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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM 023135106 BBG001S5PQL7 378,044 2,900 SH   SOLE   2,900 0 0
APPLE INC COM 037833100 BBG001S5N8V8 4,440,879 22,895 SH   SOLE   22,895 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 BBG00FZ4KG74 5,955,097 134,822 SH   SOLE   134,822 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 BBG00B0SKXY1 981,267 11,240 SH   SOLE   11,240 0 0
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 3,124,264 60,629 SH   SOLE   60,629 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 9,594,300 21,530 SH   SOLE   21,530 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 6,888,154 70,323 SH   SOLE   70,323 0 0
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 2,597,134 22,598 SH   SOLE   22,598 0 0
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 7,518,466 79,067 SH   SOLE   79,067 0 0
ISHARES TR U.S. UTILITS ETF 464287697 BBG001SFGXG6 254,655 3,115 SH   SOLE   3,115 0 0
ISHARES TR US CONSM STAPLES 464287812 BBG001SF7V89 2,094,415 10,457 SH   SOLE   10,457 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 628,297 1,845 SH   SOLE   1,845 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 6,307,804 94,020 SH   SOLE   94,020 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 2,052,819 25,290 SH   SOLE   25,290 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 4,675,092 35,223 SH   SOLE   35,223 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 3,263,790 18,774 SH   SOLE   18,774 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 3,014,744 6,802 SH   SOLE   6,802 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 4,273,812 133,098 SH   SOLE   133,098 0 0
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 7,482,418 97,224 SH   SOLE   97,224 0 0
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 4,195,914 34,229 SH   SOLE   34,229 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 258,624 914 SH   SOLE   914 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 575,772 3,482 SH   SOLE   3,482 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 5,794,896 26,306 SH   SOLE   26,306 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 5,377,335 37,842 SH   SOLE   37,842 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 1,144,215 15,123 SH   SOLE   15,123 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 7,987,413 172,963 SH   SOLE   172,963 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 214,682 904 SH   SOLE   904 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303 BBG00L8YYQ05 2,539,010 66,658 SH   SOLE   66,658 0 0