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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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 27,096 614,831 SH   SOLE   0 0 614,831
FIDELITY COVINGTON TR MSCI RL EST ETF 316092857 2,047 98,423 SH   SOLE   0 0 98,423
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 31,326 1,358,443 SH   SOLE   0 0 1,358,443
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 34,868 1,332,356 SH   SOLE   0 0 1,332,356
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 69,888 1,339,107 SH   SOLE   0 0 1,339,107
INVESCO EXCHANGE-TRADED FD T EMRNG MKT SVRG 46138E784 24,384 1,019,814 SH   SOLE   0 0 1,019,814
INVESCO EXCHANGE-TRADED FD T FTSE RAFI EMNG 46138E727 197 12,792 SH   SOLE   0 0 12,792
ISHARES INC CORE MSCI EMKT 46434G103 25,390 627,326 SH   SOLE   0 0 627,326
ISHARES TR CRE U S REIT ETF 464288521 1,594 40,700 SH   SOLE   0 0 40,700
ISHARES TR ESG MSCI USA ETF 46435G425 207 3,598 SH   SOLE   0 0 3,598
ISHARES TR USA QUALITY FCTR 46432F339 204 2,513 SH   SOLE   0 0 2,513
ISHARES TR RUSSELL 2000 ETF 464287655 1,422 12,420 SH   SOLE   0 0 12,420
ISHARES TR NATIONAL MUN ETF 464288414 341 3,018 SH   SOLE   0 0 3,018
ISHARES TR RUS 1000 ETF 464287622 2,580 18,228 SH   SOLE   0 0 18,228
ISHARES TR 1 3 YR TREAS BD 464287457 3,355 38,708 SH   SOLE   0 0 38,708
ISHARES TR CORE US AGGBD ET 464287226 152,330 1,320,370 SH   SOLE   0 0 1,320,370
ISHARES TR INTRM TR CRP ETF 464288638 250 4,559 SH   SOLE   0 0 4,559
ISHARES TR US TREAS BD ETF 46429B267 691 24,670 SH   SOLE   0 0 24,670
ISHARES TR JPMORGAN USD EMG 464288281 6,159 63,706 SH   SOLE   0 0 63,706
ISHARES TR CORE S&P SCP ETF 464287804 48,434 863,194 SH   SOLE   0 0 863,194
ISHARES TR CORE S&P MCP ETF 464287507 57,081 396,781 SH   SOLE   0 0 396,781
ISHARES TR CORE S&P TTL STK 464287150 23,297 407,143 SH   SOLE   0 0 407,143
ISHARES TR TIPS BD ETF 464287176 2,755 23,361 SH   SOLE   0 0 23,361
ISHARES TR CORE MSCI EAFE 46432F842 26,580 532,724 SH   SOLE   0 0 532,724
ISHARES TR CORE S&P500 ETF 464287200 85,520 330,958 SH   SOLE   0 0 330,958
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 239 4,937 SH   SOLE   0 0 4,937
SCHWAB STRATEGIC TR US REIT ETF 808524847 401 12,259 SH   SOLE   0 0 12,259
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,635 175,703 SH   SOLE   0 0 175,703
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,658 141,570 SH   SOLE   0 0 141,570
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,459 63,742 SH   SOLE   0 0 63,742
SCHWAB STRATEGIC TR US TIPS ETF 808524870 646 11,235 SH   SOLE   0 0 11,235
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 755 12,329 SH   SOLE   0 0 12,329
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,833 96,522 SH   SOLE   0 0 96,522
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 830 16,050 SH   SOLE   0 0 16,050
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 10,014 418,306 SH   SOLE   0 0 418,306
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 9,523 334,627 SH   SOLE   0 0 334,627
SPDR SER TR PORTFOLIO SH TSR 78468R101 3,642 118,559 SH   SOLE   0 0 118,559
SPDR SER TR PORTFLI TIPS ETF 78464A656 1,789 61,597 SH   SOLE   0 0 61,597
SPDR SER TR PORTFOLIO AGRGTE 78464A649 11,094 367,124 SH   SOLE   0 0 367,124
SPDR SER TR PORTFOLI S&P1500 78464A805 15,190 482,977 SH   SOLE   0 0 482,977
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 517 6,058 SH   SOLE   0 0 6,058
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 756 9,202 SH   SOLE   0 0 9,202
VANGUARD BD INDEX FDS INTERMED TERM 921937819 423 4,735 SH   SOLE   0 0 4,735
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 407 3,816 SH   SOLE   0 0 3,816
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 832 14,782 SH   SOLE   0 0 14,782
VANGUARD INDEX FDS MID CAP ETF 922908629 724 5,497 SH   SOLE   0 0 5,497
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,653 6,979 SH   SOLE   0 0 6,979
VANGUARD INDEX FDS SMALL CP ETF 922908751 454 3,931 SH   SOLE   0 0 3,931
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 297 3,284 SH   SOLE   0 0 3,284
VANGUARD INDEX FDS LARGE CAP ETF 922908637 429 3,626 SH   SOLE   0 0 3,626
VANGUARD INDEX FDS TOTAL STK MKT 922908769 7,380 57,323 SH   SOLE   0 0 57,323
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,057 120,842 SH   SOLE   0 0 120,842
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 14,226 179,851 SH   SOLE   0 0 179,851
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 462 8,469 SH   SOLE   0 0 8,469
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,926 147,619 SH   SOLE   0 0 147,619