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
ZIONS BANCORPORATION N A COM 989701107 404 8,792 SH   SOLE   0 0 8,792
ISHARES TR TIPS BD ETF 464287176 10,120 87,626 SH   SOLE   0 0 87,626
ALPHABET INC CAP STK CL C 02079K107 216 200 SH   SOLE   0 0 200
EXXON MOBIL CORP COM 30231G102 953 12,437 SH   SOLE   0 0 12,437
UNION PACIFIC CORP COM 907818108 389 2,301 SH   SOLE   0 0 2,301
LILLY ELI & CO COM 532457108 257 2,324 SH   SOLE   0 0 2,324
ISHARES TR GLOBAL REIT ETF 46434V647 2,700 101,234 SH   SOLE   0 0 101,234
ZAGG INC COM 98884U108 175 25,119 SH   SOLE   0 0 25,119
GILEAD SCIENCES INC COM 375558103 2,571 38,053 SH   SOLE   0 0 38,053
FIDELITY MSCI RL EST ETF 316092857 5,402 206,337 SH   SOLE   0 0 206,337
ISHARES TR CORE MSCI TOTAL 46432F834 19,093 325,590 SH   SOLE   0 0 325,590
MEDTRONIC PLC SHS G5960L103 2,399 24,631 SH   SOLE   0 0 24,631
ISHARES TR CORE S&P500 ETF 464287200 32,922 111,693 SH   SOLE   0 0 111,693
ISHARES TR CORE HIGH DV ETF 46429B663 12,913 136,648 SH   SOLE   0 0 136,648
ISHARES TR CORE INTL AGGR 46435G672 13,943 255,951 SH   SOLE   0 0 255,951
ISHARES TR CORE S&P TTL STK 464287150 29,245 438,911 SH   SOLE   0 0 438,911
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 4,125 33,008 SH   SOLE   0 0 33,008
BLACKROCK TCP CAPITAL CORP NOTE 4.625% 3/0 87238QAD5 50 49,000 PRN   SOLE   0 0 49,000
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 304 1,142 SH   SOLE   0 0 1,142
CHEVRON CORP NEW COM 166764100 1,438 11,552 SH   SOLE   0 0 11,552
ISHARES TR CORE US AGGBD ET 464287226 44,491 399,557 SH   SOLE   0 0 399,557
ISHARES TR CORE TOTAL USD 46434V613 23,963 463,687 SH   SOLE   0 0 463,687
PROSPECT CAPITAL CORPORATION NOTE 4.750% 4/1 74348TAQ5 50 50,000 PRN   SOLE   0 0 50,000
AMGEN INC COM 031162100 1,802 9,777 SH   SOLE   0 0 9,777
ISHARES TR CORE S&P SCP ETF 464287804 14,648 187,124 SH   SOLE   0 0 187,124
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 282 2,380 SH   SOLE   0 0 2,380
AMAZON COM INC COM 023135106 553 292 SH   SOLE   0 0 292
JPMORGAN CHASE & CO COM 46625H100 216 1,935 SH   SOLE   0 0 1,935
ISHARES TR CORE 1 5 YR USD 46432F859 41,124 815,474 SH   SOLE   0 0 815,474
INVESCO QQQ TR UNIT SER 1 46090E103 378 2,026 SH   SOLE   0 0 2,026
PROSPECT CAPITAL CORPORATION NOTE 6.375% 3/0 74348TAT9 61 60,000 PRN   SOLE   0 0 60,000
ISHARES TR INTL DEV RE ETF 464288489 4,246 142,446 SH   SOLE   0 0 142,446
BECTON DICKINSON & CO COM 075887109 218 866 SH   SOLE   0 0 866
ISHARES INC CORE MSCI EMKT 46434G103 12,868 250,148 SH   SOLE   0 0 250,148
FORD MTR CO DEL COM 345370860 173 16,940 SH   SOLE   0 0 16,940
BOSTON SCIENTIFIC CORP COM 101137107 3,864 89,902 SH   SOLE   0 0 89,902
WELLS FARGO CO NEW COM 949746101 661 13,964 SH   SOLE   0 0 13,964
ISHARES TR CORE S&P MCP ETF 464287507 22,859 117,674 SH   SOLE   0 0 117,674
APPLE INC COM 037833100 624 3,154 SH   SOLE   0 0 3,154
INTERNATIONAL BUSINESS MACHS COM 459200101 387 2,805 SH   SOLE   0 0 2,805
ISHARES TR CORE MSCI EAFE 46432F842 1,049 17,080 SH   SOLE   0 0 17,080