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
Phillips Edison Grocery Center REIT I Inc COM 71844V102 2,228 201,596 SH   SOLE   0 0 201,596
Apple Inc COM 037833100 2,650 13,950 SH   SOLE   0 0 13,950
Abbott Laboratories COM 002824100 206 2,574 SH   SOLE   0 0 2,574
Accenture PLC COM G1151C101 216 1,228 SH   SOLE   0 0 1,228
iShares Edge MSCI Min Vol Global Index ETF COM 464286525 256 2,859 SH   SOLE   0 0 2,859
iShares MSCI ACWI ex US ETF COM 464288240 774 16,736 SH   SOLE   0 0 16,736
American Finance Trust Inc COM 02607T109 163 15,074 SH   SOLE   0 0 15,074
Amazon.com Inc COM 023135106 928 521 SH   SOLE   0 0 521
Vanguard Total International Bond Index Fund COM 92203J407 342 6,138 SH   SOLE   0 0 6,138
Berkshire Hathaway Inc COM 084670108 1,506 5 SH   SOLE   0 0 5
Berkshire Hathaway Inc COM 084670702 1,539 7,660 SH   SOLE   0 0 7,660
Citigroup Inc COM 172967424 326 5,247 SH   SOLE   0 0 5,247
Caterpillar Inc COM 149123101 301 2,218 SH   SOLE   0 0 2,218
Cullen/Frost Bankers Inc COM 229899109 3,230 33,270 SH   SOLE   0 0 33,270
CenturyLink Inc COM 156700106 298 24,829 SH   SOLE   0 0 24,829
Chevron Corp COM 166764100 202 1,643 SH   SOLE   0 0 1,643
Danone SA COM 23636T100 260 16,889 SH   SOLE   0 0 16,889
Deutsche X-trackers MSCI EAFE Hedged Equity ETF COM 233051200 62,610 2,005,444 SH   SOLE   0 0 2,005,444
WisdomTree SmallCap Dividend Fund COM 97717W604 453 16,442 SH   SOLE   0 0 16,442
Ishares Trust Dow Jones Select Dividend COM 464287168 286 2,914 SH   SOLE   0 0 2,914
iShares MSCI Emerging Markets ETF COM 464287234 5,653 131,703 SH   SOLE   0 0 131,703
Ishares Msci Eafe Index Fund COM 464287465 14,237 219,507 SH   SOLE   0 0 219,507
Ishares MSCI EAFE Growth Index Fund COM 464288885 293 3,787 SH   SOLE   0 0 3,787
Facebook Inc COM 30303M102 358 2,149 SH   SOLE   0 0 2,149
First Financial Bankshares Inc COM 32020R109 260 4,493 SH   SOLE   0 0 4,493
Fairfax Financial Holdings Ltd COM 303901102 249 538 SH   SOLE   0 0 538
Fortitude Group Inc COM 34960C100 0 50,000 SH   SOLE   0 0 50,000
Goldman Sachs TreasuryAccess 1 Year ETF COM 381430529 1,273 12,693 SH   SOLE   0 0 12,693
General Electric Co COM 369604103 105 10,462 SH   SOLE   0 0 10,462
SPDR Gold Shares COM 78463V107 275 2,250 SH   SOLE   0 0 2,250
General Motors Co COM 37045V100 262 7,059 SH   SOLE   0 0 7,059
Alphabet Inc COM 02079K107 316 269 SH   SOLE   0 0 269
Alphabet Inc COM 02079K305 565 480 SH   SOLE   0 0 480
Home Depot Inc COM 437076102 451 2,349 SH   SOLE   0 0 2,349
iShares Currency Hedged MSCI EAFE ETF COM 46434V803 15,569 539,286 SH   SOLE   0 0 539,286
Hartford Financial Services Group Inc COM 416515104 1,302 26,177 SH   SOLE   0 0 26,177
iShares Core MSCI EAFE ETF COM 46432F842 3,140 51,670 SH   SOLE   0 0 51,670
iShares Core MSCI Emerging Markets ETF COM 46434G103 31,585 610,820 SH   SOLE   0 0 610,820
Ishares S&P Midcap 400 Index Fund COM 464287507 703 3,714 SH   SOLE   0 0 3,714
iShares Core S&P Small-Cap ETF COM 464287804 2,233 28,950 SH   SOLE   0 0 28,950
Intel Corp COM 458140100 346 6,436 SH   SOLE   0 0 6,436
