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
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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   716,962 388 SH   SOLE   0 0 388
BRISTOL MYERS SQUIBB CO COM 110122108   212,918 3,317 SH   SOLE   0 0 3,317
INTEL CORP COM 458140100   476,896 7,968 SH   SOLE   0 0 7,968
ISHARES TR CORE US AGGBD ET 464287226   1,616,857 14,389 SH   SOLE   0 0 14,389
ISHARES TR EAFE SML CP ETF 464288273   693,124 11,129 SH   SOLE   0 0 11,129
ISHARES TR NATIONAL MUN ETF 464288414   3,939,264 34,582 SH   SOLE   0 0 34,582
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   580,180 8,978 SH   SOLE   0 0 8,978
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   340,054 3,723 SH   SOLE   0 0 3,723
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,773,094 10,705 SH   SOLE   0 0 10,705
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   630,494 10,011 SH   SOLE   0 0 10,011
SELECT SECTOR SPDR TR ENERGY 81369Y506   429,141 7,148 SH   SOLE   0 0 7,148
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605   502,012 16,310 SH   SOLE   0 0 16,310
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   752,525 7,388 SH   SOLE   0 0 7,388
HEALTHEQUITY INC COM 42226A107   241,320 3,258 SH   SOLE   0 0 3,258
ISHARES TR 20 YR TR BD ETF 464287432   2,234,959 16,497 SH   SOLE   0 0 16,497
SPDR GOLD TRUST GOLD SHS 78463V107   2,357,421 16,497 SH   SOLE   0 0 16,497
SPDR SERIES TRUST PORTFLI INTRMDIT 78464A672   1,307,322 42,267 SH   SOLE   0 0 42,267
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,328,797 14,495 SH   SOLE   0 0 14,495
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   1,094,512 11,652 SH   SOLE   0 0 11,652
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   594,464 9,021 SH   SOLE   0 0 9,021
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649   499,649 17,006 SH   SOLE   0 0 17,006
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   378,802 12,083 SH   SOLE   0 0 12,083
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664   845,735 21,758 SH   SOLE   0 0 21,758
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847   258,913 7,146 SH   SOLE   0 0 7,146
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854   581,423 15,373 SH   SOLE   0 0 15,373
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853   369,143 11,313 SH   SOLE   0 0 11,313
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858   697,864 15,839 SH   SOLE   0 0 15,839
ISHARES TR EAFE VALUE ETF 464288877   377,785 7,566 SH   SOLE   0 0 7,566
APPLE INC COM 037833100   1,859,013 6,331 SH   SOLE   0 0 6,331
VANGUARD GROUP DIV APP ETF 921908844   220,525 1,769 SH   SOLE   0 0 1,769
VANGUARD INDEX FDS MID CAP ETF 922908629   767,265 4,306 SH   SOLE   0 0 4,306
WALMART INC COM 931142103   91,294,700 768,215 SH   SOLE   0 0 768,215
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   241,161 2,599 SH   SOLE   0 0 2,599
FIFTH THIRD BANCORP COM 316773100   301,252 9,800 SH   SOLE   0 0 9,800
GLOBE LIFE INC COM 37959E102   236,181 2,244 SH   SOLE   0 0 2,244
ISHARES TR CORE S&P US VLU 464287663   861,546 13,671 SH   SOLE   0 0 13,671
ISHARES TR GLOBAL TECH ETF 464287291   1,664,134 7,906 SH   SOLE   0 0 7,906
