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
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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 INC MSCI EURZONE ETF 464286608 3,877 92,489 SH   SOLE 0 0 0 92,489
ISHARES TR CORE S&P MCP ETF 464287507 1,169 5,678 SH   SOLE 0 0 0 5,678
ISHARES TR CORE S&P SCP ETF 464287804 882 10,521 SH   SOLE 0 0 0 10,521
ISHARES TR S&P 500 VAL ETF 464287408 1,691 12,995 SH   SOLE 0 0 0 12,995
ISHARES TR S&P 500 GRWT ETF 464287309 1,313 6,783 SH   SOLE 0 0 0 6,783
INVESCO QQQ TR UNIT SER 1 46090E103 8,836 41,559 SH   SOLE 0 0 0 41,559
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 449 10,706 SH   SOLE 0 0 0 10,706
ISHARES TR BARCLAYS 7 10 YR 464287440 2,980 27,041 SH   SOLE 0 0 0 27,041
ISHARES TR IBOXX INV CP ETF 464287242 998 7,796 SH   SOLE 0 0 0 7,796
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 512 14,652 SH   SOLE 0 0 0 14,652
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,369 20,470 SH   SOLE 0 0 0 20,470
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,033 23,226 SH   SOLE 0 0 0 23,226
ISHARES TR SELECT DIVID ETF 464287168 2,974 28,144 SH   SOLE 0 0 0 28,144
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 490 5,277 SH   SOLE 0 0 0 5,277
ROYAL BK CDA MONTREAL QUE COM 780087102 403 5,087 SH   SOLE 0 0 0 5,087
WISDOMTREE TR JAPN HEDGE EQT 97717W851 2,779 51,666 SH   SOLE 0 0 0 51,666
ISHARES TR CORE S&P TTL STK 464287150 396 5,443 SH   SOLE 0 0 0 5,443
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 987 18,363 SH   SOLE 0 0 0 18,363
ISHARES TR IBOXX HI YD ETF 464288513 384 4,370 SH   SOLE 0 0 0 4,370
ISHARES TR SH TR CRPORT ETF 464288646 334 6,234 SH   SOLE 0 0 0 6,234
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 205 2,548 SH   SOLE 0 0 0 2,548
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 3,567 138,417 SH   SOLE 0 0 0 138,417
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 838 19,022 SH   SOLE 0 0 0 19,022
INVESCO EXCHNG TRADED FD TR MSCI GBL TIMBR 46138E545 317 10,971 SH   SOLE 0 0 0 10,971
ISHARES TR INTRM TR CRP ETF 464288638 2,929 50,524 SH   SOLE 0 0 0 50,524
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 9,509 303,310 SH   SOLE 0 0 0 303,310
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,870 63,404 SH   SOLE 0 0 0 63,404
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 7,507 80,803 SH   SOLE 0 0 0 80,803
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 12,783 212,620 SH   SOLE 0 0 0 212,620
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 305 4,632 SH   SOLE 0 0 0 4,632
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 541 8,898 SH   SOLE 0 0 0 8,898
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 259 4,869 SH   SOLE 0 0 0 4,869
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,939 217,006 SH   SOLE 0 0 0 217,006
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 830 26,928 SH   SOLE 0 0 0 26,928
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 459 13,500 SH   SOLE 0 0 0 13,500
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,206 23,890 SH   SOLE 0 0 0 23,890
PIMCO ETF TR INV GRD CRP BD 72201R817 2,927 26,619 SH   SOLE 0 0 0 26,619
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 467 7,900 SH   SOLE 0 0 0 7,900
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 729 12,125 SH   SOLE 0 0 0 12,125
SPDR SERIES TRUST BLOMBRG BRC EMRG 78464A391 1,449 51,905 SH   SOLE 0 0 0 51,905
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 705 13,201 SH   SOLE 0 0 0 13,201
FLEXSHARES TR MORNSTAR UPSTR 33939L407 696 20,759 SH   SOLE 0 0 0 20,759
ISHARES TR MSCI MIN VOL ETF 46429B697 2,498 38,084 SH   SOLE 0 0 0 38,084
ISHARES TR MIN VOL EAFE ETF 46429B689 643 8,629 SH   SOLE 0 0 0 8,629
SPDR SERIES TRUST BLOMBERG BRC INV 78468R200 379 12,328 SH   SOLE 0 0 0 12,328
SPDR SERIES TRUST BLOOMBERG SRT TR 78468R408 712 26,420 SH   SOLE 0 0 0 26,420
INVESCO EXCHNG TRADED FD TR S&P INTL LOW 46138E230 2,616 76,665 SH   SOLE 0 0 0 76,665
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,083 21,975 SH   SOLE 0 0 0 21,975
INVESCO EXCHNG TRADED FD TR S&P SMLCP LOW 46138G102 994 19,546 SH   SOLE 0 0 0 19,546
SPDR SERIES TRUST SSGA US LRG ETF 78468R804 6,801 59,556 SH   SOLE 0 0 0 59,556
WISDOMTREE TR US QTLY DIV GRT 97717X669 1,035 21,345 SH   SOLE 0 0 0 21,345
ISHARES TR USA QUALITY FCTR 46432F339 8,561 84,761 SH   SOLE 0 0 0 84,761
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 4,637 94,649 SH   SOLE 0 0 0 94,649
WISDOMTREE TR YIELD ENHANCD US 97717X511 9,234 176,720 SH   SOLE 0 0 0 176,720
FIRST TR EXCH TRADED FD III HORIZON DMST ETF 33739P889 350 12,571 SH   SOLE 0 0 0 12,571
DBX ETF TR XTRACK USD HIGH 233051432 5,147 102,174 SH   SOLE 0 0 0 102,174
GLOBAL X FDS US PFD ETF 37954Y657 285 11,385 SH   SOLE 0 0 0 11,385
JP MORGAN EXCHANGE TRADED FD BETBULD JAPAN 46641Q712 680 27,727 SH   SOLE 0 0 0 27,727