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
FIDELITY MSCI RL EST ETF 316092857 2,353 95,869 SH   SOLE   95,869 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 9,555 287,967 SH   SOLE   287,967 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 12,214 415,720 SH   SOLE   415,720 0 0
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 24,589 449,113 SH   SOLE   449,113 0 0
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 12,354 465,839 SH   SOLE   465,839 0 0
ISHARES INC CORE MSCI EMKT 46434G103 17,737 337,777 SH   SOLE   337,777 0 0
ISHARES TR CRE U S REIT ETF 464288521 1,794 36,493 SH   SOLE   36,493 0 0
ISHARES TR RUS 1000 ETF 464287622 1,362 8,960 SH   SOLE   8,960 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,244 7,594 SH   SOLE   7,594 0 0
ISHARES TR INTL TREA BD ETF 464288117 5,319 108,082 SH   SOLE   108,082 0 0
ISHARES TR IBOXX HI YD ETF 464288513 10,412 122,376 SH   SOLE   122,376 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 3,209 38,483 SH   SOLE   38,483 0 0
ISHARES TR NATIONAL MUN ETF 464288414 336 3,086 SH   SOLE   3,086 0 0
ISHARES TR CORE US AGGBD ET 464287226 45,171 424,844 SH   SOLE   424,844 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 13,144 512,232 SH   SOLE   512,232 0 0
ISHARES TR INTRMD CR BD ETF 464288638 11,773 110,816 SH   SOLE   110,816 0 0
ISHARES TR MULTIFACTOR USA 46434V282 8,087 252,959 SH   SOLE   252,959 0 0
ISHARES TR JPMORGAN USD EMG 464288281 5,049 47,292 SH   SOLE   47,292 0 0
ISHARES TR CORE S&P SCP ETF 464287804 20,525 245,924 SH   SOLE   245,924 0 0
ISHARES TR CORE S&P MCP ETF 464287507 24,033 123,387 SH   SOLE   123,387 0 0
ISHARES TR CORE S&P TTL STK 464287150 22,713 363,287 SH   SOLE   363,287 0 0
ISHARES TR TIPS BD ETF 464287176 3,375 29,898 SH   SOLE   29,898 0 0
ISHARES TR CORE MSCI EAFE 46432F842 18,462 291,336 SH   SOLE   291,336 0 0
ISHARES TR CORE S&P500 ETF 464287200 22,623 82,852 SH   SOLE   82,852 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 570 13,635 SH   SOLE   13,635 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,962 153,026 SH   SOLE   153,026 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,131 124,982 SH   SOLE   124,982 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,722 73,494 SH   SOLE   73,494 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 723 13,159 SH   SOLE   13,159 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 674 10,365 SH   SOLE   10,365 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 7,163 108,541 SH   SOLE   108,541 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 962 19,344 SH   SOLE   19,344 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 7,570 249,028 SH   SOLE   249,028 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 7,793 220,521 SH   SOLE   220,521 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 3,525 119,236 SH   SOLE   119,236 0 0
SPDR SERIES TRUST BLOMBRG BRC TIPS 78464A656 1,043 18,786 SH   SOLE   18,786 0 0
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 9,914 355,474 SH   SOLE   355,474 0 0
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 11,789 346,835 SH   SOLE   346,835 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 273 3,446 SH   SOLE   3,446 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 529 6,487 SH   SOLE   6,487 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 13,181 94,022 SH   SOLE   94,022 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,571 155,910 SH   SOLE   155,910 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 7,117 166,098 SH   SOLE   166,098 0 0