iShares Core US Value ETF COM 464287663 246 4,480 SH   SOLE   0 0 4,480
iShares S&P 500 Value ETF COM 464287408 383 3,395 SH   SOLE   0 0 3,395
Ishares S&P 500 COM 464287200 110,624 388,755 SH   SOLE   0 0 388,755
Ishares Trust S & P500/Bar COM 464287309 242 1,402 SH   SOLE   0 0 1,402
iShares Russell 1000 Index Fund COM 464287622 43,172 274,441 SH   SOLE   0 0 274,441
iShares Russell Microcap Index Fund COM 464288869 5,112 55,105 SH   SOLE   0 0 55,105
Ishares Trust Russell COM 464287598 514 4,164 SH   SOLE   0 0 4,164
Ishares Trust Russell 1000 COM 464287614 872 5,760 SH   SOLE   0 0 5,760
iShares Russell 2000 Index Fund COM 464287655 5,682 37,118 SH   SOLE   0 0 37,118
iShares Russell 2000 Value ETF COM 464287630 232 1,938 SH   SOLE   0 0 1,938
iShares Russell Mid-Cap Value ETF COM 464287473 324 3,728 SH   SOLE   0 0 3,728
iShares Russell 3000 Index Fund COM 464287689 10,304 61,812 SH   SOLE   0 0 61,812
iShares US Real Estate ETF COM 464287739 1,239 14,236 SH   SOLE   0 0 14,236
Johnson & Johnson COM 478160104 1,099 7,860 SH   SOLE   0 0 7,860
JPMorgan Chase & Co COM 46625H100 1,077 10,639 SH   SOLE   0 0 10,639
JPMorgan Ultra Short Income ETF COM 46641Q837 7,926 157,581 SH   SOLE   0 0 157,581
Kimberly-Clark Corp COM 494368103 259 2,089 SH   SOLE   0 0 2,089
Coca-Cola Co COM 191216100 273 5,835 SH   SOLE   0 0 5,835
Liberty Global PLC COM G5480U120 377 15,578 SH   SOLE   0 0 15,578
Lloyds Banking Group PLC COM 539439109 34 10,733 SH   SOLE   0 0 10,733
Mastercard Inc COM 57636Q104 245 1,041 SH   SOLE   0 0 1,041
Mcdonald's Corp COM 580135101 243 1,278 SH   SOLE   0 0 1,278
Magna International Inc COM 559222401 210 4,318 SH   SOLE   0 0 4,318
3M Co COM 88579Y101 270 1,298 SH   SOLE   0 0 1,298
Merck & Co Inc COM 58933Y105 323 3,888 SH   SOLE   0 0 3,888
Microsoft Corp COM 594918104 1,471 12,471 SH   SOLE   0 0 12,471
iShares MSCI USA Momentum Factor ETF COM 46432F396 281 2,506 SH   SOLE   0 0 2,506
PepsiCo Inc COM 713448108 286 2,336 SH   SOLE   0 0 2,336
Pfizer Inc COM 717081103 591 13,927 SH   SOLE   0 0 13,927
Procter & Gamble Co COM 742718109 279 2,683 SH   SOLE   0 0 2,683
Powershares Qqq Trust Series 1 COM 46090E103 467 2,598 SH   SOLE   0 0 2,598
iShares MSCI USA Quality Factor ETF COM 46432F339 82,646 933,331 SH   SOLE   0 0 933,331
iShares Global REIT ETF COM 46434V647 1,791 67,039 SH   SOLE   0 0 67,039
iShares FTSE NAREIT Residental Plus Capped Index Fund COM 464288562 448 6,336 SH   SOLE   0 0 6,336
SPDR DJ INTERNATIONAL REAL ESTATE ETF COM 78463X863 1,765 44,921 SH   SOLE   0 0 44,921
Schwab US Small-Cap ETF COM 808524607 1,097 15,694 SH   SOLE   0 0 15,694
Schwab US Broad Market ETF COM 808524102 18,566 272,836 SH   SOLE   0 0 272,836
Schwab US Large Cap Etf COM 808524888 5,956 184,669 SH   SOLE   0 0 184,669
Schwab US Dividend Equity ETF COM 808524797 1,194 22,840 SH   SOLE   0 0 22,840
Schwab Emerging Markets Equity ETF COM 808524706 833 32,033 SH   SOLE   0 0 32,033
Schwab Strategic Trust COM 808524805 1,649 52,662 SH   SOLE   0 0 52,662
Schwab US REIT ETF COM 808524847 5,378 121,047 SH   SOLE   0 0 121,047