MASIMO CORP COM 574795100   340,303 2,153 SH   SOLE   0 0 2,153
ORIX CORP SPONSORED ADR 686330101   216,866 2,600 SH   SOLE   0 0 2,600
PHILLIPS 66 COM 718546104   284,018 2,549 SH   SOLE   0 0 2,549
SELECTIVE INS GROUP INC COM 816300107   404,906 6,211 SH   SOLE   0 0 6,211
SPDR SERIES TRUST S&P INS ETF 78464A789   409,713 11,564 SH   SOLE   0 0 11,564
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   284,690 4,900 SH   SOLE   0 0 4,900
CIGNA CORP NEW COM 125523100   282,810 1,383 SH   SOLE   0 0 1,383
TRAVELERS COMPANIES INC COM 89417E109   313,180 2,287 SH   SOLE   0 0 2,287
TJX COS INC NEW COM 872540109   414,231 6,784 SH   SOLE   0 0 6,784
TYSON FOODS INC CL A 902494103   322,248 3,540 SH   SOLE   0 0 3,540
VALERO ENERGY CORP NEW COM 91913Y100   583,358 6,229 SH   SOLE   0 0 6,229
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   518,084 11,650 SH   SOLE   0 0 11,650
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,641,222 16,142 SH   SOLE   0 0 16,142
ISHARES TR BARCLAYS 7 10 YR 464287440   216,510 1,964 SH   SOLE   0 0 1,964
ISHARES TR IBOXX HI YD ETF 464288513   579,024 6,584 SH   SOLE   0 0 6,584
AT&T INC COM 00206R102   377,871 9,669 SH   SOLE   0 0 9,669
THE CHARLES SCHWAB CORPORATI COM 808513105   261,580 5,500 SH   SOLE   0 0 5,500
JPMORGAN CHASE & CO COM 46625H100   631,064 4,527 SH   SOLE   0 0 4,527
NORTHROP GRUMMAN CORP COM 666807102   378,023 1,099 SH   SOLE   0 0 1,099
SPDR SERIES TRUST S&P DIVID ETF 78464A763   236,654 2,200 SH   SOLE   0 0 2,200
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409   602,390 9,405 SH   SOLE   0 0 9,405
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837   1,973,617 39,136 SH   SOLE   0 0 39,136
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   471,347 2,081 SH   SOLE   0 0 2,081
ISHARES TR MSCI EAFE ETF 464287465   358,588 5,164 SH   SOLE   0 0 5,164
ISHARES TR DOW JONES US ETF 464287846   413,154 2,588 SH   SOLE   0 0 2,588
AMGEN INC COM 031162100   207,320 860 SH   SOLE   0 0 860
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   200,823 1,685 SH   SOLE   0 0 1,685
WALGREENS BOOTS ALLIANCE INC COM 931427108   218,211 3,701 SH   SOLE   0 0 3,701
INTERNATIONAL BUSINESS MACHS COM 459200101   306,805 2,289 SH   SOLE   0 0 2,289
TARGET CORP COM 87612E106   351,295 2,740 SH   SOLE   0 0 2,740
ISHARES TR CORE S&P500 ETF 464287200   959,999 2,970 SH   SOLE   0 0 2,970
BIOGEN INC COM 09062X103   272,992 920 SH   SOLE   0 0 920
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   550,678 6,796 SH   SOLE   0 0 6,796
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300   210,009 3,196 SH   SOLE   0 0 3,196
ISHARES TR RUSSELL 2000 ETF 464287655   261,262 1,577 SH   SOLE   0 0 1,577
ISHARES TR SHRT NAT MUN ETF 464288158   1,092,359 10,230 SH   SOLE   0 0 10,230
FORD MTR CO DEL COM 345370860   93,037 10,004 SH   SOLE   0 0 10,004
SNAP INC CL A 83304A106   265,036 16,230 SH   SOLE   0 0 16,230
ISHARES TR US TELECOM ETF 464287713   238,144 7,970 SH   SOLE   0 0 7,970
MARSH & MCLENNAN COS INC COM 571748102   250,450 2,248 SH   SOLE   0 0 2,248
AMN HEALTHCARE SERVICES INC COM 001744101   277,716 4,457 SH   SOLE   0 0 4,457
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   214,353 1,350 SH   SOLE   0 0 1,350