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
Amazon.com Inc COM 023135106 489 244 SH   SOLE   0 0 244
American Finance Trust Inc COM 02607T109 1,173 76,836 SH   SOLE   0 0 76,836
Apple Inc COM 037833100 2,476 10,967 SH   SOLE   0 0 10,967
Berkshire Hathaway Inc COM 084670108 960 3 SH   SOLE   0 0 3
Berkshire Hathaway Inc COM 084670702 2,101 9,812 SH   SOLE   0 0 9,812
Caterpillar Inc COM 149123101 302 1,982 SH   SOLE   0 0 1,982
CenturyLink Inc COM 156700106 354 16,688 SH   SOLE   0 0 16,688
Cisco Systems Inc COM 17275R102 294 6,038 SH   SOLE   0 0 6,038
Coca-Cola Co COM 191216100 257 5,574 SH   SOLE   0 0 5,574
Cullen/Frost Bankers Inc COM 229899109 3,499 33,501 SH   SOLE   0 0 33,501
Danone SA COM 23636T100 245 15,867 SH   SOLE   0 0 15,867
Deutsche X-trackers MSCI EAFE Hedged Equity ETF COM 233051200 68,600 2,121,227 SH   SOLE   0 0 2,121,227
Exxon Mobil Corp COM 30231G102 1,140 13,414 SH   SOLE   0 0 13,414
Fairfax Financial Holdings Ltd COM 303901102 246 453 SH   SOLE   0 0 453
Financial Select Sector SPDR Fund COM 81369Y605 281 10,183 SH   SOLE   0 0 10,183
First Financial Bankshares Inc COM 32020R109 266 4,493 SH   SOLE   0 0 4,493
Fortitude Group Inc COM 34960C100 0 50,000 SH   SOLE   0 0 50,000
Goldman Sachs TreasuryAccess 1 Year ETF COM 381430529 1,275 12,730 SH   SOLE   0 0 12,730
Hartford Financial Services Group Inc COM 416515104 1,302 26,070 SH   SOLE   0 0 26,070
HollyFrontier Corp COM 436106108 245 3,502 SH   SOLE   0 0 3,502
Home Depot Inc COM 437076102 373 1,803 SH   SOLE   0 0 1,803
Intel Corp COM 458140100 239 5,050 SH   SOLE   0 0 5,050
iShares Barclays 1-3 Year Credit Bond Fund COM 464288646 278 5,356 SH   SOLE   0 0 5,356
iShares Core MSCI EAFE ETF COM 46432F842 634 9,896 SH   SOLE   0 0 9,896
iShares Core MSCI Emerging Markets ETF COM 46434G103 39,295 758,881 SH   SOLE   0 0 758,881
iShares Core S&P Small-Cap ETF COM 464287804 1,280 14,674 SH   SOLE   0 0 14,674
iShares Core US Value ETF COM 464287663 300 5,319 SH   SOLE   0 0 5,319
iShares Currency Hedged MSCI EAFE ETF COM 46434V803 14,712 491,378 SH   SOLE   0 0 491,378
iShares Edge MSCI Min Vol Global Index ETF COM 464286525 251 2,859 SH   SOLE   0 0 2,859
iShares Edge MSCI Min Vol USA Index ETF COM 46429B697 287 5,038 SH   SOLE   0 0 5,038
iShares FTSE NAREIT Residental Plus Capped Index Fund COM 464288562 619 9,850 SH   SOLE   0 0 9,850
Ishares MSCI EAFE Growth Index Fund COM 464288885 341 4,264 SH   SOLE   0 0 4,264
Ishares Msci Eafe Index Fund COM 464287465 17,729 260,759 SH   SOLE   0 0 260,759
Ishares Msci Eafe Small Cap Index Fund COM 464288273 3,247 52,139 SH   SOLE   0 0 52,139
iShares MSCI Emerging Markets ETF COM 464287234 6,312 147,057 SH   SOLE   0 0 147,057
