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
APPLE INC COM 037833100 349 2,047 SH   SOLE   0 0 2,047
DBX ETF TR XTRACK USD HIGH 233051432 45,271 903,788 SH   SOLE   0 0 903,788
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 2,839 111,853 SH   SOLE   0 0 111,853
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 58,947 1,847,873 SH   SOLE   0 0 1,847,873
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 68,362 1,791,000 SH   SOLE   0 0 1,791,000
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 136,505 1,803,478 SH   SOLE   0 0 1,803,478
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 43,887 1,521,725 SH   SOLE   0 0 1,521,725
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 921 43,527 SH   SOLE   0 0 43,527
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 559 7,619 SH   SOLE   0 0 7,619
ISHARES INC CORE MSCI EMKT 46434G103 46,729 753,246 SH   SOLE   0 0 753,246
ISHARES INC ESG AWR MSCI EM 46434G863 1,790 42,640 SH   SOLE   0 0 42,640
ISHARES TR 20 YR TR BD ETF 464287432 310 1,954 SH   SOLE   0 0 1,954
ISHARES TR CRE U S REIT ETF 464288521 2,298 47,466 SH   SOLE   0 0 47,466
ISHARES TR EAFE GRWTH ETF 464288885 1,669 16,544 SH   SOLE   0 0 16,544
ISHARES TR ESG AWR MSCI USA 46435G425 3,600 41,841 SH   SOLE   0 0 41,841
ISHARES TR MBS ETF 464288588 1,346 12,218 SH   SOLE   0 0 12,218
ISHARES TR RUSSELL 2000 ETF 464287655 801 4,088 SH   SOLE   0 0 4,088
ISHARES TR CORE TOTAL USD 46434V613 803 14,720 SH   SOLE   0 0 14,720
ISHARES TR U.S. MED DVC ETF 464288810 631 1,927 SH   SOLE   0 0 1,927
ISHARES TR IBOXX HI YD ETF 464288513 1,059 12,141 SH   SOLE   0 0 12,141
ISHARES TR NATIONAL MUN ETF 464288414 635 5,414 SH   SOLE   0 0 5,414
ISHARES TR RUS 1000 ETF 464287622 3,016 14,236 SH   SOLE   0 0 14,236
ISHARES TR 1 3 YR TREAS BD 464287457 4,150 48,040 SH   SOLE   0 0 48,040
ISHARES TR CORE US AGGBD ET 464287226 245,756 2,079,343 SH   SOLE   0 0 2,079,343
ISHARES TR ISHS 1-5YR INVS 464288646 1,993 36,122 SH   SOLE   0 0 36,122
ISHARES TR 0-5YR HI YL CP 46434V407 1,369 30,123 SH   SOLE   0 0 30,123
ISHARES TR US TREAS BD ETF 46429B267 2,977 109,276 SH   SOLE   0 0 109,276
ISHARES TR MSCI USA MIN VOL 46429B697 608 8,960 SH   SOLE   0 0 8,960
ISHARES TR GLOBAL TECH ETF 464287291 752 2,505 SH   SOLE   0 0 2,505
ISHARES TR JPMORGAN USD EMG 464288281 9,795 84,508 SH   SOLE   0 0 84,508
ISHARES TR CORE S&P MCP ETF 464287507 509 2,213 SH   SOLE   0 0 2,213
ISHARES TR CORE S&P SCP ETF 464287804 33,046 359,585 SH   SOLE   0 0 359,585
ISHARES TR CORE S&P TTL STK 464287150 224,286 2,601,361 SH   SOLE   0 0 2,601,361
ISHARES TR MSCI INTL MULTFT 46434V274 820 30,152 SH   SOLE   0 0 30,152
ISHARES TR MSCI USA VALUE 46432F388 1,121 12,902 SH   SOLE   0 0 12,902
ISHARES TR BARCLAYS 7 10 YR 464287440 333 2,776 SH   SOLE   0 0 2,776
ISHARES TR IBOXX INV CP ETF 464287242 3,565 25,807 SH   SOLE   0 0 25,807
ISHARES TR TIPS BD ETF 464287176 3,553 27,833 SH   SOLE   0 0 27,833
ISHARES TR CORE MSCI EAFE 46432F842 46,175 668,345 SH   SOLE   0 0 668,345
ISHARES TR CORE S&P500 ETF 464287200 6,142 16,361 SH   SOLE   0 0 16,361
SCHWAB STRATEGIC TR US REIT ETF 808524847 730 19,238 SH   SOLE   0 0 19,238
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 6,410 178,160 SH   SOLE   0 0 178,160
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 6,720 219,255 SH   SOLE   0 0 219,255
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 4,839 86,366 SH   SOLE   0 0 86,366
SCHWAB STRATEGIC TR US TIPS ETF 808524870 946 15,234 SH   SOLE   0 0 15,234
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,312 14,426 SH   SOLE   0 0 14,426
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 10,368 114,690 SH   SOLE   0 0 114,690
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,412 27,471 SH   SOLE   0 0 27,471
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 16,166 478,985 SH   SOLE   0 0 478,985
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 16,219 384,698 SH   SOLE   0 0 384,698
SPDR SER TR PORTFOLIO SH TSR 78468R101 4,367 142,192 SH   SOLE   0 0 142,192
SPDR SER TR S&P 400 MDCP GRW 78464A821 1,040 14,995 SH   SOLE   0 0 14,995
SPDR SER TR PORTFLI TIPS ETF 78464A656 2,368 75,957 SH   SOLE   0 0 75,957
SPDR SER TR PORTFOLIO AGRGTE 78464A649 14,245 462,666 SH   SOLE   0 0 462,666
SPDR SER TR PORTFOLI S&P1500 78464A805 25,316 549,270 SH   SOLE   0 0 549,270
SPDR SER TR S&P 400 MDCP VAL 78464A839 890 16,044 SH   SOLE   0 0 16,044
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 654 7,416 SH   SOLE   0 0 7,416
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,521 78,663 SH   SOLE   0 0 78,663
VANGUARD BD INDEX FDS INTERMED TERM 921937819 3,551 38,242 SH   SOLE   0 0 38,242
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 3,838 35,005 SH   SOLE   0 0 35,005
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 7,688 131,299 SH   SOLE   0 0 131,299
VANGUARD INDEX FDS MID CAP ETF 922908629 1,207 5,835 SH   SOLE   0 0 5,835
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 10,012 29,131 SH   SOLE   0 0 29,131
VANGUARD INDEX FDS SMALL CP ETF 922908751 515 2,643 SH   SOLE   0 0 2,643
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 164,214 997,171 SH   SOLE   0 0 997,171
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,438 8,184 SH   SOLE   0 0 8,184
VANGUARD INDEX FDS GROWTH ETF 922908736 201 795 SH   SOLE   0 0 795
VANGUARD INDEX FDS TOTAL STK MKT 922908769 10,823 56,332 SH   SOLE   0 0 56,332
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,247 165,711 SH   SOLE   0 0 165,711
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 23,217 278,889 SH   SOLE   0 0 278,889
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 3,855 71,289 SH   SOLE   0 0 71,289
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 12,427 264,338 SH   SOLE   0 0 264,338