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

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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 EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 9,688 166,067 SH   SOLE   0 0 166,067
ISHARES TR CORE MSCI EAFE 46432F842 14,586 223,575 SH   SOLE   0 0 223,575
ISHARES INC CORE MSCI EMKT 46434G103 3,431 63,825 SH   SOLE   0 0 63,825
ISHARES TR CORE S&P500 ETF 464287200 37,569 116,225 SH   SOLE   0 0 116,225
ISHARES TR CORE S&P MCP ETF 464287507 13,379 65,001 SH   SOLE   0 0 65,001
ISHARES TR CORE S&P SCP ETF 464287804 330 3,933 SH   SOLE   0 0 3,933
ISHARES TR CORE US AGGBD ET 464287226 6,986 62,169 SH   SOLE   0 0 62,169
ISHARES TR MSCI MIN VOL ETF 46429B697 37,279 568,275 SH   SOLE   0 0 568,275
ISHARES TR IBOXX HI YD ETF 464288513 1,020 11,596 SH   SOLE   0 0 11,596
ISHARES TR JPMORGAN USD EMG 464288281 1,352 11,800 SH   SOLE   0 0 11,800
ISHARES TR MIN VOL EAFE ETF 46429B689 4,241 56,900 SH   SOLE   0 0 56,900
ISHARES TR S&P SML 600 GWT 464287887 5,436 28,123 SH   SOLE   0 0 28,123
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 44,267 892,478 SH   SOLE   0 0 892,478
LEGG MASON ETF INVESTMENT TR L VOL H DIV ETF 52468L406 4,218 123,854 SH   SOLE   0 0 123,854
SPDR SERIES TRUST BLOOMBERG BRCLYS 78468R622 3,778 34,489 SH   SOLE   0 0 34,489
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,062 23,871 SH   SOLE   0 0 23,871
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 6,147 70,477 SH   SOLE   0 0 70,477
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 8,195 154,125 SH   SOLE   0 0 154,125
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 10,253 122,264 SH   SOLE   0 0 122,264
VANGUARD STAR FD VG TL INTL STK F 921909768 2,181 39,172 SH   SOLE   0 0 39,172
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,924 30,092 SH   SOLE   0 0 30,092