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
ISHARES TR CORE S&P MCP ETF 464287507 3,489 17,960 SH   SOLE NONE 0 0 17,960
ISHARES TR CORE S&P SCP ETF 464287804 5,260 67,197 SH   SOLE NONE 0 0 67,197
ISHARES TR S&P 500 VAL ETF 464287408 8,366 71,768 SH   SOLE NONE 0 0 71,768
ISHARES TR CORE S&P500 ETF 464287200 23,789 80,708 SH   SOLE NONE 0 0 80,708
ISHARES TR S&P 500 GRWT ETF 464287309 11,069 61,757 SH   SOLE NONE 0 0 61,757
ISHARES TR RUSSELL 3000 ETF 464287689 11,687 67,807 SH   SOLE NONE 0 0 67,807
PFIZER INC COM 717081103 275 6,342 SH   SOLE NONE 0 0 6,342
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 454 11,723 SH   SOLE NONE 0 0 11,723
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 4,347 119,235 SH   SOLE NONE 0 0 119,235
PROCTER AND GAMBLE CO COM 742718109 20,225 184,447 SH   SOLE NONE 0 0 184,447
ISHARES TR IBOXX INV CP ETF 464287242 4,755 38,233 SH   SOLE NONE 0 0 38,233
APPLE INC COM 037833100 390 1,970 SH   SOLE NONE 0 0 1,970
ISHARES TR CORE US AGGBD ET 464287226 13,705 123,082 SH   SOLE NONE 0 0 123,082
ISHARES TR CORE S&P TTL STK 464287150 5,877 88,210 SH   SOLE NONE 0 0 88,210
ISHARES TR SHORT TREAS BD 464288679 4,778 43,180 SH   SOLE NONE 0 0 43,180
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 762 21,300 SH   SOLE NONE 0 0 21,300
ISHARES TR MBS ETF 464288588 2,498 23,212 SH   SOLE NONE 0 0 23,212
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 527 6,034 SH   SOLE NONE 0 0 6,034
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,140 38,536 SH   SOLE NONE 0 0 38,536
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 852 29,212 SH   SOLE NONE 0 0 29,212
FIRST TR NASDAQ100 TECH INDE SHS 337345102 512 5,992 SH   SOLE NONE 0 0 5,992
PEOPLES FINL SVCS CORP COM 711040105 1,310 29,113 SH   SOLE NONE 0 0 29,113
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 632 18,081 SH   SOLE NONE 0 0 18,081
SPDR SERIES TRUST BLOMBRG BRC MRTG 78464A383 479 18,317 SH   SOLE NONE 0 0 18,317
ISHARES TR MIN VOL USA ETF 46429B697 4,185 67,803 SH   SOLE NONE 0 0 67,803
ISHARES TR US TREAS BD ETF 46429B267 21,180 820,460 SH   SOLE NONE 0 0 820,460
ISHARES INC CORE MSCI EMKT 46434G103 6,110 118,770 SH   SOLE NONE 0 0 118,770
ISHARES TR CORE MSCI TOTAL 46432F834 4,918 83,866 SH   SOLE NONE 0 0 83,866
ISHARES TR CORE MSCI EAFE 46432F842 10,054 163,746 SH   SOLE NONE 0 0 163,746
SPDR SERIES TRUST SSGA US LRG ETF 78468R804 537 4,983 SH   SOLE NONE 0 0 4,983
ISHARES US ETF TR SHT MAT BD ETF 46431W507 744 14,774 SH   SOLE NONE 0 0 14,774
FIDELITY MSCI INFO TECH I 316092808 4,628 74,304 SH   SOLE NONE 0 0 74,304
ISHARES TR ULTR SH TRM BD 46434V878 1,889 37,492 SH   SOLE NONE 0 0 37,492
ISHARES TR CORE TOTAL USD 46434V613 3,375 65,308 SH   SOLE NONE 0 0 65,308
ISHARES TR MULTIFACTOR INTL 46434V274 2,587 98,533 SH   SOLE NONE 0 0 98,533
ISHARES TR MULTIFACTOR USA 46434V282 3,226 101,573 SH   SOLE NONE 0 0 101,573
ISHARES INC MLT FCTR EMG MKT 46434G889 791 18,775 SH   SOLE NONE 0 0 18,775