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
SPDR SERIES TRUST PORTFOLI S&P 1500 COMP STK ETF Large Blend 78464A805 19,371 365,694 SH   SOLE   0 0 365,694
iSHARES TRUST CRE U S REIT ETF Real Estate 464288521 13,072 224,072 SH   SOLE   0 0 224,072
SPDR INDEX SHARES FUNDS PORTFO LIO DEVLPD ETF Foreign Large Blend 78463X889 10,493 285,219 SH   SOLE   0 0 285,219
SPDR INDEX SHARES FUNDS PORTFO LIO EMG MK ETF Diversified Emerging Mkts 78463X509 7,235 159,007 SH   SOLE   0 0 159,007
Schwab US Broad Market ETF Large Blend 808524102 7,058 67,688 SH   SOLE   0 0 67,688
Fidelity Quality Factor ETF Large Blend 316092790 6,040 122,268 SH   SOLE   0 0 122,268
SPDR SERIES TRUST PORTFLI TIPS ETF Inflation-Protected Bond 78464A656 5,885 188,972 SH   SOLE   0 0 188,972
iSHARES TR CORE MSCI TOTAL Foreign Large Blend 46432F834 5,709 77,879 SH   SOLE   0 0 77,879
iSHARES CORE MSCI EMERGING ETF Diversified Emerging Mkts 46434G103 4,045 60,379 SH   SOLE   0 0 60,379
ETF SER SOLUTIONS CLEARSHS ULTRA Security 26922A453 4,029 40,251 SH   SOLE   0 0 40,251
Schwab US REIT ETF Real Estate 808524847 2,934 64,079 SH   SOLE   0 0 64,079
iSHARES TIPS BD ETF Inflation-Protected Bond 464287176 2,649 20,693 SH   SOLE   0 0 20,693
Schwab International Equity ETF Foreign Large Blend 808524805 2,213 56,089 SH   SOLE   0 0 56,089
iSHARES CORE S&P TOTAL US STOCKMARKET ETF Large Blend 464287150 1,934 19,586 SH   SOLE   0 0 19,586
iSHARES TRUST CORE INTL AGGR ETF Intl Bond 46435G672 1,863 33,806 SH   SOLE   0 0 33,806
Schwab US TIPS ETF Inflation-Protected Bond 808524870 1,474 23,580 SH   SOLE   0 0 23,580
iSHARES TRUST US TREAS BD ETF Intermediate Government 46429B267 1,315 49,423 SH   SOLE   0 0 49,423
SCHWAB SHORT TERM US TREASURY Short Government 808524862 1,285 25,089 SH   SOLE   0 0 25,089
Schwab Intermediate Term US Trs ETF Intermediate Government 808524854 1,168 20,531 SH   SOLE   0 0 20,531
Schwab Emerging Markets Equity ETF Diversified Emerging Mkts 808524706 1,142 34,728 SH   SOLE   0 0 34,728
SPDR Blmbg Barclays Intl Trs Bd ETF Intl Bond 78464A516 873 29,748 SH   SOLE   0 0 29,748
SPDR SERIES TRUST PORTFOLIO LN TSR ETF Long Government 78464A664 602 14,569 SH   SOLE   0 0 14,569
Vanguard Total Stock Market Large Blend 922908769 522 2,344 SH   SOLE   0 0 2,344
iShares Core US Aggregate Bond Intermediate Bond 464287226 515 4,466 SH   SOLE   0 0 4,466
iShares 0-5 Year TIPS Bond ETF Inflation-Protected Bond 46429B747 484 4,553 SH   SOLE   0 0 4,553
SPDR Blmbg Barclays 1 3 Mth TBill ETF Ultrashort Bond 78468R663 433 4,739 SH   SOLE   0 0 4,739
SPDR Portfolio S&P 400 Mid Cap Mid-Cap Blend 78464A847 398 8,420 SH   SOLE   0 0 8,420
SPDR Portfolio SmallCap Small Blend 78468R853 389 8,851 SH   SOLE   0 0 8,851
iShares Core S&P 500 Large Blend 464287200 359 836 SH   SOLE   0 0 836
iShares 1 3 Year Treasury Bond Short Government 464287457 264 3,068 SH   SOLE   0 0 3,068
3M Company Large Core 88579Y101 385 1,936 SH   SOLE   0 0 1,936
Accenture PLC Large Core G1151C101 501 1,701 SH   SOLE   0 0 1,701
