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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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
3M CO COM 88579Y101 249 1,134 SH   SOLE   0 0 1,134
ALTRIA GROUP INC COM 02209S103 200 3,209 SH   SOLE   0 0 3,209
APPLE INC COM 037833100 476 2,839 SH   SOLE   0 0 2,839
AT&T INC COM 00206R102 250 7,015 SH   SOLE   0 0 7,015
BANK AMER CORP COM 060505104 319 10,629 SH   SOLE   0 0 10,629
BERKSHIRE HATHAWAY INC DEL CL A 084670108 299 100 SH   SOLE   0 0 100
CHEVRON CORP NEW COM 166764100 299 2,618 SH   SOLE   0 0 2,618
CISCO SYS INC COM 17275R102 226 5,277 SH   SOLE   0 0 5,277
COLGATE PALMOLIVE CO COM 194162103 525 7,330 SH   SOLE   0 0 7,330
DISNEY WALT CO COM DISNEY 254687106 217 2,158 SH   SOLE   0 0 2,158
EXXON MOBIL CORP COM 30231G102 269 3,603 SH   SOLE   0 0 3,603
GLOBAL X FDS GLBL X MLP ETF 37950E473 527 62,062 SH   SOLE   0 0 62,062
HOME DEPOT INC COM 437076102 322 1,806 SH   SOLE   0 0 1,806
INTERNATIONAL BUSINESS MACHS COM 459200101 318 2,072 SH   SOLE   0 0 2,072
ISHARES TR 0-5YR HI YL CP 46434V407 3,148 67,281 SH   SOLE   0 0 67,281
ISHARES TR CORE S&P MCP ETF 464287507 234 1,248 SH   SOLE   0 0 1,248
ISHARES TR CORE S&P500 ETF 464287200 766 2,886 SH   SOLE   0 0 2,886
ISHARES TR FLTG RATE NT ETF 46429B655 916 17,987 SH   SOLE   0 0 17,987
ISHARES TR HDG MSCI EAFE 46434V803 1,046 36,407 SH   SOLE   0 0 36,407
ISHARES TR JPMORGAN USD EMG 464288281 1,816 16,095 SH   SOLE   0 0 16,095
ISHARES TR NATIONAL MUN ETF 464288414 1,736 15,936 SH   SOLE   0 0 15,936
ISHARES TR RUS 1000 GRW ETF 464287614 1,742 12,797 SH   SOLE   0 0 12,797
ISHARES TR RUS 1000 VAL ETF 464287598 648 5,401 SH   SOLE   0 0 5,401
JOHNSON & JOHNSON COM 478160104 917 7,159 SH   SOLE   0 0 7,159
JPMORGAN CHASE & CO COM 46625H100 2,299 20,904 SH   SOLE   0 0 20,904
MATINAS BIOPHARMA HLDGS INC COM 576810105 307 400,826 SH   SOLE   0 0 400,826
MERCK & CO INC COM 58933Y105 824 15,127 SH   SOLE   0 0 15,127
META FINL GROUP INC COM 59100U108 2,399 2,398,559 SH   SOLE   0 0 2,398,559
MICROSOFT CORP COM 594918104 315 3,452 SH   SOLE   0 0 3,452
PIMCO ETF TR ACTIVE BD ETF 72201R775 3,063 29,386 SH   SOLE   0 0 29,386
PIMCO ETF TR INV GRD CRP BD 72201R817 6,146 60,092 SH   SOLE   0 0 60,092
POWERSHARES ETF TR II FDM HG YLD RAFI 73936T557 10,271 554,895 SH   SOLE   0 0 554,895
POWERSHARES ETF TR II SOVEREIGN DEBT 73936T573 5,744 203,746 SH   SOLE   0 0 203,746
PUBLIC SVC ENTERPRISE GROUP COM 744573106 608 12,111 SH   SOLE   0 0 12,111
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 7,090 247,042 SH   SOLE   0 0 247,042
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 14,864 440,940 SH   SOLE   0 0 440,940
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,284 35,173 SH   SOLE   0 0 35,173
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 6,335 120,453 SH   SOLE   0 0 120,453
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 419 8,399 SH   SOLE   0 0 8,399
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 23,022 451,232 SH   SOLE   0 0 451,232
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,203 65,885 SH   SOLE   0 0 65,885
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 8,693 177,302 SH   SOLE   0 0 177,302
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,092 57,066 SH   SOLE   0 0 57,066
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 531 10,058 SH   SOLE   0 0 10,058
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 27,327 433,215 SH   SOLE   0 0 433,215
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,898 111,530 SH   SOLE   0 0 111,530
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,032 53,132 SH   SOLE   0 0 53,132
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5,632 81,467 SH   SOLE   0 0 81,467
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 792 19,783 SH   SOLE   0 0 19,783
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 695 14,365 SH   SOLE   0 0 14,365
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3,299 104,976 SH   SOLE   0 0 104,976
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,576 40,113 SH   SOLE   0 0 40,113
SPDR SER TR BLOMBERG BRC INV 78468R200 3,123 101,623 SH   SOLE   0 0 101,623
SPDR SER TR NUVEEN BLMBRG SR 78468R739 1,225 25,613 SH   SOLE   0 0 25,613
SPDR SER TR NUVEEN BRC MUNIC 78468R721 6,832 142,248 SH   SOLE   0 0 142,248
SPDR SER TR PORTFOLIO SM ETF 78468R853 1,203 40,220 SH   SOLE   0 0 40,220
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,411 39,454 SH   SOLE   0 0 39,454
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 6,754 239,855 SH   SOLE   0 0 239,855
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 1,832 54,614 SH   SOLE   0 0 54,614
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 5,936 191,845 SH   SOLE   0 0 191,845
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 1,498 45,189 SH   SOLE   0 0 45,189
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 1,854 61,404 SH   SOLE   0 0 61,404
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 1,339 40,790 SH   SOLE   0 0 40,790
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 7,900 164,692 SH   SOLE   0 0 164,692
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309 1,722 34,828 SH   SOLE   0 0 34,828
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4,133 75,516 SH   SOLE   0 0 75,516
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 439 8,082 SH   SOLE   0 0 8,082
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 237 5,041 SH   SOLE   0 0 5,041
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 253 4,352 SH   SOLE   0 0 4,352
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 254 5,000 SH   SOLE   0 0 5,000
VERIZON COMMUNICATIONS INC COM 92343V104 254 5,308 SH   SOLE   0 0 5,308
WISDOMTREE TR BARCLYS YLD AGGR 97717X511 281 5,700 SH   SOLE   0 0 5,700