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
SPDR Floating Rate Bond COM 78468R200 17,160 558,961 SH   SOLE 145,505 0 413,456
iBonds Dec 2020 Corp COM 46434VAQ3 9,129 361,767 SH   SOLE 50,966 0 310,801
iBonds Dec 2021 Corp COM 46434VBK5 8,535 345,253 SH   SOLE 50,427 0 294,826
iBonds Dec 2022 Corp COM 46434VBA7 7,333 294,395 SH   SOLE 40,624 0 253,771
iBonds Dec 2019 Corp COM 46434VAU4 7,212 290,102 SH   SOLE 22,665 0 267,437
iShares MSCI USA Min Vol COM 46429B697 13,345 226,959 SH   SOLE 61,308 0 165,651
iShares Floating Rate Bond COM 46429B655 6,566 128,964 SH   SOLE 34,513 0 94,451
iShares MSCI USA Value COM 46432F388 7,617 95,373 SH   SOLE 28,208 0 67,165
Invesco FTSE RAFI US 1000 COM 46137V613 10,292 90,784 SH   SOLE 25,675 0 65,109
iShares MSCI USA Quality COM 46432F339 7,932 89,576 SH   SOLE 24,488 0 65,088
iShares MSCI USA Momentum COM 46432F396 9,834 87,665 SH   SOLE 25,817 0 61,848
Vanguard Value COM 922908744 8,310 77,211 SH   SOLE 22,131 0 55,080
iShares 1-3 Year Treasury COM 464287457 6,299 74,883 SH   SOLE 10,440 0 64,443
iBonds Mar 2020 Corp COM 46432FBC0 1,395 53,492 SH   SOLE 17,460 0 36,032
Vanguard FTSE All-World ex-US COM 922042775 2,352 46,906 SH   SOLE 10,260 0 36,646
iShares MSCI Min Vol Global COM 464286525 3,912 43,718 SH   SOLE 8,538 0 35,180
iShares MSCI EAFE Min Vol COM 46429B689 3,086 42,856 SH   SOLE 9,048 0 33,808
iShares Core MSCI Total Intl COM 46432F834 2,219 38,204 SH   SOLE 8,309 0 29,895
Voya Financial Inc. COM 929089100 1,885 37,735 SH   SOLE 11,842 0 25,893
Vanguard Mid-Cap Value COM 922908512 3,856 35,745 SH   SOLE 8,665 0 27,080
Southwest Airlines COM 844741108 1,795 34,570 SH   SOLE 10,971 0 23,599
Invesco S&P 500 Momentum COM 46138E339 1,351 34,407 SH   SOLE 12,480 0 21,927
Delta Air Lines COM 247361702 1,641 31,765 SH   SOLE 9,715 0 22,050
iShares Core S&P Small-Cap COM 464287804 2,168 28,106 SH   SOLE 6,377 0 21,729
Alaska Air Group COM 011659109 1,327 23,651 SH   SOLE 7,260 0 16,391
Bandwidth Inc. COM 05988J103 1,524 22,756 SH   SOLE 19,209 0 1,162,927
Citigroup COM 172967424 1,414 22,729 SH   SOLE 7,450 0 15,279
Vanguard Total Stock Market COM 922908769 3,152 21,781 SH   SOLE 6,210 0 15,571
Invesco FTSE RAFI US 1500 S/M COM 46137V597 2,755 21,589 SH   SOLE 4,177 0 17,412
Vanguard Mid-Cap COM 922908629 3,306 20,563 SH   SOLE 4,503 0 16,060
JP Morgan Chase & Co COM 46625H100 1,901 18,780 SH   SOLE 5,746 0 13,034
Pepsico COM 713448108 2,012 16,421 SH   SOLE 5,305 0 11,116
Invesco FTSE RAFI Developed ex US COM 73936T789 584 14,405 SH   SOLE 840 0 13,565
iShares MSCI Multifactor US Small COM 46434V290 570 14,212 SH   SOLE 852 0 13,360
Apple Inc. COM 037833100 1,787 9,409 SH   SOLE 3,105 0 6,304
Berkshire Hathaway Cl B COM 084670702 1,809 9,004 SH   SOLE 2,812 0 6,192
WisdomTree U.S. Multifactor COM 97717Y857 257 8,867 SH   SOLE 0 0 8,867
iBonds Dec 2023 Corp COM 46434VAX8 208 8,306 SH   SOLE 1,000 0 7,306
iShares MSCI International Quality COM 46434V456 237 8,131 SH   SOLE 497 0 7,634
CSX Corporation COM 126408103 438 5,848 SH   SOLE 0 0 5,848
Alphabet Inc Cl C COM 02079K107 2,054 1,751 SH   SOLE 545 0 1,206
Amazon.com COM 023135106 1,786 1,003 SH   SOLE 325 0 678
Booking Holdings, Inc. COM 09857L108 1,645 943 SH   SOLE 303 0 640