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 342 5,523 SH   SOLE   0 0 5,523
ISHARES TR MSCI ACWI EX US 464288240 2,154 47,875 SH   SOLE   0 0 47,875
ISHARES TR IBOXX HI YD ETF 464288513 2,361 32,081 SH   SOLE   0 0 32,081
ISHARES TR RUS 1000 ETF 464287622 48,305 232,505 SH   SOLE   0 0 232,505
ISHARES TR RUSSELL 2000 ETF 464287655 4,165 24,594 SH   SOLE   0 0 24,594
ISHARES TR RUS MID CAP ETF 464287499 683 10,570 SH   SOLE   0 0 10,570
ISHARES TR RUS MDCP VAL ETF 464287473 2,181 21,475 SH   SOLE   0 0 21,475
ISHARES TR NATIONAL MUN ETF 464288414 12,804 120,384 SH   SOLE   0 0 120,384
ISHARES TR SHRT NAT MUN ETF 464288158 1,756 16,779 SH   SOLE   0 0 16,779
ISHARES TR MSCI USA MIN VOL 46429B697 12,786 182,111 SH   SOLE   0 0 182,111
ISHARES TR RUSSELL 3000 ETF 464287689 16,000 73,600 SH   SOLE   0 0 73,600
ISHARES TR JPMORGAN USD EMG 464288281 631 7,394 SH   SOLE   0 0 7,394
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 2,079 41,895 SH   SOLE   0 0 41,895
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,352 27,477 SH   SOLE   0 0 27,477
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,763 107,781 SH   SOLE   0 0 107,781
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 329 7,369 SH   SOLE   0 0 7,369
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 21,115 887,917 SH   SOLE   0 0 887,917
SPDR SER TR NUVEEN BLMBRG SH 78468R739 2,017 42,687 SH   SOLE   0 0 42,687
SPDR SER TR NUVEEN BLMBRG MU 78468R721 2,542 55,429 SH   SOLE   0 0 55,429
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,836 20,337 SH   SOLE   0 0 20,337
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 11,073 221,635 SH   SOLE   0 0 221,635
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,908 58,253 SH   SOLE   0 0 58,253
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 1,106 16,178 SH   SOLE   0 0 16,178
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 6,666 38,794 SH   SOLE   0 0 38,794
VANGUARD STAR FDS VG TL INTL STK F 921909768 7,711 149,405 SH   SOLE   0 0 149,405