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
ANNALY CAP MGMT INC COM 035710409 294 32,288 SH   SOLE NONE 0 0 32,288
BANK AMER CORP COM 060505104 239 8,273 SH   SOLE NONE 0 0 8,273
GENERAL DYNAMICS CORP COM 369550108 412 2,267 SH   SOLE NONE 0 0 2,267
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 726 46,162 SH   SOLE NONE 0 0 46,162
ISHARES INC CORE MSCI EMKT 46434G103 5,322 103,461 SH   SOLE NONE 0 0 103,461
ISHARES TR SELECT DIVID ETF 464287168 4,382 44,017 SH   SOLE NONE 0 0 44,017
ISHARES TR TIPS BD ETF 464287176 1,755 15,198 SH   SOLE NONE 0 0 15,198
ISHARES TR CORE S&P500 ETF 464287200 18,832 63,892 SH   SOLE NONE 0 0 63,892
ISHARES TR CORE US AGGBD ET 464287226 4,892 43,937 SH   SOLE NONE 0 0 43,937
ISHARES TR MSCI EMG MKT ETF 464287234 626 14,607 SH   SOLE NONE 0 0 14,607
ISHARES TR IBOXX INV CP ETF 464287242 386 3,109 SH   SOLE NONE 0 0 3,109
ISHARES TR S&P 500 GRWT ETF 464287309 9,191 51,278 SH   SOLE NONE 0 0 51,278
ISHARES TR S&P 500 VAL ETF 464287408 5,319 45,631 SH   SOLE NONE 0 0 45,631
ISHARES TR MSCI EAFE ETF 464287465 2,045 31,123 SH   SOLE NONE 0 0 31,123
ISHARES TR CORE S&P MCP ETF 464287507 7,073 36,411 SH   SOLE NONE 0 0 36,411
ISHARES TR RUS 1000 VAL ETF 464287598 461 3,630 SH   SOLE NONE 0 0 3,630
ISHARES TR S&P MC 400GR ETF 464287606 3,620 16,000 SH   SOLE NONE 0 0 16,000
ISHARES TR RUS 1000 GRW ETF 464287614 862 5,483 SH   SOLE NONE 0 0 5,483
ISHARES TR RUS 2000 VAL ETF 464287630 467 3,878 SH   SOLE NONE 0 0 3,878
ISHARES TR RUS 2000 GRW ETF 464287648 633 3,153 SH   SOLE NONE 0 0 3,153
ISHARES TR RUSSELL 2000 ETF 464287655 230 1,479 SH   SOLE NONE 0 0 1,479
ISHARES TR S&P MC 400VL ETF 464287705 1,917 12,023 SH   SOLE NONE 0 0 12,023
ISHARES TR U.S. REAL ES ETF 464287739 4,328 49,579 SH   SOLE NONE 0 0 49,579
ISHARES TR U.S. ENERGY ETF 464287796 380 11,058 SH   SOLE NONE 0 0 11,058
ISHARES TR CORE S&P SCP ETF 464287804 8,972 114,619 SH   SOLE NONE 0 0 114,619
ISHARES TR SP SMCP600VL ETF 464287879 1,051 7,073 SH   SOLE NONE 0 0 7,073
ISHARES TR S&P SML 600 GWT 464287887 3,092 16,948 SH   SOLE NONE 0 0 16,948
ISHARES TR SHRT NAT MUN ETF 464288158 774 7,269 SH   SOLE NONE 0 0 7,269
ISHARES TR MSCI ACWI EX US 464288240 348 7,450 SH   SOLE NONE 0 0 7,450
ISHARES TR EAFE SML CP ETF 464288273 3,965 69,083 SH   SOLE NONE 0 0 69,083
ISHARES TR NEW YORK MUN ETF 464288323 221 3,906 SH   SOLE NONE 0 0 3,906
ISHARES TR INTL SEL DIV ETF 464288448 294 9,577 SH   SOLE NONE 0 0 9,577
ISHARES TR IBOXX HI YD ETF 464288513 340 3,906 SH   SOLE NONE 0 0 3,906
ISHARES TR PFD AND INCM SEC 464288687 885 24,016 SH   SOLE NONE 0 0 24,016
ISHARES TR IBONDS SEP19 ETF 46429B564 611 24,033 SH   SOLE NONE 0 0 24,033
ISHARES TR FLTG RATE NT ETF 46429B655 1,360 26,719 SH   SOLE NONE 0 0 26,719
ISHARES TR MIN VOL EAFE ETF 46429B689 389 5,366 SH   SOLE NONE 0 0 5,366
ISHARES TR CORE MSCI TOTAL 46432F834 1,920 32,742 SH   SOLE NONE 0 0 32,742
ISHARES TR CORE MSCI EAFE 46432F842 9,064 147,634 SH   SOLE NONE 0 0 147,634
ISHARES TR CORE 1 5 YR USD 46432F859 1,882 37,330 SH   SOLE NONE 0 0 37,330
ISHARES TR IBONDS SEP2020 46434V571 903 35,367 SH   SOLE NONE 0 0 35,367
ISHARES TR CORE DIV GRWTH 46434V621 947 24,809 SH   SOLE NONE 0 0 24,809
ISHARES TR IBONDS DEC20 ETF 46434VAQ3 2,502 98,760 SH   SOLE NONE 0 0 98,760
ISHARES TR IBONDS DEC19 ETF 46434VAU4 1,705 68,560 SH   SOLE NONE 0 0 68,560
ISHARES TR IBONDS DEC23 ETF 46434VAX8 546 21,511 SH   SOLE NONE 0 0 21,511
ISHARES TR IBONDS DEC22 ETF 46434VBA7 2,293 90,897 SH   SOLE NONE 0 0 90,897
ISHARES TR IBONDS DEC21 ETF 46434VBK5 3,590 144,042 SH   SOLE NONE 0 0 144,042
ISHARES TR IBONDS DEC2023 46435G318 709 27,596 SH   SOLE NONE 0 0 27,596
ISHARES TR IBONDS DEC2022 46435G755 867 33,218 SH   SOLE NONE 0 0 33,218
ISHARES TR IBONDS DEC2021 46435G789 1,061 41,184 SH   SOLE NONE 0 0 41,184
JOHNSON &JOHNSON COM 478160104 243 1,747 SH   SOLE NONE 0 0 1,747
JPMORGAN CHASE &CO COM 46625H100 44,739 400,177 SH   SOLE NONE 0 0 400,177
MFA FINL INC COM 55272X102 298 41,532 SH   SOLE NONE 0 0 41,532
MICROSOFT CORP COM 594918104 338 2,524 SH   SOLE NONE 0 0 2,524
PFIZER INC COM 717081103 215 4,970 SH   SOLE NONE 0 0 4,970
PROCTER AND GAMBLE CO COM 742718109 439 4,004 SH   SOLE NONE 0 0 4,004
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,208 7,538 SH   SOLE NONE 0 0 7,538
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 1,912 33,380 SH   SOLE NONE 0 0 33,380
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 386 4,422 SH   SOLE NONE 0 0 4,422
VANGUARD WORLD FDS UTILITIES ETF 92204A876 1,331 10,018 SH   SOLE NONE 0 0 10,018