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
APPLE INC COM 037833100 273 1,629 SH   SOLE NONE 0 0 1,629
CABOT OIL & GAS CORP COM 127097103 269 11,205 SH   SOLE NONE 0 0 11,205
DBX ETF TR XTRACK FTSE US 233051515 219 7,370 SH   SOLE NONE 0 0 7,370
FIDELITY MSCI FINLS IDX 316092501 499 12,359 SH   SOLE NONE 0 0 12,359
FIDELITY MSCI INFO TECH I 316092808 3,527 67,995 SH   SOLE NONE 0 0 67,995
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 272 5,475 SH   SOLE NONE 0 0 5,475
ISHARES INC CORE MSCI EMKT 46434G103 8,887 152,180 SH   SOLE NONE 0 0 152,180
ISHARES INC MLT FCTR EMG MKT 46434G889 4,680 91,247 SH   SOLE NONE 0 0 91,247
ISHARES INC MIN VOL GBL ETF 464286525 2,247 26,806 SH   SOLE NONE 0 0 26,806
ISHARES TR MIN VOL USA ETF 46429B697 2,982 57,426 SH   SOLE NONE 0 0 57,426
ISHARES TR 0-5 YR TIPS ETF 46429B747 247 2,470 SH   SOLE NONE 0 0 2,470
ISHARES TR JPMORGAN USD EMG 464288281 2,983 26,445 SH   SOLE NONE 0 0 26,445
ISHARES TR CORE TOTAL USD 46434V613 280 5,604 SH   SOLE NONE 0 0 5,604
ISHARES TR MULTIFACTOR USA 46434V282 3,981 126,378 SH   SOLE NONE 0 0 126,378
ISHARES TR CORE S&P SCP ETF 464287804 6,029 78,289 SH   SOLE NONE 0 0 78,289
ISHARES TR US TREAS BD ETF 46429B267 1,572 63,657 SH   SOLE NONE 0 0 63,657
ISHARES TR BARCLAYS 7 10 YR 464287440 532 5,151 SH   SOLE NONE 0 0 5,151
ISHARES TR FLTG RATE NT ETF 46429B655 5,247 103,031 SH   SOLE NONE 0 0 103,031
ISHARES TR CORE DIV GRWTH 46434V621 1,425 42,040 SH   SOLE NONE 0 0 42,040
ISHARES TR IBOXX INV CP ETF 464287242 5,135 43,742 SH   SOLE NONE 0 0 43,742
ISHARES TR CORE US AGGBD ET 464287226 7,709 71,874 SH   SOLE NONE 0 0 71,874
ISHARES TR S&P 500 GRWT ETF 464287309 6,121 39,473 SH   SOLE NONE 0 0 39,473
ISHARES TR CORE MSCI EAFE 46432F842 10,300 156,341 SH   SOLE NONE 0 0 156,341
ISHARES TR S&P 500 VAL ETF 464287408 7,620 69,693 SH   SOLE NONE 0 0 69,693
ISHARES TR CORE S&P MCP ETF 464287507 4,705 25,083 SH   SOLE NONE 0 0 25,083
ISHARES TR MULTIFACTOR INTL 46434V274 6,340 219,443 SH   SOLE NONE 0 0 219,443
ISHARES TR 20 YR TR BD ETF 464287432 1,344 11,026 SH   SOLE NONE 0 0 11,026
ISHARES TR CORE S&P500 ETF 464287200 17,979 67,749 SH   SOLE NONE 0 0 67,749
ISHARES TR 0-5YR INVT GR CP 46434V100 582 11,693 SH   SOLE NONE 0 0 11,693
ISHARES TR MSCI CHINA ETF 46429B671 2,149 31,334 SH   SOLE NONE 0 0 31,334
ISHARES TR EUROPE ETF 464287861 1,206 25,858 SH   SOLE NONE 0 0 25,858
ISHARES US ETF TR COMMOD SEL STG 46431W853 2,227 60,317 SH   SOLE NONE 0 0 60,317
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 245 4,900 SH   SOLE NONE 0 0 4,900
PEOPLES FINL SVCS CORP COM 711040105 1,343 29,430 SH   SOLE NONE 0 0 29,430
PFIZER INC COM 717081103 233 6,568 SH   SOLE NONE 0 0 6,568
PIMCO EQUITY SER RAFI DYN EMERG 72202L389 208 7,866 SH   SOLE NONE 0 0 7,866
PIMCO ETF TR ACTIVE BD ETF 72201R775 256 2,461 SH   SOLE NONE 0 0 2,461
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 5,624 55,386 SH   SOLE NONE 0 0 55,386
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 2,372 102,543 SH   SOLE NONE 0 0 102,543
PROCTER AND GAMBLE CO COM 742718109 17,905 225,847 SH   SOLE NONE 0 0 225,847
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 5,473 114,101 SH   SOLE NONE 0 0 114,101
VANGUARD GROUP DIV APP ETF 921908844 347 3,431 SH   SOLE NONE 0 0 3,431
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 341 4,135 SH   SOLE NONE 0 0 4,135