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
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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 EXCHANGE-TRADED FD T S&P500 LOW VOL 46138E354 7,840 167,098 SH   SOLE   0 0 167,098
ISHARES TR CORE MSCI EAFE 46432F842 11,154 223,575 SH   SOLE   0 0 223,575
ISHARES INC CORE MSCI EMKT 46434G103 2,583 63,825 SH   SOLE   0 0 63,825
ISHARES TR CORE S&P500 ETF 464287200 30,033 116,225 SH   SOLE   0 0 116,225
ISHARES TR CORE S&P MCP ETF 464287507 9,351 65,001 SH   SOLE   0 0 65,001
ISHARES TR CORE S&P SCP ETF 464287804 221 3,933 SH   SOLE   0 0 3,933
ISHARES TR CORE US AGGBD ET 464287226 7,172 62,169 SH   SOLE   0 0 62,169
ISHARES TR MSCI MIN VOL ETF 46429B697 30,755 569,437 SH   SOLE   0 0 569,437
ISHARES TR IBOXX HI YD ETF 464288513 896 11,623 SH   SOLE   0 0 11,623
ISHARES TR JPMORGAN USD EMG 464288281 1,141 11,800 SH   SOLE   0 0 11,800
ISHARES TR MIN VOL EAFE ETF 46429B689 3,447 55,546 SH   SOLE   0 0 55,546
ISHARES TR S&P SML 600 GWT 464287887 3,877 28,123 SH   SOLE   0 0 28,123
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 43,176 876,661 SH   SOLE   0 0 876,661
LEGG MASON ETF INVT TR L VOL H DIV ETF 52468L406 3,212 124,655 SH   SOLE   0 0 124,655
SPDR SER TR BLOOMBERG BRCLYS 78468R622 3,298 34,807 SH   SOLE   0 0 34,807
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 802 23,913 SH   SOLE   0 0 23,913
VANGUARD BD INDEX FDS INTERMED TERM 921937819 7,742 86,671 SH   SOLE   0 0 86,671
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 8,400 154,125 SH   SOLE   0 0 154,125
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 12,697 148,767 SH   SOLE   0 0 148,767
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,648 39,273 SH   SOLE   0 0 39,273
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,879 30,092 SH   SOLE   0 0 30,092