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 16,438 534,403 SH   SOLE 131,260 0 403,143
iBonds Dec 2020 Corp COM 46434VAQ3 9,760 384,709 SH   SOLE 53,156 0 331,553
iBonds Dec 2021 Corp COM 46434VBK5 8,975 358,988 SH   SOLE 48,995 0 309,993
iBonds Dec 2022 Corp COM 46434VBA7 7,256 286,574 SH   SOLE 39,535 0 247,039
iBonds Dec 2019 Corp COM 46434VAU4 7,001 281,747 SH   SOLE 21,578 0 260,169
iShares MSCI USA Min Vol COM 46429B697 13,806 215,375 SH   SOLE 55,953 0 159,422
iShares MSCI USA Quality COM 46432F339 11,436 123,762 SH   SOLE 35,701 0 88,061
Invesco S&P 500 Quality COM 46137V241 3,849 114,766 SH   SOLE 32,184 0 82,582
Invesco S&P 500 Momentum COM 46138E339 4,237 104,398 SH   SOLE 29,220 0 75,178
iShares Core Dividend Growth COM 46434V621 3,909 99,879 SH   SOLE 26,100 0 73,779
iShares MSCI USA Momentum COM 46432F396 11,192 93,852 SH   SOLE 25,853 0 67,999
Invesco FTSE RAFI US 1000 COM 46137V613 10,435 88,540 SH   SOLE 24,244 0 64,296
iShares 1-3 Year Treasury COM 464287457 6,083 71,711 SH   SOLE 9,255 0 62,456
iShares Core High Dividend COM 46429B663 5,177 54,985 SH   SOLE 14,692 0 40,293
iBonds Mar 2020 Corp COM 46432FBC0 1,372 52,472 SH   SOLE 17,320 0 35,152
Vanguard FTSE All-World ex-US COM 922042775 2,171 43,510 SH   SOLE 9,290 0 34,220
iShares MSCI Min Vol Global COM 464286525 3,953 41,724 SH   SOLE 8,093 0 33,631
iShares MSCI EAFE Min Vol COM 46429B689 3,019 41,199 SH   SOLE 8,790 0 32,409
Voya Financial Inc. COM 929089100 1,959 35,975 SH   SOLE 11,121 0 24,854
Vanguard Mid-Cap Value COM 922908512 3,835 33,941 SH   SOLE 8,237 0 25,704
Southwest Airlines COM 844741108 1,774 32,848 SH   SOLE 10,444 0 22,404
Delta Air Lines COM 247361702 1,856 32,230 SH   SOLE 10,294 0 21,936
Royal Dutch Shell CL B COM 780259107 1,819 30,360 SH   SOLE 9,441 0 20,919
iShares Core S&P Small-Cap COM 464287804 2,081 26,731 SH   SOLE 6,049 0 20,682
iShares MSCI USA Value COM 46432F388 1,830 22,300 SH   SOLE 6,571 0 15,729
Vanguard Total Stock Market COM 922908769 3,364 22,281 SH   SOLE 6,360 0 15,921
Invesco FTSE RAFI US 1500 S/M COM 46137V597 2,644 20,829 SH   SOLE 4,001 0 16,828
Bandwidth Inc. COM 05988J103 1,348 20,706 SH   SOLE 0 0 20,706
Vanguard Value COM 922908744 2,215 19,841 SH   SOLE 4,897 0 14,944
Vanguard Mid-Cap COM 922908629 3,218 19,203 SH   SOLE 4,214 0 14,989
JP Morgan Chase & Co COM 46625H100 2,069 17,580 SH   SOLE 5,427 0 12,153
iShares MSCI Multifactor US Small COM 46434V290 587 14,717 SH   SOLE 852 0 13,865
SPDR SSGA US Large Cap Low Vol COM 78468R804 1,247 11,184 SH   SOLE 4,886 0 6,298
Apple Inc. COM 037833100 1,981 8,846 SH   SOLE 2,926 0 5,920
iShares MSCI International Quality COM 46434V456 258 8,698 SH   SOLE 497 0 8,201
Berkshire Hathaway Cl B COM 084670702 1,793 8,620 SH   SOLE 2,653 0 5,967
iShares MSCI Intl Dev Momentum COM 46434V449 242 8,248 SH   SOLE 455 0 7,793
Invesco FTSE RAFI Developed ex US COM 73936T789 253 6,378 SH   SOLE 339 0 6,039
CSX Corporation COM 126408103 405 5,848 SH   SOLE 0 0 5,848
Procter & Gamble COM 742718109 253 2,034 SH   SOLE 1,350 0 684
Alphabet Inc Cl C COM 02079K107 2,005 1,644 SH   SOLE 506 0 1,138
Amazon.com COM 023135106 1,663 958 SH   SOLE 305 0 653
Booking Holdings, Inc. COM 09857L108 1,790 912 SH   SOLE 288 0 624