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
3M CO COM 88579Y101 303 2,217 SH   SOLE   0 0 2,217
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 238 1,222 SH   SOLE   0 0 1,222
ALPHABET INC CAP STK CL C 02079K107 388 334 SH   SOLE   0 0 334
AMAZON COM INC COM 023135106 320 164 SH   SOLE   0 0 164
APPLE INC COM 037833100 8,285 32,582 SH   SOLE   0 0 32,582
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,090 5,963 SH   SOLE   0 0 5,963
CBOE GLOBAL MARKETS INC COM 12503M108 1,767 19,800 SH   SOLE   0 0 19,800
COCA COLA CO COM 191216100 512 11,579 SH   SOLE   0 0 11,579
FACEBOOK INC CL A 30303M102 785 4,709 SH   SOLE   0 0 4,709
FISERV INC COM 337738108 1,093 11,502 SH   SOLE   0 0 11,502
GENERAL ELECTRIC CO COM 369604103 182 22,880 SH   SOLE   0 0 22,880
GENERAL MLS INC COM 370334104 6,072 115,067 SH   SOLE   0 0 115,067
HOME DEPOT INC COM 437076102 253 1,355 SH   SOLE   0 0 1,355
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 3,224 106,980 SH   SOLE   0 0 106,980
INTERNATIONAL BUSINESS MACHS COM 459200101 298 2,688 SH   SOLE   0 0 2,688
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB 46138J502 1,470 69,985 SH   SOLE   0 0 69,985
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 228 2,713 SH   SOLE   0 0 2,713
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 289 3,125 SH   SOLE   0 0 3,125
INVESCO EXCHANGE-TRADED FD T S&P500 LOW VOL 46138E354 1,931 41,155 SH   SOLE   0 0 41,155
ISHARES INC CORE MSCI EMKT 46434G103 2,293 56,656 SH   SOLE   0 0 56,656
ISHARES TR RUSSELL 3000 ETF 464287689 366 2,465 SH   SOLE   0 0 2,465
ISHARES TR MRNGSTR LG-CP VL 464288109 372 4,299 SH   SOLE   0 0 4,299
ISHARES TR CORE S&P TTL STK 464287150 446 7,804 SH   SOLE   0 0 7,804
ISHARES TR RUS MID CAP ETF 464287499 580 13,429 SH   SOLE   0 0 13,429
ISHARES TR CORE INTL AGGR 46435G672 821 15,003 SH   SOLE   0 0 15,003
ISHARES TR MSCI ACWI ETF 464288257 1,492 23,849 SH   SOLE   0 0 23,849
ISHARES TR MRNGSTR LG-CP GR 464287119 1,641 8,833 SH   SOLE   0 0 8,833
ISHARES TR GLOBAL REIT ETF 46434V647 1,733 90,500 SH   SOLE   0 0 90,500
ISHARES TR CORE S&P SCP ETF 464287804 2,124 37,852 SH   SOLE   0 0 37,852
ISHARES TR MRNGSTR LG-CP ET 464287127 2,127 14,510 SH   SOLE   0 0 14,510
ISHARES TR CORE US AGGBD ET 464287226 2,763 23,945 SH   SOLE   0 0 23,945
ISHARES TR EAFE SML CP ETF 464288273 4,164 92,883 SH   SOLE   0 0 92,883
ISHARES TR USA MOMENTUM FCT 46432F396 5,084 47,745 SH   SOLE   0 0 47,745
ISHARES TR CORE MSCI EAFE 46432F842 5,677 113,799 SH   SOLE   0 0 113,799
ISHARES TR CORE S&P MCP ETF 464287507 7,573 52,638 SH   SOLE   0 0 52,638
ISHARES TR CORE S&P500 ETF 464287200 10,727 41,512 SH   SOLE   0 0 41,512
ISHARES TR EDGE MSCI MINM 46435G433 12,852 496,966 SH   SOLE   0 0 496,966
ISHARES TR MSCI MIN VOL ETF 46429B697 14,129 261,601 SH   SOLE   0 0 261,601
J & J SNACK FOODS CORP COM 466032109 233 1,924 SH   SOLE   0 0 1,924
J P MORGAN EXCHANGE-TRADED F DIVERSIFIED ET 46641Q803 1,623 85,608 SH   SOLE   0 0 85,608
J P MORGAN EXCHANGE-TRADED F US AGGREGATE 46641Q613 32,568 1,206,215 SH   SOLE   0 0 1,206,215
JOHNSON & JOHNSON COM 478160104 468 3,569 SH   SOLE   0 0 3,569
MICROSOFT CORP COM 594918104 461 2,924 SH   SOLE   0 0 2,924
NETFLIX INC COM 64110L106 243 648 SH   SOLE   0 0 648
