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 2,298 95,461 SH   SOLE   0 0 95,461
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 14,049 429,113 SH   SOLE   0 0 429,113
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 17,448 590,246 SH   SOLE   0 0 590,246
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 35,693 607,544 SH   SOLE   0 0 607,544
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 16,002 593,109 SH   SOLE   0 0 593,109
ISHARES INC CORE MSCI EMKT 46434G103 20,554 396,946 SH   SOLE   0 0 396,946
ISHARES TR CRE U S REIT ETF 464288521 1,841 38,050 SH   SOLE   0 0 38,050
ISHARES TR RUSSELL 2000 ETF 464287655 1,743 10,339 SH   SOLE   0 0 10,339
ISHARES TR INTL TREA BD ETF 464288117 7,394 153,521 SH   SOLE   0 0 153,521
ISHARES TR IBOXX HI YD ETF 464288513 14,676 169,777 SH   SOLE   0 0 169,777
ISHARES TR NATIONAL MUN ETF 464288414 379 3,509 SH   SOLE   0 0 3,509
ISHARES TR RUS 1000 ETF 464287622 1,332 8,238 SH   SOLE   0 0 8,238
ISHARES TR 1 3 YR TREAS BD 464287457 3,290 39,588 SH   SOLE   0 0 39,588
ISHARES TR CORE US AGGBD ET 464287226 67,556 640,203 SH   SOLE   0 0 640,203
ISHARES TR GLOBAL REIT ETF 46434V647 17,420 690,700 SH   SOLE   0 0 690,700
ISHARES TR MULTIFACTOR USA 46434V282 11,935 354,983 SH   SOLE   0 0 354,983
ISHARES TR JPMORGAN USD EMG 464288281 5,532 51,308 SH   SOLE   0 0 51,308
ISHARES TR CORE S&P MCP ETF 464287507 33,743 167,633 SH   SOLE   0 0 167,633
ISHARES TR CORE S&P SCP ETF 464287804 28,176 322,974 SH   SOLE   0 0 322,974
ISHARES TR CORE S&P TTL STK 464287150 24,349 365,436 SH   SOLE   0 0 365,436
ISHARES TR TIPS BD ETF 464287176 3,238 29,269 SH   SOLE   0 0 29,269
ISHARES TR CORE MSCI EAFE 46432F842 21,270 331,922 SH   SOLE   0 0 331,922
ISHARES TR CORE S&P500 ETF 464287200 32,663 111,580 SH   SOLE   0 0 111,580
SCHWAB STRATEGIC TR US REIT ETF 808524847 535 12,826 SH   SOLE   0 0 12,826
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,977 154,700 SH   SOLE   0 0 154,700
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,116 122,744 SH   SOLE   0 0 122,744
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,605 71,742 SH   SOLE   0 0 71,742
SCHWAB STRATEGIC TR US TIPS ETF 808524870 672 12,461 SH   SOLE   0 0 12,461
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 737 10,592 SH   SOLE   0 0 10,592
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 7,361 104,581 SH   SOLE   0 0 104,581
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 864 17,428 SH   SOLE   0 0 17,428
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 8,457 274,839 SH   SOLE   0 0 274,839
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 8,531 244,934 SH   SOLE   0 0 244,934
SPDR SER TR PORTFOLIO SH TSR 78468R101 3,595 122,080 SH   SOLE   0 0 122,080
SPDR SERIES TRUST BLOMBRG BRC TIPS 78464A656 1,146 21,041 SH   SOLE   0 0 21,041
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 9,883 356,662 SH   SOLE   0 0 356,662
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 13,244 365,846 SH   SOLE   0 0 365,846
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 312 3,970 SH   SOLE   0 0 3,970
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 678 8,405 SH   SOLE   0 0 8,405
VANGUARD INDEX FDS TOTAL STK MKT 922908769 13,350 89,400 SH   SOLE   0 0 89,400
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,243 152,437 SH   SOLE   0 0 152,437
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,505 83,221 SH   SOLE   0 0 83,221
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 7,086 163,953 SH   SOLE   0 0 163,953