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
ABBOTT LABS COM 002824100 300 2,500 SH   SOLE   0 0 2,500
ABBVIE INC COM 00287Y109 271 2,500 SH   SOLE   0 0 2,500
AMAZON COM INC COM 023135106 235 76 SH   SOLE   0 0 76
APPLE INC COM 037833100 816 6,681 SH   SOLE   0 0 6,681
BK OF AMERICA CORP COM 060505104 372 9,605 SH   SOLE   0 0 9,605
BRISTOL-MYERS SQUIBB CO COM 110122108 368 5,832 SH   SOLE   0 0 5,832
CORMEDIX INC COM 21900C308 142 14,259 SH   SOLE   0 0 14,259
DBX ETF TR XTRACK USD HIGH 233051432 4,915 98,316 SH   SOLE   0 0 98,316
FACEBOOK INC CL A 30303M102 225 763 SH   SOLE   0 0 763
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 560 25,295 SH   SOLE   0 0 25,295
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 205 7,651 SH   SOLE   0 0 7,651
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 4,472 31,569 SH   SOLE   0 0 31,569
ISHARES INC MSCI GBL MIN VOL 464286525 1,862 18,870 SH   SOLE   0 0 18,870
ISHARES TR MSCI USA MIN VOL 46429B697 1,013 14,637 SH   SOLE   0 0 14,637
ISHARES TR JPMORGAN USD EMG 464288281 2,382 21,875 SH   SOLE   0 0 21,875
JOHNSON & JOHNSON COM 478160104 555 3,375 SH   SOLE   0 0 3,375
LINCOLN ELEC HLDGS INC COM 533900106 221 1,800 SH   SOLE   0 0 1,800
MCDONALDS CORP COM 580135101 298 1,330 SH   SOLE   0 0 1,330
MICROSOFT CORP COM 594918104 531 2,253 SH   SOLE   0 0 2,253
MOODYS CORP COM 615369105 571 1,912 SH   SOLE   0 0 1,912
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 323 3,167 SH   SOLE   0 0 3,167
QUALCOMM INC COM 747525103 311 2,346 SH   SOLE   0 0 2,346
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 37,279 388,198 SH   SOLE   0 0 388,198
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 8,869 88,987 SH   SOLE   0 0 88,987
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,973 38,449 SH   SOLE   0 0 38,449
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 20,489 544,639 SH   SOLE   0 0 544,639
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 5,400 123,348 SH   SOLE   0 0 123,348
SPDR SER TR SPDR BLOOMBERG 78468R663 631 6,899 SH   SOLE   0 0 6,899
SPDR SER TR PRTFLO S&P500 GW 78464A409 19,409 344,134 SH   SOLE   0 0 344,134
SPDR SER TR NUVEEN BBG BRCLY 78464A284 6,089 102,623 SH   SOLE   0 0 102,623
SPDR SER TR NUVEEN BLMBRG SR 78468R739 2,590 52,253 SH   SOLE   0 0 52,253
SPDR SER TR BLOMBRG BRC EMRG 78464A391 1,286 49,431 SH   SOLE   0 0 49,431
SPDR SER TR SSGA US LRG ETF 78468R804 1,759 14,032 SH   SOLE   0 0 14,032
SPDR SER TR PRTFLO S&P500 VL 78464A508 18,913 499,034 SH   SOLE   0 0 499,034
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 2,330 75,933 SH   SOLE   0 0 75,933
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 5,850 33,600 SH   SOLE   0 0 33,600
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 16,728 197,451 SH   SOLE   0 0 197,451
VANGUARD INDEX FDS VALUE ETF 922908744 238 1,810 SH   SOLE   0 0 1,810
VANGUARD INDEX FDS GROWTH ETF 922908736 212 825 SH   SOLE   0 0 825
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,981 153,327 SH   SOLE   0 0 153,327
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,386 65,692 SH   SOLE   0 0 65,692
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 14,464 264,714 SH   SOLE   0 0 264,714
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 5,531 25,285 SH   SOLE   0 0 25,285
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 28,881 588,086 SH   SOLE   0 0 588,086
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 1,358 17,525 SH   SOLE   0 0 17,525
VICTORY PORTFOLIOS II VCSHS INTL VOLTY 92647N840 1,243 29,110 SH   SOLE   0 0 29,110