Adobe Inc Large Core 00724F101 331 565 SH   SOLE   0 0 565
Agilent Technologies Inc Large Core 00846U101 284 1,921 SH   SOLE   0 0 1,921
Alphabet Inc Class A Large Core 02079K305 903 370 SH   SOLE   0 0 370
Alphabet Inc Class C Large Core 02079K107 581 232 SH   SOLE   0 0 232
Amazon com Inc Large Core 023135106 292 85 SH   SOLE   0 0 85
American Express Co Large Value 025816109 379 2,293 SH   SOLE   0 0 2,293
Apple Inc Large Core 037833100 1,420 10,368 SH   SOLE   0 0 10,368
Applied Materials Inc Large Growth 038222105 280 1,969 SH   SOLE   0 0 1,969
AT&T Inc Large Core 00206R102 392 13,617 SH   SOLE   0 0 13,617
Berkshire Hathaway Inc Class B Large Value 084670702 249 897 SH   SOLE   0 0 897
BlackRock Inc Large Core 09247X101 441 504 SH   SOLE   0 0 504
Caterpillar Inc Large Core 149123101 203 932 SH   SOLE   0 0 932
Cisco Systems Inc Large Core 17275R102 387 7,308 SH   SOLE   0 0 7,308
Coca Cola Co Large Core 191216100 297 5,484 SH   SOLE   0 0 5,484
Comcast Corp A Large Core 20030N101 262 4,596 SH   SOLE   0 0 4,596
ConocoPhillips Large Value 20825C104 209 3,437 SH   SOLE   0 0 3,437
Cummins Inc Large Core 231021106 259 1,061 SH   SOLE   0 0 1,061
Ecolab Inc Large Core 278865100 209 1,013 SH   SOLE   0 0 1,013
Expeditors International Wash Large Core 302130109 303 2,391 SH   SOLE   0 0 2,391
Facebook Inc Large Core 30303M102 737 2,120 SH   SOLE   0 0 2,120
First Bancorp Large Core 318910106 247 6,034 SH   SOLE   0 0 6,034
Ford Motor Company Large Value 345370860 179 12,070 SH   SOLE   0 0 12,070
Hewlett Packard Enterprise Co Large Value 42824C109 155 10,627 SH   SOLE   0 0 10,627
Home Depot Inc Large Core 437076102 624 1,958 SH   SOLE   0 0 1,958
International Business Machines Large Value 459200101 267 1,818 SH   SOLE   0 0 1,818
Intuit Inc Large Growth 461202103 216 441 SH   SOLE   0 0 441
Johnson Controls International Large Core G51502105 315 4,596 SH   SOLE   0 0 4,596
Leidos Holdings Inc Large Core 525327102 227 2,250 SH   SOLE   0 0 2,250
Lowes Companies Inc Large Core 548661107 204 1,052 SH   SOLE   0 0 1,052
Marsh & Mclennan Cos Inc Large Core 571748102 317 2,253 SH   SOLE   0 0 2,253
Mastercard Inc Large Core 57636Q104 328 899 SH   SOLE   0 0 899
Microsoft Corp Large Core 594918104 1,911 7,053 SH   SOLE   0 0 7,053
NVIDIA Corp Large Core 67066G104 523 653 SH   SOLE   0 0 653
PayPal Holdings Inc Large Core 70450Y103 333 1,142 SH   SOLE   0 0 1,142
Pepsico Incorporated Large Core 713448108 386 2,608 SH   SOLE   0 0 2,608
Procter and Gamble Co Large Core 742718109 1,111 8,234 SH   SOLE   0 0 8,234
Salesforce Com Inc Large Core 79466L302 267 1,092 SH   SOLE   0 0 1,092
Tesla Inc Large Core 88160R101 362 532 SH   SOLE   0 0 532
Texas Instruments Inc Large Core 882508104 323 1,680 SH   SOLE   0 0 1,680
Thermo Fisher Scientific Inc Large Core 883556102 858 1,701 SH   SOLE   0 0 1,701
Visa Inc Large Core 92826C839 358 1,529 SH   SOLE   0 0 1,529
Walt Disney Co Large Core 254687106 275 1,564 SH   SOLE   0 0 1,564
Xylem Inc Large Core 98419M100 208 1,738 SH   SOLE   0 0 1,738