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
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 262 3,910 SH   SOLE   0 0 3,910
ISHARES TR MSCI ACWI EX US 464288240 2,242 42,884 SH   SOLE   0 0 42,884
ISHARES TR JPMORGAN USD EMG 464288281 1,106 11,311 SH   SOLE   0 0 11,311
ISHARES TR IBOXX HI YD ETF 464288513 3,398 41,293 SH   SOLE   0 0 41,293
ISHARES TR RUS 1000 ETF 464287622 68,759 274,959 SH   SOLE   0 0 274,959
ISHARES TR RUSSELL 2000 ETF 464287655 5,570 27,137 SH   SOLE   0 0 27,137
ISHARES TR RUS MID CAP ETF 464287499 976 12,505 SH   SOLE   0 0 12,505
ISHARES TR RUS MDCP VAL ETF 464287473 3,115 26,034 SH   SOLE   0 0 26,034
ISHARES TR RUSSELL 3000 ETF 464287689 20,758 79,116 SH   SOLE   0 0 79,116
ISHARES TR NATIONAL MUN ETF 464288414 14,721 134,269 SH   SOLE   0 0 134,269
ISHARES TR SHRT NAT MUN ETF 464288158 1,185 11,325 SH   SOLE   0 0 11,325
ISHARES TR MSCI USA MIN VOL 46429B697 16,400 211,419 SH   SOLE   0 0 211,419
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 7,666 143,590 SH   SOLE   0 0 143,590
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,410 28,454 SH   SOLE   0 0 28,454
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,016 18,862 SH   SOLE   0 0 18,862
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 15,283 555,340 SH   SOLE   0 0 555,340
SPDR SER TR NUVEEN BLMBRG SH 78468R739 1,316 27,795 SH   SOLE   0 0 27,795
SPDR SER TR NUVEEN BLMBRG MU 78468R721 2,859 59,705 SH   SOLE   0 0 59,705
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,934 17,280 SH   SOLE   0 0 17,280
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 12,060 209,411 SH   SOLE   0 0 209,411
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,298 44,581 SH   SOLE   0 0 44,581
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 8,348 40,290 SH   SOLE   0 0 40,290
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 1,405 16,958 SH   SOLE   0 0 16,958