Schwab Short Term Us Treasury Etf COM 808524862 7,661 152,640 SH   SOLE   0 0 152,640
Schwab US Large-Cap Value ETF COM 808524409 609 11,120 SH   SOLE   0 0 11,120
Schwab US Large-Cap ETF COM 808524201 3,960 58,571 SH   SOLE   0 0 58,571
Ishares Msci Eafe Small Cap Index Fund COM 464288273 10,811 188,208 SH   SOLE   0 0 188,208
Solaredge Technologies Inc COM 83417M104 237 6,300 SH   SOLE   0 0 6,300
Ishares Trust Lehman 1 3yr COM 464287457 5,510 65,496 SH   SOLE   0 0 65,496
PowerShares S&P 500 High Div Low Volatility Port COM 46138E362 915 21,544 SH   SOLE   0 0 21,544
PowerShares S&P 500 Low Volatility Portfolio COM 46138E354 1,782 33,861 SH   SOLE   0 0 33,861
SPDR S&P 500 ETF Trust COM 78462F103 913 3,231 SH   SOLE   0 0 3,231
Solar Wind Energy Tower Inc COM 83416V105 0 100,000 SH   SOLE   0 0 100,000
AT&T Inc COM 00206R102 371 11,830 SH   SOLE   0 0 11,830
Tortoise North American Pipeline Fund ETF COM 56167N720 30,847 1,291,748 SH   SOLE   0 0 1,291,748
Texas Instruments Inc COM 882508104 273 2,574 SH   SOLE   0 0 2,574
United Microelectronics Corp COM 910873405 36 19,372 SH   SOLE   0 0 19,372
UnitedHealth Group Inc COM 91324P102 247 997 SH   SOLE   0 0 997
iShares Edge MSCI Min Vol USA Index ETF COM 46429B697 296 5,038 SH   SOLE   0 0 5,038
Visa Inc COM 92826C839 301 1,927 SH   SOLE   0 0 1,927
Vanguard Small-Cap Index Fund COM 922908751 32,740 214,270 SH   SOLE   0 0 214,270
Vanguard Small Cap Value ETF COM 922908611 310 2,407 SH   SOLE   0 0 2,407
Vanguard Developed Markets Index Fund COM 921943858 30,956 757,430 SH   SOLE   0 0 757,430
Vanguard FTSE All World ex US Index Investor COM 922042775 11,648 232,259 SH   SOLE   0 0 232,259
Vanguard European Stock Index Fund COM 922042874 232 4,335 SH   SOLE   0 0 4,335
Vanguard Short Term Government Bond Etf COM 92206C102 52,368 866,736 SH   SOLE   0 0 866,736
Vanguard REIT Index Fund COM 922908553 33,296 383,106 SH   SOLE   0 0 383,106
Vodafone Group PLC COM 92857W308 290 15,943 SH   SOLE   0 0 15,943
Vanguard 500 Index Fund COM 922908363 38,469 148,219 SH   SOLE   0 0 148,219
Vanguard FTSE Pacific ETF COM 922042866 249 3,775 SH   SOLE   0 0 3,775
Vanguard FTSE All World Ex US Small Cap ETF COM 922042718 242 2,324 SH   SOLE   0 0 2,324
Vanguard Russell 3000 ETF COM 92206C599 1,068 8,251 SH   SOLE   0 0 8,251
Vanguard Growth Index Fund COM 922908736 404 2,583 SH   SOLE   0 0 2,583
Vanguard Emerging Markets Stock Index Fund COM 922042858 4,569 107,517 SH   SOLE   0 0 107,517
Vanguard High Dividend Yield Index Fund COM 921946406 939 10,957 SH   SOLE   0 0 10,957
Verizon Communications Inc COM 92343V104 239 4,042 SH   SOLE   0 0 4,042
Wells Fargo & Co COM 949746101 234 4,844 SH   SOLE   0 0 4,844
Walmart Inc COM 931142103 503 5,160 SH   SOLE   0 0 5,160
iShares S&P Developed ex-U.S. Property Index Fund COM 464288422 308 7,919 SH   SOLE   0 0 7,919
Weyerhaeuser Co COM 962166104 501 19,009 SH   SOLE   0 0 19,009
Exxon Mobil Corp COM 30231G102 416 5,152 SH   SOLE   0 0 5,152
Vanguard Financials Etf COM 92204A405 537 8,318 SH   SOLE   0 0 8,318