS BD 464287457 349 4,033 SH   SOLE   0 0 4,033
PROCTER AND GAMBLE CO COM 742718109 279 2,336 SH   SOLE   0 0 2,336
FORD MTR CO DEL COM 345370860 258 42,480 SH   SOLE   0 0 42,480
HONEYWELL INTL INC COM 438516106 246 1,702 SH   SOLE   0 0 1,702
PIMCO CORPORATE & INCOME STR COM 72200U100 241 15,250 SH   SOLE   0 0 15,250
CISCO SYS INC COM 17275R102 234 5,008 SH   SOLE   0 0 5,008
VANGUARD INDEX FDS TOTAL STK MKT 922908769 230 1,467 SH   SOLE   0 0 1,467
ILLINOIS TOOL WKS INC COM 452308109 215 1,227 SH   SOLE   0 0 1,227
DNP SELECT INCOME FD COM 23325P104 155 14,289 SH   SOLE   0 0 14,289
MATINAS BIOPHARMA HLDGS INC COM 576810105 8 10,000 SH   SOLE   0 0 10,000