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
Ishares TRUST Core Msci Eafe Etf ETF 46432F842 41,765 600,849 SH   SOLE   0 0 600,849
iShares S&P 500 Index (ETF) ETF 464287200 37,595 82,866 SH   SOLE   0 0 82,866
ISHARES 0 TO 3 MNTH TREASURY BND ETF ETF 46436E718 36,374 363,554 SH   SOLE   0 0 363,554
Invesco BulletShares 2024 Corp Bd ETF ETF 46138J841 22,142 1,050,879 SH   SOLE   0 0 1,050,879
Ishares Inc Core Msci Emerging Mkts Etf ETF 46434G103 18,204 327,698 SH   SOLE   0 0 327,698
iShares S&P SmallCap 600 Index (ETF) ETF 464287804 11,273 104,500 SH   SOLE   0 0 104,500
iShares Core S&P Mid-Cap ETF ETF 464287507 10,465 39,000 SH   SOLE   0 0 39,000
iShares 7-10 Year Treasury Bond ETF ETF 464287440 9,135 85,003 SH   SOLE   0 0 85,003
SPDR Developed World Ex-US ETF ETF 78463X889 7,193 209,843 SH   SOLE   0 0 209,843
iPath Bloomberg Commodity Index Total Return ETN ETN 06738C778 6,355 172,166 SH   SOLE   0 0 172,166
SPDR Portfolio Emerging Markets ETF ETF 78463X509 5,797 150,022 SH   SOLE   0 0 150,022
Schwab US Large Cap Etf ETF 808524201 5,653 104,984 SH   SOLE   0 0 104,984
SPDR Barclays Emerging Markets Local Bond ETF ETF 78464A391 4,809 211,565 SH   SOLE   0 0 211,565
SPDR Nvn Barclys Short Term Mncpl Bnd ETF ETF 78468R739 4,269 90,206 SH   SOLE   0 0 90,206
Schwab US Broad Market Etf ETF 808524102 3,176 59,490 SH   SOLE   0 0 59,490
SPDR S&P 600 Small Cap ETF ETF 78464A813 2,928 31,283 SH   SOLE   0 0 31,283
Ishares National AMT Free Muni ETF ETF 464288414 1,898 17,311 SH   SOLE   0 0 17,311
Ishares Short-Term National Muni Bond ETF ETF 464288158 1,861 17,796 SH   SOLE   0 0 17,796
SPDR S&P 500 ETF ETF 78462F103 1,801 3,987 SH   SOLE   0 0 3,987
Schwab Emerging Market Equity Etf ETF 808524706 1,442 51,936 SH   SOLE   0 0 51,936
Schwab US Small Cap Etf ETF 808524607 1,241 26,204 SH   SOLE   0 0 26,204
Schwab US Mid-Cap Etf ETF 808524508 1,144 15,084 SH   SOLE   0 0 15,084
Schwab International Equity ETF ETF 808524805 960 26,156 SH   SOLE   0 0 26,156
Medtronic Inc Common Stock G5960L103 939 8,459 SH   SOLE   0 0 8,459
iShares Russell 3000 Index (ETF) ETF 464287689 873 3,328 SH   SOLE   0 0 3,328
Ishares Msci EAFE Index ETF ETF 464287465 590 8,013 SH   SOLE   0 0 8,013
iShares Barclays Aggregate Bond ETF ETF 464287226 496 4,633 SH   SOLE   0 0 4,633
Ishares Russell Midcap ETF ETF 464287499 467 5,990 SH   SOLE   0 0 5,990
Vanguard Mid Cap ETF ETF 922908629 292 1,227 SH   SOLE   0 0 1,227
Apple Inc Common Stock 037833100 273 1,563 SH   SOLE   0 0 1,563
Vanguard Total Stock Mkt ETF ETF 922908769 264 1,158 SH   SOLE   0 0 1,158
Raytheon Technologies Co Common Stock 75513E101 261 2,631 SH   SOLE   0 0 2,631
SPDR SERIES TRUST PORTFOLIO Mid Cap ETF ETF 78464A847 260 5,517 SH   SOLE   0 0 5,517
Guggenheim Bullet 2022 ETF 46138J882 195 9,192 SH   SOLE   0 0 9,192
Vanguard Emerging Market ETF ETF 922042858 183 3,976 SH   SOLE   0 0 3,976
Ishares Msci Acwi Etf ETF 464288257 131 1,311 SH   SOLE   0 0 1,311
Carrier Global Corp Common Stock 14448C104 121 2,631 SH   SOLE   0 0 2,631
Vanguard S&P 500 Index ETF ETF 922908363 114 274 SH   SOLE   0 0 274
Otis Worldwide Corp Common Stock 68902V107 101 1,315 SH   SOLE   0 0 1,315
Vanguard Europe Pac Etf ETF 921943858 95 1,971 SH   SOLE   0 0 1,971
Powershares Etf ETF 46138G508 54 2,501 SH   SOLE   0 0 2,501
ChargePoint Holdings Inc Common Stock 15961R105 48 2,436 SH   SOLE   0 0 2,436
Ishares S&P 500 Value ETF ETF 464287408 38 243 SH   SOLE   0 0 243
SPDR DJ Wilshire Global Real Estate (ETF) ETF 78463X749 38 695 SH   SOLE   0 0 695
Intuitive Surgical Common Stock 46120E602 24 81 SH   SOLE   0 0 81
Johnson & Johnson Common Stock 478160104 20 111 SH   SOLE   0 0 111
Dentsply Intl Inc Common Stock 24906P109 19 390 SH   SOLE   0 0 390
Applied Materials Inc Common Stock 038222105 13 100 SH   SOLE   0 0 100
Vanguard Small Cap Index ETF ETF 922908751 13 61 SH   SOLE   0 0 61
Alibaba Group Hldg ADR Common Stock 01609W102 10 93 SH   SOLE   0 0 93
Ishares Gold ETF ETF 464285204 9 234 SH   SOLE   0 0 234
Ishares Msci Emrg Mkt ETF ETF 464287234 8 180 SH   SOLE   0 0 180
SPDR SERIES TRUST PORTFOLIO Small Cap ETF ETF 78468R853 3 72 SH   SOLE   0 0 72
Spdr Nuveen Barclay Muni Bond ETF ETF 78468R721 2 46 SH   SOLE   0 0 46
iShares Emerging Markets Local Currency Bond ETF ETF 464286517 0 8 SH   SOLE   0 0 8