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
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858 17 726 SH   SOLE   0 0 726
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 1,154 52,874 SH   SOLE   0 0 52,874
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 HY 46138J809 1 66 SH   SOLE   0 0 66
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 1,027 48,075 SH   SOLE   0 0 48,075
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 HY 46138J601 4 173 SH   SOLE   0 0 173
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 HY 46138J874 1,024 45,905 SH   SOLE   0 0 45,905
INVESCO QQQ TR UNIT SER 1 46090E103 106,537 430,279 SH   SOLE   0 0 430,279
ISHARES TR NATIONAL MUN ETF 464288414 2 21 SH   SOLE   0 0 21
ISHARES TR GLOBAL MATER ETF 464288695 2 24 SH   SOLE   0 0 24
ISHARES TR SH TR CRPORT ETF 464288646 99 1,811 SH   SOLE   0 0 1,811
ISHARES TR TIPS BD ETF 464287176 75 606 SH   SOLE   0 0 606
ISHARES TR SELECT DIVID ETF 464287168 1 13 SH   SOLE   0 0 13
ISHARES TR COHEN STEER REIT 464287564 36 352 SH   SOLE   0 0 352
ISHARES TR IBONDS DEC22 ETF 46434VBA7 2 84 SH   SOLE   0 0 84
ISHARES TR INTL DEVPPTY ETF 464288422 8 267 SH   SOLE   0 0 267
ISHARES TR 10-20 YR TRS ETF 464288653 208 1,240 SH   SOLE   0 0 1,240
ISHARES TR 0-5 YR TIPS ETF 46429B747 2 19 SH   SOLE   0 0 19
ISHARES TR MSCI MIN VOL ETF 46429B697 92 1,517 SH   SOLE   0 0 1,517
ISHARES TR EAFE SML CP ETF 464288273 3 47 SH   SOLE   0 0 47
ISHARES TR USA MOMENTUM FCT 46432F396 236 1,804 SH   SOLE   0 0 1,804
ISHARES TR IBONDS DEC23 ETF 46434VAX8 2 84 SH   SOLE   0 0 84
ISHARES TR RUS 2000 VAL ETF 464287630 8 84 SH   SOLE   0 0 84
ISHARES TR IBONDS DEC20 ETF 46434VAQ3 2 83 SH   SOLE   0 0 83
ISHARES TR INTL DEV RE ETF 464288489 4 190 SH   SOLE   0 0 190
ISHARES TR JPMORGAN USD EMG 464288281 182 1,668 SH   SOLE   0 0 1,668
ISHARES TR US TREAS BD ETF 46429B267 150 5,356 SH   SOLE   0 0 5,356
ISHARES TR CORE S&P US GWT 464287671 25 341 SH   SOLE   0 0 341
ISHARES TR CORE S&P US VLU 464287663 4 84 SH   SOLE   0 0 84
ISHARES TR CORE S&P SCP ETF 464287804 231 3,378 SH   SOLE   0 0 3,378
ISHARES TR 1 3 YR TREAS BD 464287457 79 915 SH   SOLE   0 0 915
ISHARES TR AGENCY BOND ETF 464288166 6 48 SH   SOLE   0 0 48
ISHARES TR PFD AND INCM SEC 464288687 103,202 2,979,277 SH   SOLE   0 0 2,979,277
ISHARES TR BARCLAYS 7 10 YR 464287440 233 1,914 SH   SOLE   0 0 1,914
ISHARES TR FLTG RATE NT ETF 46429B655 34 668 SH   SOLE   0 0 668
ISHARES TR S&P 100 ETF 464287101 76 533 SH   SOLE   0 0 533
ISHARES TR CORE DIV GRWTH 46434V621 97 2,573 SH   SOLE   0 0 2,573
ISHARES TR IBOXX INV CP ETF 464287242 226 1,684 SH   SOLE   0 0 1,684
ISHARES TR 3 7 YR TREAS BD 464288661 6 48 SH   SOLE   0 0 48
ISHARES TR MRGSTR MD CP ETF 464288208 2 12 SH   SOLE   0 0 12
ISHARES TR RUS MDCP VAL ETF 464287473 20 261 SH   SOLE   0 0 261
ISHARES TR PHLX SEMICND ETF 464287523 7 25 SH   SOLE   0 0 25
ISHARES TR IBONDS DEC25 ETF 46434VBD1 2 84 SH   SOLE   0 0 84
ISHARES TR CORE US AGGBD ET 464287226 61 519 SH   SOLE   0 0 519
ISHARES TR IBOXX HI YD ETF 464288513 63 768 SH   SOLE   0 0 768
ISHARES TR USD INV GRDE ETF 464288620 2 34 SH   SOLE   0 0 34
