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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR 20 YR TR BD ETF 464287432 18,926 127,711 SH   SOLE   0 0 127,711
ISHARES TR ISHS 5-10YR INVT 464288638 35,222 594,272 SH   SOLE   0 0 594,272
ISHARES INC CORE MSCI EMKT 46434G103 10,563 176,466 SH   SOLE   0 0 176,466
ISHARES TR CORE S&P MCP ETF 464287507 4,832 17,071 SH   SOLE   0 0 17,071
ISHARES TR CORE S&P SCP ETF 464287804 4,756 41,531 SH   SOLE   0 0 41,531
ISHARES TR JPMORGAN USD EMG 464288281 12,876 118,067 SH   SOLE   0 0 118,067
ISHARES TR MSCI USA MIN VOL 46429B697 10,338 127,788 SH   SOLE   0 0 127,788
ISHARES TR MSCI USA MMENTM 46432F396 7,030 38,667 SH   SOLE   0 0 38,667
ISHARES TR RUSSELL 2000 ETF 464287655 459 2,065 SH   SOLE   0 0 2,065
ISHARES TR RUS MID CAP ETF 464287499 376 4,528 SH   SOLE   0 0 4,528
ISHARES TR S&P 500 GRWT ETF 464287309 19,883 237,632 SH   SOLE   0 0 237,632
ISHARES TR S&P 500 VAL ETF 464287408 26,001 166,005 SH   SOLE   0 0 166,005
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 9,369 187,563 SH   SOLE   0 0 187,563
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,607 90,235 SH   SOLE   0 0 90,235
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 20,001 378,521 SH   SOLE   0 0 378,521
VANGUARD INDEX FDS VALUE ETF 922908744 6,639 45,128 SH   SOLE   0 0 45,128
ISHARES TR CORE MSCI EAFE 46432F842 29,622 396,861 SH   SOLE   0 0 396,861
SPDR SER TR SSGA US LRG ETF 78468R804 631 4,186 SH   SOLE   0 0 4,186
VANGUARD INDEX FDS GROWTH ETF 922908736 9,595 29,899 SH   SOLE   0 0 29,899
VANGUARD INDEX FDS MID CAP ETF 922908629 1,262 4,952 SH   SOLE   0 0 4,952
VANGUARD INDEX FDS SMALL CP ETF 922908751 849 3,756 SH   SOLE   0 0 3,756
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 828 5,507 SH   SOLE   0 0 5,507
ISHARES TR RUS MD CP GR ETF 464287481 290 2,516 SH   SOLE   0 0 2,516
AMAZON COM INC COM 023135106 437 131 SH   SOLE   0 0 131
SPDR S&P 500 ETF TR TR UNIT 78462F103 439 925 SH   SOLE   0 0 925
VANGUARD WORLD FDS INF TECH ETF 92204A702 391 854 SH   SOLE   0 0 854
ISHARES TR ISHS 1-5YR INVS 464288646 922 17,115 SH   SOLE   0 0 17,115
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,650 33,360 SH   SOLE   0 0 33,360
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 642 24,357 SH   SOLE   0 0 24,357
ISHARES TR CORE MSCI PAC 46434V696 331 5,191 SH   SOLE   0 0 5,191
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 534 18,042 SH   SOLE   0 0 18,042
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 1,991 22,271 SH   SOLE   0 0 22,271
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,036 4,069 SH   SOLE   0 0 4,069
VANGUARD INDEX FDS SML CP GRW ETF 922908595 864 3,066 SH   SOLE   0 0 3,066
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 500 7,755 SH   SOLE   0 0 7,755
VANGUARD INDEX FDS SM CP VAL ETF 922908611 687 3,843 SH   SOLE   0 0 3,843
APPLE INC COM 037833100 270 1,520 SH   SOLE   0 0 1,520
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 916 13,426 SH   SOLE   0 0 13,426
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 950 12,174 SH   SOLE   0 0 12,174
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 366 3,943 SH   SOLE   0 0 3,943
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 546 6,442 SH   SOLE   0 0 6,442
ISHARES TR MSCI EMG MKT ETF 464287234 314 6,437 SH   SOLE   0 0 6,437
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 757 4,620 SH   SOLE   0 0 4,620
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 213 2,886 SH   SOLE   0 0 2,886
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 406 5,021 SH   SOLE   0 0 5,021
VANGUARD INDEX FDS TOTAL STK MKT 922908769 339 1,404 SH   SOLE   0 0 1,404
ISHARES TR CORE MSCI EURO 46434V738 457 7,857 SH   SOLE   0 0 7,857
ADVANCED MICRO DEVICES INC COM 007903107 360 2,500 SH   SOLE   0 0 2,500
SWEDISH EXPT CR CORP ROG TTL ETN 22 870297801 210 30,370 SH   SOLE   0 0 30,370
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,433 22,787 SH   SOLE   0 0 22,787
ISHARES TR MSCI EAFE ETF 464287465 202 2,565 SH   SOLE   0 0 2,565
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 285 2,500 SH   SOLE   0 0 2,500
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 216 2,111 SH   SOLE   0 0 2,111
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 345 6,399 SH   SOLE   0 0 6,399