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
ISHARES TR RUS 1000 ETF 464287622 32,409 228,992 SH   SOLE 0 0 0 228,992
ISHARES TR RUSSELL 3000 ETF 464287689 19,876 133,997 SH   SOLE 0 0 0 133,997
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,137 4,413 SH   SOLE 0 0 0 4,413
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 410 7,403 SH   SOLE 0 0 0 7,403
JOHNSON & JOHNSON COM 478160104 231 1,763 SH   SOLE 0 0 0 1,763
MICROSOFT CORP COM 594918104 247 1,568 SH   SOLE 0 0 0 1,568
CITIGROUP INC COM NEW 172967424 492 11,686 SH   SOLE 0 0 0 11,686
SPDR SER TR S&P 600 SMCP VAL 78464A300 6,735 164,823 SH   SOLE 0 0 0 164,823
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 40,187 388,698 SH   SOLE 0 0 0 388,698
COSTCO WHSL CORP NEW COM 22160K105 237 830 SH   SOLE 0 0 0 830
DANAHER CORPORATION COM 235851102 201 1,450 SH   SOLE 0 0 0 1,450
GENERAL ELECTRIC CO COM 369604103 171 21,512 SH   SOLE 0 0 0 21,512
TJX COS INC NEW COM 872540109 822 17,200 SH   SOLE 0 0 0 17,200
ISHARES TR 1 3 YR TREAS BD 464287457 790 9,113 SH   SOLE 0 0 0 9,113
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,456 34,563 SH   SOLE 0 0 0 34,563
APPLE INC COM 037833100 407 1,602 SH   SOLE 0 0 0 1,602
AMERICAN EXPRESS CO COM 025816109 252 2,940 SH   SOLE 0 0 0 2,940
ISHARES TR CORE US AGGBD ET 464287226 13,054 113,149 SH   SOLE 0 0 0 113,149
MANULIFE FINL CORP COM 56501R106 215 17,184 SH   SOLE 0 0 0 17,184
VANGUARD INDEX FDS VALUE ETF 922908744 23,132 259,738 SH   SOLE 0 0 0 259,738
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 7,005 138,109 SH   SOLE 0 0 0 138,109
SPDR SER TR S&P DIVID ETF 78464A763 2,808 35,159 SH   SOLE 0 0 0 35,159
THERMO FISHER SCIENTIFIC INC COM 883556102 252 890 SH   SOLE 0 0 0 890
SPDR SER TR NUVEEN BLMBRG SR 78468R739 5,790 118,415 SH   SOLE 0 0 0 118,415
ISHARES TR CORE S&P TTL STK 464287150 297 5,195 SH   SOLE 0 0 0 5,195
VANGUARD INDEX FDS LARGE CAP ETF 922908637 37,261 314,621 SH   SOLE 0 0 0 314,621
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548 606 53,384 SH   SOLE 0 0 0 53,384
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 7,050 86,723 SH   SOLE 0 0 0 86,723
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 537 13,089 SH   SOLE 0 0 0 13,089
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,768 24,985 SH   SOLE 0 0 0 24,985
ISHARES TR NATIONAL MUN ETF 464288414 2,143 18,967 SH   SOLE 0 0 0 18,967
SPDR SER TR NUVEEN BRC MUNIC 78468R721 2,222 44,442 SH   SOLE 0 0 0 44,442
ISHARES TR JPMORGAN USD EMG 464288281 7,156 74,020 SH   SOLE 0 0 0 74,020
ISHARES TR RESIDNL REAL EST 464288562 414 7,501 SH   SOLE 0 0 0 7,501
INVESCO EXCHANGE-TRADED FD T FTSE RAFI EMNG 46138E727 3,717 240,897 SH   SOLE 0 0 0 240,897
ISHARES TR SHRT NAT MUN ETF 464288158 11,609 109,213 SH   SOLE 0 0 0 109,213
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 509 5,138 SH   SOLE 0 0 0 5,138
GOLUB CAP BDC INC COM 38173M102 10,059 800,901 SH   SOLE 0 0 0 800,901
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 317 3,395 SH   SOLE 0 0 0 3,395
ISHARES TR CORE HIGH DV ETF 46429B663 1,450 20,270 SH   SOLE 0 0 0 20,270
ISHARES TR USA QUALITY FCTR 46432F339 1,063 13,113 SH   SOLE 0 0 0 13,113