ISHARES TR LATN AMER 40 ETF 464287390 83,172 3,855,890 SH   SOLE   0 0 3,855,890
ISHARES TR INTRM TR CRP ETF 464288638 123 2,037 SH   SOLE   0 0 2,037
ISHARES TR S&P 500 GRWT ETF 464287309 99 479 SH   SOLE   0 0 479
ISHARES TR IBONDS DEC21 ETF 46434VBK5 2 84 SH   SOLE   0 0 84
ISHARES TR CORE S&P MCP ETF 464287507 49 274 SH   SOLE   0 0 274
ISHARES TR MSCI EMG MKT ETF 464287234 18 440 SH   SOLE   0 0 440
ISHARES TR RUSSELL 2000 ETF 464287655 72 502 SH   SOLE   0 0 502
ISHARES TR S&P 500 VAL ETF 464287408 73 677 SH   SOLE   0 0 677
ISHARES TR RUS 1000 ETF 464287622 4 23 SH   SOLE   0 0 23
ISHARES TR RUS 1000 GRW ETF 464287614 142 741 SH   SOLE   0 0 741
ISHARES TR EDGE MSCI USA VL 46432F388 197 2,731 SH   SOLE   0 0 2,731
ISHARES TR ASIA 50 ETF 464288430 27 415 SH   SOLE   0 0 415
ISHARES TR CMBS ETF 46429B366 10 191 SH   SOLE   0 0 191
ISHARES TR MULTIFACTOR INTL 46434V274 60 2,617 SH   SOLE   0 0 2,617
ISHARES TR RUS MD CP GR ETF 464287481 151 952 SH   SOLE   0 0 952
ISHARES TR IBONDS DEC24 ETF 46434VBG4 2 84 SH   SOLE   0 0 84
ISHARES TR 20 YR TR BD ETF 464287432 187 1,139 SH   SOLE   0 0 1,139
ISHARES TR MSCI EAFE ETF 464287465 64 1,050 SH   SOLE   0 0 1,050
ISHARES TR CHINA LG-CAP ETF 464287184 41 1,024 SH   SOLE   0 0 1,024
ISHARES TR CORE HIGH DV ETF 46429B663 174 2,150 SH   SOLE   0 0 2,150
ISHARES TR EAFE GRWTH ETF 464288885 132 1,590 SH   SOLE   0 0 1,590
ISHARES TR GLOBAL TECH ETF 464287291 6 26 SH   SOLE   0 0 26
ISHARES TR MULTIFACTOR USA 46434V290 120 3,370 SH   SOLE   0 0 3,370
ISHARES TR USA QUALITY FCTR 46432F339 162 1,690 SH   SOLE   0 0 1,690
ISHARES TR U.S. REAL ES ETF 464287739 32 403 SH   SOLE   0 0 403
ISHARES TR CORE S&P500 ETF 464287200 16 52 SH   SOLE   0 0 52
ISHARES TR SHORT TREAS BD 464288679 1,606 14,502 SH   SOLE   0 0 14,502
ISHARES TR 0-5YR HI YL CP 46434V407 46 1,062 SH   SOLE   0 0 1,062
SCHWAB STRATEGIC TR US REIT ETF 808524847 65 1,847 SH   SOLE   0 0 1,847
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 55 2,273 SH   SOLE   0 0 2,273
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1 61 SH   SOLE   0 0 61
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 3 106 SH   SOLE   0 0 106
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 120 1,832 SH   SOLE   0 0 1,832
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 12 208 SH   SOLE   0 0 208
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 2 72 SH   SOLE   0 0 72
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 4 181 SH   SOLE   0 0 181
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 240 3,271 SH   SOLE   0 0 3,271
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1 12 SH   SOLE   0 0 12
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3 103 SH   SOLE   0 0 103
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 20 552 SH   SOLE   0 0 552
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 1 54 SH   SOLE   0 0 54
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 183 3,545 SH   SOLE   0 0 3,545
SCHWAB STRATEGIC TR US TIPS ETF 808524870 11 183 SH   SOLE   0 0 183
