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
Estimated average burden
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
INVESCO EXCHNG TRADED FD TR SR LN ETF 46138G508 783 34,173 SH   SOLE   0 0 34,173
ISHARES TR TIPS BD ETF 464287176 5,311 47,052 SH   SOLE   0 0 47,052
ISHARES TR MSCI EAFE ETF 464287465 10,972 163,838 SH   SOLE   0 0 163,838
ISHARES TR RUSSELL 2000 ETF 464287655 15,829 96,651 SH   SOLE   0 0 96,651
ISHARES TR FLTG RATE NT ETF 46429B655 1,295 25,393 SH   SOLE   0 0 25,393
ISHARES TR MIN VOL EAFE ETF 46429B689 8,121 114,151 SH   SOLE   0 0 114,151
PROSHARES TR INVT INT RT HG 74347B607 18,545 250,911 SH   SOLE   0 0 250,911
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 212 8,207 SH   SOLE   0 0 8,207
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 211 4,234 SH   SOLE   0 0 4,234
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,172 22,750 SH   SOLE   0 0 22,750
SPDR SER TR BLOMBERG BRC INV 78468R200 1,189 38,652 SH   SOLE   0 0 38,652
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 4,894 183,744 SH   SOLE   0 0 183,744
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 2,135 45,446 SH   SOLE   0 0 45,446
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 30,599 643,511 SH   SOLE   0 0 643,511
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 7,816 99,931 SH   SOLE   0 0 99,931
VANGUARD GROUP DIV APP ETF 921908844 11,627 114,417 SH   SOLE   0 0 114,417
VERIZON COMMUNICATIONS INC COM 92343V104 1,261 25,056 SH   SOLE   0 0 25,056