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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM 023135106   545,365 288 SH   SOLE   0 0 288
INTEL CORP COM 458140100   338,917 7,080 SH   SOLE   0 0 7,080
ISHARES TR CORE US AGGBD ET 464287226   1,655,299 14,866 SH   SOLE   0 0 14,866
ISHARES TR EAFE SML CP ETF 464288273   501,470 8,736 SH   SOLE   0 0 8,736
ISHARES TR NATIONAL MUN ETF 464288414   4,019,926 35,546 SH   SOLE   0 0 35,546
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   450,687 7,558 SH   SOLE   0 0 7,558
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   381,340 4,244 SH   SOLE   0 0 4,244
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,485,909 9,485 SH   SOLE   0 0 9,485
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407   212,207 3,703 SH   SOLE   0 0 3,703
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   501,459 8,635 SH   SOLE   0 0 8,635
SELECT SECTOR SPDR TR ENERGY 81369Y506   542,339 8,513 SH   SOLE   0 0 8,513
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605   394,612 14,298 SH   SOLE   0 0 14,298
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   659,199 7,116 SH   SOLE   0 0 7,116
HEALTHEQUITY INC COM 42226A107   258,788 3,957 SH   SOLE   0 0 3,957
ISHARES TR 20 YR TR BD ETF 464287432   1,534,869 11,557 SH   SOLE   0 0 11,557
SPDR GOLD TRUST GOLD SHS 78463V107   1,779,685 13,361 SH   SOLE   0 0 13,361
SPDR SERIES TRUST BLMBRG BRC INTRM 78464A672   625,317 10,118 SH   SOLE   0 0 10,118
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,293,457 16,574 SH   SOLE   0 0 16,574
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   959,985 11,074 SH   SOLE   0 0 11,074
INVESCO DB MLTI SECTR CMMTY OIL FD 46140H403   493,496 49,153 SH   SOLE   0 0 49,153
ISHARES TR FLTG RATE NT ETF 46429B655   1,265,373 24,845 SH   SOLE   0 0 24,845
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   508,939 7,715 SH   SOLE   0 0 7,715
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649   468,843 16,073 SH   SOLE   0 0 16,073
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   272,583 9,212 SH   SOLE   0 0 9,212
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664   416,288 10,909 SH   SOLE   0 0 10,909
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854   488,501 14,143 SH   SOLE   0 0 14,143
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858   664,218 15,925 SH   SOLE   0 0 15,925
ISHARES TR EAFE VALUE ETF 464288877   343,862 7,153 SH   SOLE   0 0 7,153
APPLE INC COM 037833100   1,501,255 7,585 SH   SOLE   0 0 7,585
VANGUARD INDEX FDS MID CAP ETF 922908629   724,399 4,334 SH   SOLE   0 0 4,334
WALMART INC COM 931142103   85,176,664 770,899 SH   SOLE   0 0 770,899
ISHARES TR CORE S&P500 ETF 464287200   982,969 3,335 SH   SOLE   0 0 3,335
FIFTH THIRD BANCORP COM 316773100   267,840 9,600 SH   SOLE   0 0 9,600
ISHARES TR CORE S&P US VLU 464287663   774,462 13,671 SH   SOLE   0 0 13,671
ISHARES TR GLOBAL TECH ETF 464287291   1,482,020 8,255 SH   SOLE   0 0 8,255
MASIMO CORP COM 574795100   320,409 2,153 SH   SOLE   0 0 2,153
PHILLIPS 66 COM 718546104   244,423 2,613 SH   SOLE   0 0 2,613
SELECTIVE INS GROUP INC COM 816300107   517,213 6,906 SH   SOLE   0 0 6,906
SPDR SERIES TRUST S&P INS ETF 78464A789   393,060 11,564 SH   SOLE   0 0 11,564
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   203,684 5,200 SH   SOLE   0 0 5,200
CIGNA CORP NEW COM 125523100   243,102 1,543 SH   SOLE   0 0 1,543
TRAVELERS COMPANIES INC COM 89417E109   341,736 2,286 SH   SOLE   0 0 2,286
TJX COS INC NEW COM 872540109   366,987 6,940 SH   SOLE   0 0 6,940
TYSON FOODS INC CL A 902494103   326,069 4,039 SH   SOLE   0 0 4,039
VALERO ENERGY CORP NEW COM 91913Y100   588,834 6,878 SH   SOLE   0 0 6,878
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   402,232 9,458 SH   SOLE   0 0 9,458
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,449,081 16,317 SH   SOLE   0 0 16,317
ISHARES TR BARCLAYS 7 10 YR 464287440   301,759 2,743 SH   SOLE   0 0 2,743
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853   263,749 8,608 SH   SOLE   0 0 8,608
AT&T INC COM 00206R102   309,407 9,233 SH   SOLE   0 0 9,233
THE CHARLES SCHWAB CORPORATI COM 808513105   200,950 5,000 SH   SOLE   0 0 5,000
JPMORGAN CHASE & CO COM 46625H100   576,441 5,156 SH   SOLE   0 0 5,156
NORTHROP GRUMMAN CORP COM 666807102   355,098 1,099 SH   SOLE   0 0 1,099
SPDR SERIES TRUST S&P DIVID ETF 78464A763   221,936 2,200 SH   SOLE   0 0 2,200
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409   530,331 8,315 SH   SOLE   0 0 8,315
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837   540,639 10,729 SH   SOLE   0 0 10,729
INTERNATIONAL BUSINESS MACHS COM 459200101   456,756 3,312 SH   SOLE   0 0 3,312
ISHARES TR DOW JONES US ETF 464287846   378,184 2,588 SH   SOLE   0 0 2,588
TARGET CORP COM 87612E106   275,593 3,182 SH   SOLE   0 0 3,182
BIOGEN INC COM 09062X103   215,160 920 SH   SOLE   0 0 920
ISHARES TR IBOXX HI YD ETF 464288513   290,031 3,327 SH   SOLE   0 0 3,327
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   558,384 6,921 SH   SOLE   0 0 6,921
INVESCO QQQ TR UNIT SER 1 46090E103   202,878 1,086 SH   SOLE   0 0 1,086
SQUARE INC CL A 852234103   364,463 5,025 SH   SOLE   0 0 5,025
ISHARES TR RUSSELL 2000 ETF 464287655   245,224 1,577 SH   SOLE   0 0 1,577
ISHARES TR SHRT NAT MUN ETF 464288158   1,119,414 10,506 SH   SOLE   0 0 10,506
ISHARES TR MSCI EAFE ETF 464287465   269,493 4,100 SH   SOLE   0 0 4,100
SNAP INC CL A 83304A106   232,804 16,280 SH   SOLE   0 0 16,280
ISHARES TR US TELECOM ETF 464287713   234,717 7,970 SH   SOLE   0 0 7,970
MARSH & MCLENNAN COS INC COM 571748102   284,288 2,850 SH   SOLE   0 0 2,850
AMN HEALTHCARE SERVICES INC COM 001744101   276,675 5,100 SH   SOLE   0 0 5,100
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   201,569 1,350 SH   SOLE   0 0 1,350