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
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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
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,007 68,619 SH   SOLE   0 0 68,619
ISHARES TR RUS 1000 GRW ETF 464287614 1,161 6,152 SH   SOLE   0 0 6,152
ISHARES TR S&P 500 VAL ETF 464287408 1,034 7,916 SH   SOLE   0 0 7,916
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 224 2,403 SH   SOLE   0 0 2,403
ISHARES TR IBONDS DEC20 ETF 46434VAQ3 407 16,079 SH   SOLE   0 0 16,079
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 1,007 18,800 SH   SOLE   0 0 18,800
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,645 28,006 SH   SOLE   0 0 28,006
ISHARES TR SH TR CRPORT ETF 464288646 432 8,000 SH   SOLE   0 0 8,000
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 354 3,503 SH   SOLE   0 0 3,503
ISHARES TR CORE S&P500 ETF 464287200 41,627 123,809 SH   SOLE   0 0 123,809
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,588 9,342 SH   SOLE   0 0 9,342
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 732 16,933 SH   SOLE   0 0 16,933
ISHARES TR CORE MSCI TOTAL 46432F834 2,562 41,862 SH   SOLE   0 0 41,862
TEMPLETON GLOBAL INCOME FD COM 880198106 274 44,770 SH   SOLE   0 0 44,770
ISHARES TR MIN VOL EUROPE 46434V720 318 11,572 SH   SOLE   0 0 11,572
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1,992 21,196 SH   SOLE   0 0 21,196
INVESCO EXCHANGE TRADED FD T S&P500 EQL ENR 46137V365 786 18,503 SH   SOLE   0 0 18,503
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,977 65,207 SH   SOLE   0 0 65,207
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 572 2,517 SH   SOLE   0 0 2,517
LABORATORY CORP AMER HLDGS COM NEW 50540R409 1,241 6,762 SH   SOLE   0 0 6,762
WISDOMTREE TR INTL SMCAP DIV 97717W760 2,290 33,440 SH   SOLE   0 0 33,440
ISHARES INC MSCI EURZONE ETF 464286608 282 6,772 SH   SOLE   0 0 6,772
VOYA PRIME RATE TR SH BEN INT 92913A100 759 147,074 SH   SOLE   0 0 147,074
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 1,047 6,983 SH   SOLE   0 0 6,983
ISHARES TR CORE S&P TTL STK 464287150 1,684 22,334 SH   SOLE   0 0 22,334
VANGUARD INDEX FDS LARGE CAP ETF 922908637 675 4,378 SH   SOLE   0 0 4,378
ISHARES TR MIN VOL EAFE ETF 46429B689 676 8,974 SH   SOLE   0 0 8,974
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 284 4,884 SH   SOLE   0 0 4,884
MERCK & CO INC COM 58933Y105 12,185 142,245 SH   SOLE   0 0 142,245
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,026 12,126 SH   SOLE   0 0 12,126
ISHARES TR CORE S&P SCP ETF 464287804 3,492 42,266 SH   SOLE   0 0 42,266
VANGUARD WORLD FD MEGA CAP INDEX 921910873 905 7,742 SH   SOLE   0 0 7,742
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 332 885 SH   SOLE   0 0 885
ISHARES TR CORE 1 5 YR USD 46432F859 405 8,002 SH   SOLE   0 0 8,002
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 11,610 142,364 SH   SOLE   0 0 142,364
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 815 8,184 SH   SOLE   0 0 8,184
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 625 4,875 SH   SOLE   0 0 4,875
VANGUARD INDEX FDS GROWTH ETF 922908736 10,954 55,515 SH   SOLE   0 0 55,515
ISHARES TR S&P MC 400VL ETF 464287705 373 2,217 SH   SOLE   0 0 2,217
ISHARES TR EAFE SML CP ETF 464288273 951 15,592 SH   SOLE   0 0 15,592
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 476 4,930 SH   SOLE   0 0 4,930
ISHARES TR NORTH AMERN NAT 464287374 571 20,535 SH   SOLE   0 0 20,535
MARRIOTT INTL INC NEW CL A 571903202 999 6,857 SH   SOLE   0 0 6,857
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 601 14,417 SH   SOLE   0 0 14,417
VANGUARD INDEX FDS VALUE ETF 922908744 7,971 66,177 SH   SOLE   0 0 66,177
ISHARES TR 0-5YR INVT GR CP 46434V100 10,315 200,990 SH   SOLE   0 0 200,990
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316 592 5,241 SH   SOLE   0 0 5,241
VANGUARD INDEX FDS SML CP GRW ETF 922908595 220 1,074 SH   SOLE   0 0 1,074
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 289 8,611 SH   SOLE   0 0 8,611
VANGUARD INDEX FDS MID CAP ETF 922908629 10,159 55,533 SH   SOLE   0 0 55,533
SPDR GOLD TRUST GOLD SHS 78463V107 221 1,489 SH   SOLE   0 0 1,489
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,218 22,864 SH   SOLE   0 0 22,864
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 387 3,860 SH   SOLE   0 0 3,860
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,106 15,507 SH   SOLE   0 0 15,507
ISHARES INC CORE MSCI EMKT 46434G103 2,178 41,648 SH   SOLE   0 0 41,648
ISHARES TR RUSSELL 2000 ETF 464287655 549 3,312 SH   SOLE   0 0 3,312
ISHARES TR MSCI MIN VOL ETF 46429B697 4,965 72,181 SH   SOLE   0 0 72,181
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 231 2,895 SH   SOLE   0 0 2,895
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 282 4,667 SH   SOLE   0 0 4,667
ISHARES TR RUS 1000 VAL ETF 464287598 422 3,071 SH   SOLE   0 0 3,071
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 825 16,320 SH   SOLE   0 0 16,320
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 24,235 783,279 SH   SOLE   0 0 783,279
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 1,889 52,854 SH   SOLE   0 0 52,854
ISHARES TR RUS 1000 ETF 464287622 580 3,126 SH   SOLE   0 0 3,126
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,559 7,645 SH   SOLE   0 0 7,645
BRISTOL MYERS SQUIBB CO RIGHT 99/99/9999 110122157 51 15,421 SH   SOLE   0 0 15,421
SPDR SERIES TRUST S&P DIVID ETF 78464A763 2,141 19,871 SH   SOLE   0 0 19,871
APPLE INC COM 037833100 2,049 6,371 SH   SOLE   0 0 6,371
ISHARES TR CORE S&P MCP ETF 464287507 5,511 26,765 SH   SOLE   0 0 26,765
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 2,275 118,204 SH   SOLE   0 0 118,204
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,514 20,884 SH   SOLE   0 0 20,884
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 21,500 69,914 SH   SOLE   0 0 69,914
VANGUARD STAR FD VG TL INTL STK F 921909768 5,574 101,269 SH   SOLE   0 0 101,269
VANGUARD WORLD FD MEGA GRWTH IND 921910816 650 4,095 SH   SOLE   0 0 4,095
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 590 13,679 SH   SOLE   0 0 13,679
ISHARES TR CORE MSCI EAFE 46432F842 6,541 100,812 SH   SOLE   0 0 100,812