PALATIN TECHNOLOGIES INC COM PAR $ .01 696077403 6 15,000 SH   SOLE   0 0 15,000
PEOPLES UTD FINL INC COM 712704105 237 21,492 SH   SOLE   0 0 21,492
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 2,415 24,398 SH   SOLE   0 0 24,398
PIMCO ETF TR ACTIVE BD ETF 72201R775 3,797 35,759 SH   SOLE   0 0 35,759
QUALCOMM INC COM 747525103 269 3,977 SH   SOLE   0 0 3,977
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 287 13,631 SH   SOLE   0 0 13,631
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 470 19,999 SH   SOLE   0 0 19,999
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 539 26,042 SH   SOLE   0 0 26,042
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 938 17,286 SH   SOLE   0 0 17,286
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 950 18,449 SH   SOLE   0 0 18,449
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,432 57,689 SH   SOLE   0 0 57,689
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 2,544 123,737 SH   SOLE   0 0 123,737
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 10,071 389,756 SH   SOLE   0 0 389,756
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 15,250 252,363 SH   SOLE   0 0 252,363
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 290 1,325 SH   SOLE   0 0 1,325
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 244 10,206 SH   SOLE   0 0 10,206
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475 446 13,273 SH   SOLE   0 0 13,273
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 3,907 108,540 SH   SOLE   0 0 108,540
SPDR S&P 500 ETF TR TR UNIT 78462F103 354 1,372 SH   SOLE   0 0 1,372
SPDR SER TR BLOMBERG BRC INV 78468R200 332 11,308 SH   SOLE   0 0 11,308
SPDR SER TR PORTFOLIO S&P400 78464A847 1,527 60,271 SH   SOLE   0 0 60,271
SPDR SER TR S&P 600 SMCP VAL 78464A300 1,946 47,622 SH   SOLE   0 0 47,622
UNION PAC CORP COM 907818108 336 2,382 SH   SOLE   0 0 2,382
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 434 8,306 SH   SOLE   0 0 8,306
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4,276 76,010 SH   SOLE   0 0 76,010
VANGUARD INDEX FDS MID CAP ETF 922908629 1,027 7,802 SH   SOLE   0 0 7,802
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,509 21,605 SH   SOLE   0 0 21,605
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,890 14,664 SH   SOLE   0 0 14,664
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,486 21,531 SH   SOLE   0 0 21,531
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 645 8,246 SH   SOLE   0 0 8,246
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 908 27,074 SH   SOLE   0 0 27,074
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 360 4,556 SH   SOLE   0 0 4,556
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 392 4,498 SH   SOLE   0 0 4,498
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,720 81,576 SH   SOLE   0 0 81,576
VANGUARD WORLD FDS MATERIALS ETF 92204A801 251 2,611 SH   SOLE   0 0 2,611
VERIZON COMMUNICATIONS INC COM 92343V104 207 3,849 SH   SOLE   0 0 3,849
WISDOMTREE TR US MIDCAP FUND 97717W570 594 22,496 SH   SOLE   0 0 22,496
WISDOMTREE TR EM MKTS QTLY DIV 97717W323 818 42,524 SH   SOLE   0 0 42,524
WISDOMTREE TR EM EX ST-OWNED 97717X578 832 34,059 SH   SOLE   0 0 34,059
WISDOMTREE TR US QTLY DIV GRT 97717X669 5,513 141,694 SH   SOLE   0 0 141,694