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
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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
DBX ETF TR XTRACK USD HIGH 233051432 28,506 565,924 SH   SOLE   0 0 565,924
FIDELITY COVINGTON TR MSCI RL EST ETF 316092857 2,658 95,390 SH   SOLE   0 0 95,390
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 35,350 1,168,596 SH   SOLE   0 0 1,168,596
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 40,758 1,186,889 SH   SOLE   0 0 1,186,889
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 78,558 1,214,751 SH   SOLE   0 0 1,214,751
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 27,186 919,078 SH   SOLE   0 0 919,078
INVESCO EXCHNG TRADED FD TR FTSE RAFI EMNG 46138E727 266 11,912 SH   SOLE   0 0 11,912
ISHARES INC CORE MSCI EMKT 46434G103 30,988 576,417 SH   SOLE   0 0 576,417
ISHARES TR CRE U S REIT ETF 464288521 2,047 37,496 SH   SOLE   0 0 37,496
ISHARES TR RUSSELL 2000 ETF 464287655 2,020 12,191 SH   SOLE   0 0 12,191
ISHARES TR NATIONAL MUN ETF 464288414 351 3,084 SH   SOLE   0 0 3,084
ISHARES TR RUS 1000 ETF 464287622 2,307 12,928 SH   SOLE   0 0 12,928
ISHARES TR 1 3 YR TREAS BD 464287457 3,652 43,153 SH   SOLE   0 0 43,153
ISHARES TR CORE US AGGBD ET 464287226 146,291 1,301,877 SH   SOLE   0 0 1,301,877
ISHARES TR JPMORGAN USD EMG 464288281 7,218 63,007 SH   SOLE   0 0 63,007
ISHARES TR CORE S&P SCP ETF 464287804 55,820 665,711 SH   SOLE   0 0 665,711
ISHARES TR CORE S&P MCP ETF 464287507 65,526 318,366 SH   SOLE   0 0 318,366
ISHARES TR CORE S&P TTL STK 464287150 28,486 391,893 SH   SOLE   0 0 391,893
ISHARES TR TIPS BD ETF 464287176 3,132 26,870 SH   SOLE   0 0 26,870
ISHARES TR CORE MSCI EAFE 46432F842 31,497 482,798 SH   SOLE   0 0 482,798
ISHARES TR CORE S&P500 ETF 464287200 96,372 298,144 SH   SOLE   0 0 298,144
SCHWAB STRATEGIC TR US REIT ETF 808524847 560 12,190 SH   SOLE   0 0 12,190
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,719 140,335 SH   SOLE   0 0 140,335
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,812 175,825 SH   SOLE   0 0 175,825
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,980 74,495 SH   SOLE   0 0 74,495
SCHWAB STRATEGIC TR US TIPS ETF 808524870 790 13,952 SH   SOLE   0 0 13,952
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 807 10,505 SH   SOLE   0 0 10,505
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,154 106,057 SH   SOLE   0 0 106,057
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 984 19,496 SH   SOLE   0 0 19,496
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 11,895 379,424 SH   SOLE   0 0 379,424
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 11,930 317,378 SH   SOLE   0 0 317,378
SPDR SERIES TRUST PORTFOLIO SH TSR 78468R101 3,677 122,719 SH   SOLE   0 0 122,719
SPDR SERIES TRUST PORTFLI TIPS ETF 78464A656 1,652 57,848 SH   SOLE   0 0 57,848
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 11,338 385,908 SH   SOLE   0 0 385,908
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 18,491 463,902 SH   SOLE   0 0 463,902
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 581 6,929 SH   SOLE   0 0 6,929
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 205 2,540 SH   SOLE   0 0 2,540
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 226 3,992 SH   SOLE   0 0 3,992
VANGUARD INDEX FDS MID CAP ETF 922908629 925 5,189 SH   SOLE   0 0 5,189
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 545 1,844 SH   SOLE   0 0 1,844
VANGUARD INDEX FDS SMALL CP ETF 922908751 611 3,687 SH   SOLE   0 0 3,687
VANGUARD INDEX FDS LARGE CAP ETF 922908637 465 3,146 SH   SOLE   0 0 3,146
VANGUARD INDEX FDS TOTAL STK MKT 922908769 10,796 66,201 SH   SOLE   0 0 66,201
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,774 130,112 SH   SOLE   0 0 130,112
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 13,391 165,255 SH   SOLE   0 0 165,255
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 5,786 131,544 SH   SOLE   0 0 131,544