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4 48 SH   SOLE   0 0 48
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 3 49 SH   SOLE   0 0 49
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 25 480 SH   SOLE   0 0 480
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2 40 SH   SOLE   0 0 40
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1 21 SH   SOLE   0 0 21
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 5 87 SH   SOLE   0 0 87
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 20 376 SH   SOLE   0 0 376
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 94 1,602 SH   SOLE   0 0 1,602
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 5 71 SH   SOLE   0 0 71
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 64 2,776 SH   SOLE   0 0 2,776
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 170 1,632 SH   SOLE   0 0 1,632
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1 23 SH   SOLE   0 0 23
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 183 1,828 SH   SOLE   0 0 1,828
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 52 407 SH   SOLE   0 0 407
SPDR GOLD TR GOLD SHS 78463V107 244 1,458 SH   SOLE   0 0 1,458
SPDR S&P 500 ETF TR TR UNIT 78462F103 439 1,424 SH   SOLE   0 0 1,424
SPDR SER TR BLMBRG BRC CNVRT 78464A359 40 665 SH   SOLE   0 0 665
SPDR SER TR PORTFLI HIGH YLD 78468R606 32 1,303 SH   SOLE   0 0 1,303
SPDR SER TR PORTFOLIO INTRMD 78464A375 1 24 SH   SOLE   0 0 24
SPDR SER TR PORTFLI TIPS ETF 78464A656 0 4 SH   SOLE   0 0 4
SPDR SER TR SSGA US LRG ETF 78468R804 22 220 SH   SOLE   0 0 220
SPDR SER TR BLOOMBERG BRCLYS 78468R622 70 689 SH   SOLE   0 0 689
SPDR SER TR PORTFLI INTRMDIT 78464A672 90 2,707 SH   SOLE   0 0 2,707
SPDR SER TR S&P 600 SMCP VAL 78464A300 0 7 SH   SOLE   0 0 7
SPDR SER TR BLOOMBERG SRT TR 78468R408 2 69 SH   SOLE   0 0 69
SPDR SER TR NYSE TECH ETF 78464A102 3 28 SH   SOLE   0 0 28
SPDR SER TR PORTFOLIO LN TSR 78464A664 2,014 42,933 SH   SOLE   0 0 42,933
SPDR SER TR NUVEEN BBG BRCLY 78464A284 106 1,887 SH   SOLE   0 0 1,887
SPDR SER TR PORTFOLIO LN COR 78464A367 2 73 SH   SOLE   0 0 73
SPDR SER TR BLOMBRG BRC EMRG 78464A391 3 113 SH   SOLE   0 0 113
SPDR SER TR S&P 400 MDCP VAL 78464A839 2 57 SH   SOLE   0 0 57
SPDR SER TR S&P BIOTECH 78464A870 1 8 SH   SOLE   0 0 8
SPDR SER TR PORTFOLIO S&P500 78464A854 18 500 SH   SOLE   0 0 500
SPDR SER TR SPDR BLOOMBERG 78468R663 60 655 SH   SOLE   0 0 655
SPDR SER TR PORTFOLIO S&P400 78464A847 13 420 SH   SOLE   0 0 420
SPDR SER TR PORTFOLIO AGRGTE 78464A649 0 2 SH   SOLE   0 0 2
SPDR SER TR S&P HOMEBUILD 78464A888 2 47 SH   SOLE   0 0 47
SPDR SER TR BLOMBERG INTL TR 78464A516 37 1,287 SH   SOLE   0 0 1,287
SPDR SER TR PRTFLO S&P500 GW 78464A409 2 53 SH   SOLE   0 0 53
SPDR SER TR NUVEEN BLMBRG SR 78468R739 10 201 SH   SOLE   0 0 201
SPDR SER TR S&P METALS MNG 78464A755 1 39 SH   SOLE   0 0 39
SPDR SER TR S&P1500MOMTILT 78468R705 13 100 SH   SOLE   0 0 100
SPDR SER TR DJ REIT ETF 78464A607 1 15 SH   SOLE   0 0 15
SPDR SER TR PRTFLO S&P500 VL 78464A508 2 64 SH   SOLE   0 0 64
SPDR SER TR S&P 400 MDCP GRW 78464A821 30 561 SH   SOLE   0 0 561
