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
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 849 15,064 SH   SOLE   0 0 15,064
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 487 19,988 SH   SOLE   0 0 19,988
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 871 17,097 SH   SOLE   0 0 17,097
PIMCO ETF TR ACTIVE BD ETF 72201R775 1,050 9,406 SH   SOLE   0 0 9,406
MASTERCARD INCORPORATED CL A 57636Q104 377 1,276 SH   SOLE   0 0 1,276
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,215 7,185 SH   SOLE   0 0 7,185
DISNEY WALT CO COM DISNEY 254687106 454 4,072 SH   SOLE   0 0 4,072
SELECT SECTOR SPDR TR ENERGY 81369Y506 403 10,645 SH   SOLE   0 0 10,645
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 32,829 524,425 SH   SOLE   0 0 524,425
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619 2,355 79,187 SH   SOLE   0 0 79,187
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 2,915 49,708 SH   SOLE   0 0 49,708
PEPSICO INC COM 713448108 217 1,637 SH   SOLE   0 0 1,637
AMAZON COM INC COM 023135106 999 362 SH   SOLE   0 0 362
VANGUARD WORLD FDS UTILITIES ETF 92204A876 689 5,567 SH   SOLE   0 0 5,567
APPLE INC COM 037833100 8,202 22,485 SH   SOLE   0 0 22,485
TARGET CORP COM 87612E106 269 2,243 SH   SOLE   0 0 2,243
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 1,994 62,877 SH   SOLE   0 0 62,877
MERCK & CO. INC COM 58933Y105 291 3,762 SH   SOLE   0 0 3,762
ORACLE CORP COM 68389X105 823 14,884 SH   SOLE   0 0 14,884
TEXAS INSTRS INC COM 882508104 270 2,128 SH   SOLE   0 0 2,128
BOEING CO COM 097023105 468 2,551 SH   SOLE   0 0 2,551
PROCTER AND GAMBLE CO COM 742718109 293 2,449 SH   SOLE   0 0 2,449
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,859 34,402 SH   SOLE   0 0 34,402
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 834 6,416 SH   SOLE   0 0 6,416
WALMART INC COM 931142103 544 4,542 SH   SOLE   0 0 4,542
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 1,412 9,441 SH   SOLE   0 0 9,441
WISDOMTREE TR JAPN HEDGE EQT 97717W851 401 8,533 SH   SOLE   0 0 8,533
INTEL CORP COM 458140100 585 9,780 SH   SOLE   0 0 9,780
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 4,036 81,459 SH   SOLE   0 0 81,459
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 21,330 898,487 SH   SOLE   0 0 898,487
ISHARES TR MSCI KLD400 SOC 464288570 375 3,174 SH   SOLE   0 0 3,174
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 2,262 62,394 SH   SOLE   0 0 62,394
CISCO SYS INC COM 17275R102 1,020 21,859 SH   SOLE   0 0 21,859
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,057 21,017 SH   SOLE   0 0 21,017
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 66,066 899,224 SH   SOLE   0 0 899,224
JPMORGAN CHASE & CO COM 46625H100 350 3,722 SH   SOLE   0 0 3,722
ISHARES TR U.S. FINLS ETF 464287788 1,071 9,721 SH   SOLE   0 0 9,721
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 4,190 60,996 SH   SOLE   0 0 60,996
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 1,143 5,298 SH   SOLE   0 0 5,298
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 1,820 31,814 SH   SOLE   0 0 31,814
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 1,346 6,730 SH   SOLE   0 0 6,730
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 21,590 453,479 SH   SOLE   0 0 453,479
VANGUARD STAR FDS VG TL INTL STK F 921909768 5,484 111,534 SH   SOLE   0 0 111,534
VISA INC COM CL A 92826C839 277 1,433 SH   SOLE   0 0 1,433
VANGUARD INDEX FDS MID CAP ETF 922908629 1,176 7,178 SH   SOLE   0 0 7,178
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 996 12,679 SH   SOLE   0 0 12,679
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 37,717 1,267,813 SH   SOLE   0 0 1,267,813
FACEBOOK INC CL A 30303M102 270 1,190 SH   SOLE   0 0 1,190
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 3,525 152,316 SH   SOLE   0 0 152,316
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 5,523 149,921 SH   SOLE   0 0 149,921
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 13,138 125,731 SH   SOLE   0 0 125,731
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 2,532 13,142 SH   SOLE   0 0 13,142
VANGUARD WORLD FDS MATERIALS ETF 92204A801 560 4,641 SH   SOLE   0 0 4,641
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 4,051 36,264 SH   SOLE   0 0 36,264
HOME DEPOT INC COM 437076102 546 2,180 SH   SOLE   0 0 2,180
ISHARES TR MSCI AC ASIA ETF 464288182 408 5,905 SH   SOLE   0 0 5,905
NETFLIX INC COM 64110L106 1,059 2,328 SH   SOLE   0 0 2,328
AMGEN INC COM 031162100 237 1,005 SH   SOLE   0 0 1,005
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 16,046 603,442 SH   SOLE   0 0 603,442
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 670 19,233 SH   SOLE   0 0 19,233
TESLA INC COM 88160R101 755 699 SH   SOLE   0 0 699
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,215 21,528 SH   SOLE   0 0 21,528
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 37,376 345,088 SH   SOLE   0 0 345,088
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,540 67,021 SH   SOLE   0 0 67,021
MICROSOFT CORP COM 594918104 1,453 7,137 SH   SOLE   0 0 7,137
ISHARES TR RUS 1000 ETF 464287622 650 3,784 SH   SOLE   0 0 3,784
VANGUARD WORLD FDS INF TECH ETF 92204A702 4,219 15,137 SH   SOLE   0 0 15,137
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 5,359 57,601 SH   SOLE   0 0 57,601
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 6,558 65,534 SH   SOLE   0 0 65,534
ISHARES INC MLT FCTR EMG MKT 46434G889 3,787 96,136 SH   SOLE   0 0 96,136
APPLIED MATLS INC COM 038222105 386 6,378 SH   SOLE   0 0 6,378
ALPHABET INC CAP STK CL A 02079K305 499 352 SH   SOLE   0 0 352
MCCORMICK & CO INC COM NON VTG 579780206 229 1,276 SH   SOLE   0 0 1,276
ISHARES TR MULTIFACTOR INTL 46434V274 16,510 720,311 SH   SOLE   0 0 720,311
ALPHABET INC CAP STK CL C 02079K107 331 234 SH   SOLE   0 0 234
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 12,842 324,220 SH   SOLE   0 0 324,220
FLUIDIGM CORP DEL COM 34385P108 70 17,400 SH   SOLE   0 0 17,400
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 588 11,584 SH   SOLE   0 0 11,584
EVOFEM BIOSCIENCES INC COM 30048L104 142 50,000 SH   SOLE   0 0 50,000
ISHARES TR CORE S&P500 ETF 464287200 316 1,020 SH   SOLE   0 0 1,020
ISHARES INC MSCI JPN ETF NEW 46434G822 207 3,775 SH   SOLE   0 0 3,775
PAYPAL HLDGS INC COM 70450Y103 520 2,982 SH   SOLE   0 0 2,982
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 5,071 39,708 SH   SOLE   0 0 39,708
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 4,240 139,991 SH   SOLE   0 0 139,991
ISHARES TR EUROPE ETF 464287861 1,338 33,127 SH   SOLE   0 0 33,127
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 792 8,324 SH   SOLE   0 0 8,324