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 18,068 136,794 SH   SOLE   0 0 136,794
ISHARES TR ISHS 5-10YR INVT 464288638 32,209 587,004 SH   SOLE   0 0 587,004
ISHARES INC CORE MSCI EMKT 46434G103 8,910 160,392 SH   SOLE   0 0 160,392
ISHARES TR CORE S&P MCP ETF 464287507 4,585 17,086 SH   SOLE   0 0 17,086
ISHARES TR CORE S&P SCP ETF 464287804 4,446 41,210 SH   SOLE   0 0 41,210
ISHARES TR JPMORGAN USD EMG 464288281 11,232 114,889 SH   SOLE   0 0 114,889
ISHARES TR MSCI USA MIN VOL 46429B697 9,952 128,296 SH   SOLE   0 0 128,296
ISHARES TR MSCI USA MMENTM 46432F396 5,581 33,169 SH   SOLE   0 0 33,169
ISHARES TR RUSSELL 2000 ETF 464287655 424 2,065 SH   SOLE   0 0 2,065
ISHARES TR RUS MID CAP ETF 464287499 353 4,528 SH   SOLE   0 0 4,528
ISHARES TR S&P 500 GRWT ETF 464287309 17,813 233,220 SH   SOLE   0 0 233,220
ISHARES TR S&P 500 VAL ETF 464287408 26,107 167,655 SH   SOLE   0 0 167,655
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 9,192 185,442 SH   SOLE   0 0 185,442
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 6,841 142,440 SH   SOLE   0 0 142,440
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 19,621 391,629 SH   SOLE   0 0 391,629
VANGUARD INDEX FDS VALUE ETF 922908744 6,572 44,471 SH   SOLE   0 0 44,471
ISHARES TR CORE MSCI EAFE 46432F842 25,863 372,069 SH   SOLE   0 0 372,069
VANGUARD INDEX FDS GROWTH ETF 922908736 9,265 32,214 SH   SOLE   0 0 32,214
VANGUARD INDEX FDS SMALL CP ETF 922908751 758 3,565 SH   SOLE   0 0 3,565
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 806 5,383 SH   SOLE   0 0 5,383
ISHARES TR RUS MD CP GR ETF 464287481 253 2,514 SH   SOLE   0 0 2,514
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 1,605 26,252 SH   SOLE   0 0 26,252
AMAZON COM INC COM 023135106 476 146 SH   SOLE   0 0 146
SPDR S&P 500 ETF TR TR UNIT 78462F103 418 925 SH   SOLE   0 0 925
VANGUARD WORLD FDS INF TECH ETF 92204A702 304 731 SH   SOLE   0 0 731
ISHARES TR ISHS 1-5YR INVS 464288646 931 18,001 SH   SOLE   0 0 18,001
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,835 61,456 SH   SOLE   0 0 61,456
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 1,240 54,859 SH   SOLE   0 0 54,859
ISHARES TR CORE MSCI PAC 46434V696 316 5,191 SH   SOLE   0 0 5,191
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 501 18,042 SH   SOLE   0 0 18,042
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 890 3,995 SH   SOLE   0 0 3,995
VANGUARD INDEX FDS SML CP GRW ETF 922908595 738 2,975 SH   SOLE   0 0 2,975
SPDR SER TR SSGA US LRG ETF 78468R804 630 4,387 SH   SOLE   0 0 4,387
VANGUARD INDEX FDS MID CAP ETF 922908629 1,249 5,251 SH   SOLE   0 0 5,251
VANGUARD INDEX FDS SM CP VAL ETF 922908611 656 3,730 SH   SOLE   0 0 3,730
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,301 15,119 SH   SOLE   0 0 15,119
APPLE INC COM 037833100 285 1,635 SH   SOLE   0 0 1,635
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 801 12,866 SH   SOLE   0 0 12,866
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 831 11,227 SH   SOLE   0 0 11,227
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 936 11,646 SH   SOLE   0 0 11,646
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 421 8,880 SH   SOLE   0 0 8,880
ISHARES TR MSCI EMG MKT ETF 464287234 291 6,437 SH   SOLE   0 0 6,437
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 669 8,946 SH   SOLE   0 0 8,946
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 202 2,776 SH   SOLE   0 0 2,776
EXXON MOBIL CORP COM 30231G102 223 2,698 SH   SOLE   0 0 2,698
VANGUARD INDEX FDS TOTAL STK MKT 922908769 320 1,404 SH   SOLE   0 0 1,404
ISHARES TR CORE MSCI EURO 46434V738 420 7,857 SH   SOLE   0 0 7,857
ADVANCED MICRO DEVICES INC COM 007903107 273 2,500 SH   SOLE   0 0 2,500
SWEDISH EXPT CR CORP ROG TTL ETN 22 870297801 148 16,868 SH   SOLE   0 0 16,868
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,369 22,542 SH   SOLE   0 0 22,542
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 220 2,760 SH   SOLE   0 0 2,760
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 269 5,000 SH   SOLE   0 0 5,000
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 263 5,191 SH   SOLE   0 0 5,191
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 339 4,351 SH   SOLE   0 0 4,351