iShares MSCI USA Momentum Factor ETF COM 46432F396 501 4,206 SH   SOLE   0 0 4,206
iShares MSCI USA Quality Factor ETF COM 46432F339 109,466 1,211,311 SH   SOLE   0 0 1,211,311
iShares Russell 1000 Index Fund COM 464287622 38,203 236,241 SH   SOLE   0 0 236,241
iShares Russell 2000 Index Fund COM 464287655 7,047 41,812 SH   SOLE   0 0 41,812
iShares Russell 2000 Value ETF COM 464287630 531 3,994 SH   SOLE   0 0 3,994
iShares Russell 3000 Index Fund COM 464287689 232 1,349 SH   SOLE   0 0 1,349
iShares Russell Microcap Index Fund COM 464288869 8,594 80,841 SH   SOLE   0 0 80,841
iShares Russell Mid-Cap Value ETF COM 464287473 662 7,332 SH   SOLE   0 0 7,332
Ishares S&P 500 COM 464287200 68,238 233,109 SH   SOLE   0 0 233,109
iShares S&P 500 Value ETF COM 464287408 469 4,053 SH   SOLE   0 0 4,053
iShares S&P Developed ex-U.S. Property Index Fund COM 464288422 1,318 35,636 SH   SOLE   0 0 35,636
Ishares S&P Midcap 400 Index Fund COM 464287507 365 1,815 SH   SOLE   0 0 1,815
iShares S&P SmallCap 600 Value Index Fund COM 464287879 296 1,776 SH   SOLE   0 0 1,776
Ishares Trust Dow Jones Select Dividend COM 464287168 291 2,914 SH   SOLE   0 0 2,914
Ishares Trust Lehman 1 3yr COM 464287457 927 11,162 SH   SOLE   0 0 11,162
Ishares Trust Russell COM 464287598 1,072 8,463 SH   SOLE   0 0 8,463
Ishares Trust Russell 1000 COM 464287614 1,234 7,910 SH   SOLE   0 0 7,910
Ishares Trust S & P500/Bar COM 464287309 235 1,326 SH   SOLE   0 0 1,326
iShares US Real Estate ETF COM 464287739 1,637 20,457 SH   SOLE   0 0 20,457
Johnson & Johnson COM 478160104 911 6,590 SH   SOLE   0 0 6,590
JPMorgan Chase & Co COM 46625H100 961 8,520 SH   SOLE   0 0 8,520
Kadant Inc COM 48282T104 216 2,000 SH   SOLE   0 0 2,000
Kimberly-Clark Corp COM 494368103 227 2,000 SH   SOLE   0 0 2,000
Liberty Global PLC COM G5480U120 372 13,194 SH   SOLE   0 0 13,194
Microsoft Corp COM 594918104 900 7,873 SH   SOLE   0 0 7,873
Pfizer Inc COM 717081103 435 9,871 SH   SOLE   0 0 9,871
Phillips Edison Grocery Center REIT I Inc COM 71844V102 137 12,442 SH   SOLE   0 0 12,442
Phillips Edison Grocery Center Reit II Inc COM 71844W100 2,327 102,063 SH   SOLE   0 0 102,063
PowerShares DWA Momentum Portfolio COM 46137V837 238 3,999 SH   SOLE   0 0 3,999
Powershares Qqq Trust Series 1 COM 46090E103 367 1,974 SH   SOLE   0 0 1,974
PowerShares S&P 500 High Div Low Volatility Port COM 46138E362 990 23,900 SH   SOLE   0 0 23,900
PowerShares S&P 500 Low Volatility Portfolio COM 46138E354 1,807 36,492 SH   SOLE   0 0 36,492
Prudential Financial Inc COM 744320102 296 2,926 SH   SOLE   0 0 2,926
Schwab Emerging Markets Equity ETF COM 808524706 1,274 49,535 SH   SOLE   0 0 49,535
Schwab Short Term Us Treasury Etf COM 808524862 3,211 64,785 SH   SOLE   0 0 64,785