SPDR SER TR MSCI USA STRTGIC 78468R812 1 7 SH   SOLE   0 0 7
SPDR SER TR PORTFOLI S&P1500 78464A805 38 996 SH   SOLE   0 0 996
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 79,064 708,144 SH   SOLE   0 0 708,144
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 5 62 SH   SOLE   0 0 62
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 45 514 SH   SOLE   0 0 514
VANGUARD BD INDEX FDS INTERMED TERM 921937819 51,771 555,538 SH   SOLE   0 0 555,538
VANGUARD INDEX FDS GROWTH ETF 922908736 75 373 SH   SOLE   0 0 373
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 82 1,041 SH   SOLE   0 0 1,041
VANGUARD INDEX FDS SML CP GRW ETF 922908595 108,730 544,737 SH   SOLE   0 0 544,737
VANGUARD INDEX FDS MID CAP ETF 922908629 17 101 SH   SOLE   0 0 101
VANGUARD INDEX FDS SMALL CP ETF 922908751 9,220 63,269 SH   SOLE   0 0 63,269
VANGUARD INDEX FDS TOTAL STK MKT 922908769 77 490 SH   SOLE   0 0 490
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 20 209 SH   SOLE   0 0 209
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 79,898 675,159 SH   SOLE   0 0 675,159
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 28 100 SH   SOLE   0 0 100
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 4 25 SH   SOLE   0 0 25
VANGUARD INDEX FDS SM CP VAL ETF 922908611 68 638 SH   SOLE   0 0 638
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 19 248 SH   SOLE   0 0 248
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1 25 SH   SOLE   0 0 25
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 0 9 SH   SOLE   0 0 9
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 7 150 SH   SOLE   0 0 150
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 27,753 287,239 SH   SOLE   0 0 287,239
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 109 2,762 SH   SOLE   0 0 2,762
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 52 958 SH   SOLE   0 0 958
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 27,996 279,676 SH   SOLE   0 0 279,676
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 0 6 SH   SOLE   0 0 6
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 2 21 SH   SOLE   0 0 21
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 5 79 SH   SOLE   0 0 79
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 143 2,027 SH   SOLE   0 0 2,027
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 12 129 SH   SOLE   0 0 129
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 2,904 43,295 SH   SOLE   0 0 43,295
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 14 175 SH   SOLE   0 0 175
VANGUARD WORLD FD MEGA GRWTH IND 921910816 26,996 165,106 SH   SOLE   0 0 165,106
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 12 167 SH   SOLE   0 0 167
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 45,439 303,800 SH   SOLE   0 0 303,800
VANGUARD WORLD FDS ENERGY ETF 92204A306 20 400 SH   SOLE   0 0 400
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 101,839 528,624 SH   SOLE   0 0 528,624
VANGUARD WORLD FDS MATERIALS ETF 92204A801 109,631 908,748 SH   SOLE   0 0 908,748
VANGUARD WORLD FDS INF TECH ETF 92204A702 109,940 394,461 SH   SOLE   0 0 394,461