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
AT&T INC COM 00206R102 290 6,989 SH   SOLE   0 0 6,989
APPLE INC COM 037833100 342 2,378 SH   SOLE   0 0 2,378
DBX ETF TR XTRAK MSCI EAFE 233051200 8,017 270,931 SH   SOLE   0 0 270,931
EXXON MOBIL CORP COM 30231G102 697 8,500 SH   SOLE   0 0 8,500
GENERAL ELECTRIC CO COM 369604103 2,642 88,668 SH   SOLE   0 0 88,668
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 1,004 38,367 SH   SOLE   0 0 38,367
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 1,095 23,402 SH   SOLE   0 0 23,402
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 8,963 298,852 SH   SOLE   0 0 298,852
ISHARES MSCI FRNTR100ETF 464286145 7,305 263,336 SH   SOLE   0 0 263,336
ISHARES MIN VOL EMRG MKT 464286533 1,018 19,034 SH   SOLE   0 0 19,034
ISHARES TR CORE S&P MCP ETF 464287507 5,583 32,606 SH   SOLE   0 0 32,606
ISHARES AGGRES ALLOC ETF 464289859 758 15,182 SH   SOLE   0 0 15,182
ISHARES GRWT ALLOCAT ETF 464289867 1,492 35,198 SH   SOLE   0 0 35,198
ISHARES CONSER ALLOC ETF 464289883 1,065 31,957 SH   SOLE   0 0 31,957
ISHARES TR MIN VOL EAFE ETF 46429B689 6,595 99,923 SH   SOLE   0 0 99,923
ISHARES TR MIN VOL USA ETF 46429B697 9,974 209,004 SH   SOLE   0 0 209,004
ISHARES TR USA QUALITY FCTR 46432F339 14,828 203,680 SH   SOLE   0 0 203,680
ISHARES TR USA VALUE FACTOR 46432F388 9,424 128,879 SH   SOLE   0 0 128,879
ISHARES TR MRNGSTR INC ETF 46432F875 2,789 110,801 SH   SOLE   0 0 110,801
ISHARES TR HDG MSCI EAFE 46434V803 1,189 43,201 SH   SOLE   0 0 43,201
NEW ENGLAND RLTY ASSOC LTD P DEPOSITRY RCPT 644206104 209 3,022 SH   SOLE   0 0 3,022
POWERSHARES ETF TRUST S&P 500 QLTY PRT 73935X682 1,283 46,868 SH   SOLE   0 0 46,868
SPDR SERIES TRUST WELLS FG PFD ETF 78464A292 1,705 38,788 SH   SOLE   0 0 38,788
SPDR SERIES TRUST BLMBRG BRC CNVRT 78464A359 1,864 38,750 SH   SOLE   0 0 38,750
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 2,972 37,281 SH   SOLE   0 0 37,281
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 9,025 229,656 SH   SOLE   0 0 229,656
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 11,404 287,105 SH   SOLE   0 0 287,105
VANGUARD INDEX FDS REIT ETF 922908553 6,632 80,296 SH   SOLE   0 0 80,296
VANGUARD INDEX FDS GROWTH ETF 922908736 229 1,880 SH   SOLE   0 0 1,880
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,683 57,643 SH   SOLE   0 0 57,643
VERIZON COMMUNICATIONS INC COM 92343V104 513 10,530 SH   SOLE   0 0 10,530