Schwab Strategic Trust COM 808524805 1,025 30,558 SH   SOLE   0 0 30,558
Schwab US Dividend Equity ETF COM 808524797 1,283 24,211 SH   SOLE   0 0 24,211
Schwab US Large Cap Etf COM 808524888 591 16,563 SH   SOLE   0 0 16,563
Schwab US Large-Cap ETF COM 808524201 3,938 56,611 SH   SOLE   0 0 56,611
Schwab US REIT ETF COM 808524847 6,027 144,440 SH   SOLE   0 0 144,440
Schwab US Small-Cap ETF COM 808524607 1,041 13,667 SH   SOLE   0 0 13,667
Solar Wind Energy Tower Inc COM 83416V105 0 100,000 SH   SOLE   0 0 100,000
Solaredge Technologies Inc COM 83417M104 237 6,300 SH   SOLE   0 0 6,300
SPDR DJ INTERNATIONAL REAL ESTATE ETF COM 78463X863 6,932 181,240 SH   SOLE   0 0 181,240
SPDR Gold Shares COM 78463V107 254 2,250 SH   SOLE   0 0 2,250
SPDR S&P 500 ETF Trust COM 78462F103 1,007 3,464 SH   SOLE   0 0 3,464
SPDR S&P Midcap 400 ETF COM 78467Y107 202 550 SH   SOLE   0 0 550
SPX Corp COM 784635104 208 6,257 SH   SOLE   0 0 6,257
SPX FLOW Inc COM 78469X107 244 4,694 SH   SOLE   0 0 4,694
Tortoise North American Pipeline Fund ETF COM 56167N720 317 13,632 SH   SOLE   0 0 13,632
Vanguard 500 Index Fund COM 922908363 33,388 125,025 SH   SOLE   0 0 125,025
Vanguard Developed Markets Index Fund COM 921943858 28,107 649,574 SH   SOLE   0 0 649,574
Vanguard Emerging Markets Stock Index Fund COM 922042858 6,771 165,157 SH   SOLE   0 0 165,157
Vanguard European Stock Index Fund COM 922042874 252 4,485 SH   SOLE   0 0 4,485
Vanguard FTSE All World ex US Index Investor COM 922042775 392 7,530 SH   SOLE   0 0 7,530
Vanguard FTSE All World Ex US Small Cap ETF COM 922042718 865 7,712 SH   SOLE   0 0 7,712
Vanguard FTSE Pacific ETF COM 922042866 280 3,935 SH   SOLE   0 0 3,935
Vanguard Growth Index Fund COM 922908736 261 1,622 SH   SOLE   0 0 1,622
Vanguard REIT Index Fund COM 922908553 36,664 454,438 SH   SOLE   0 0 454,438
Vanguard Short Term Bond Index Fund COM 921937827 319 4,082 SH   SOLE   0 0 4,082
Vanguard Short Term Government Bond Etf COM 92206C102 48,463 811,239 SH   SOLE   0 0 811,239
Vanguard Small Cap Value ETF COM 922908611 465 3,336 SH   SOLE   0 0 3,336
Vanguard Small-Cap Index Fund COM 922908751 20,756 127,668 SH   SOLE   0 0 127,668
Vanguard Total International Bond Index Fund COM 92203J407 434 7,964 SH   SOLE   0 0 7,964
Vodafone Group PLC COM 92857W308 320 14,757 SH   SOLE   0 0 14,757
Walmart Inc COM 931142103 371 3,948 SH   SOLE   0 0 3,948
Weyerhaeuser Co COM 962166104 594 18,400 SH   SOLE   0 0 18,400
WisdomTree Emerging Markets High Dividend Fund COM 97717W315 262 5,990 SH   SOLE   0 0 5,990
WisdomTree MidCap Earnings Fund COM 97717W570 239 5,787 SH   SOLE   0 0 5,787
WisdomTree SmallCap Dividend Fund COM 97717W604 599 20,175 SH   SOLE   0 0 20,175
WisdomTree Total Dividend Fund COM 97717W109 218 2,272 SH   SOLE   0 0 2,272