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
Estimated average burden
hours per response: 23.8
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
SPDR Floating Rate Bond COM 78468R200 17,503 569,576 SH   SOLE 148,089 0 421,487
iBonds Dec 2020 Corp COM 46434VAQ3 9,560 377,254 SH   SOLE 52,056 0 325,198
iBonds Dec 2021 Corp COM 46434VBK5 8,981 360,233 SH   SOLE 50,437 0 309,796
iBonds Dec 2022 Corp COM 46434VBA7 7,300 289,350 SH   SOLE 39,972 0 249,378
iBonds Dec 2019 Corp COM 46434VAU4 7,183 288,840 SH   SOLE 21,863 0 266,977
iShares MSCI USA Min Vol COM 46429B697 13,815 223,796 SH   SOLE 58,027 0 165,769
iShares Floating Rate Bond COM 46429B655 6,743 132,397 SH   SOLE 35,509 0 96,888
Invesco S&P 500 Quality COM 46137V241 3,682 111,158 SH   SOLE 30,710 0 80,448
iShares MSCI USA Quality COM 46432F339 9,821 107,364 SH   SOLE 29,252 0 78,112
Invesco S&P 500 Momentum COM 46138E339 4,281 105,936 SH   SOLE 29,633 0 76,303
iShares MSCI USA Momentum COM 46432F396 11,373 95,890 SH   SOLE 26,384 0 69,506
Invesco FTSE RAFI US 1000 COM 46137V613 10,534 90,313 SH   SOLE 24,720 0 65,593
iShares 1-3 Year Treasury COM 464287457 6,319 74,537 SH   SOLE 9,720 0 64,817
iBonds Mar 2020 Corp COM 46432FBC0 1,374 52,612 SH   SOLE 17,460 0 35,152
iShares MSCI USA Value COM 46432F388 3,883 47,820 SH   SOLE 14,196 0 33,624
Vanguard FTSE All-World ex-US COM 922042775 2,325 45,601 SH   SOLE 9,925 0 35,676
iShares MSCI Min Vol Global COM 464286525 3,995 43,369 SH   SOLE 8,469 0 34,900
iShares MSCI EAFE Min Vol COM 46429B689 3,101 42,690 SH   SOLE 9,021 0 33,669
iShares Core MSCI Total Intl COM 46432F834 2,193 37,395 SH   SOLE 8,172 0 29,223
Voya Financial Inc. COM 929089100 2,061 37,268 SH   SOLE 11,387 0 25,881
Vanguard Mid-Cap Value COM 922908512 3,953 35,504 SH   SOLE 8,550 0 26,954
Southwest Airlines COM 844741108 1,763 34,716 SH   SOLE 10,674 0 24,042
Delta Air Lines COM 247361702 1,897 33,432 SH   SOLE 10,507 0 22,925
Alaska Air Group COM 011659109 1,897 29,683 SH   SOLE 9,365 0 20,318
iShares Core S&P Small-Cap COM 464287804 2,185 27,918 SH   SOLE 6,247 0 21,671
Citigroup COM 172967424 1,853 26,454 SH   SOLE 8,525 0 17,929
Vanguard Total Stock Market COM 922908769 3,292 21,931 SH   SOLE 6,360 0 15,571
Bandwidth Inc. COM 05988J103 1,636 21,806 SH   SOLE 0 0 21,806
Invesco FTSE RAFI US 1500 S/M COM 46137V597 2,714 21,254 SH   SOLE 4,104 0 17,150
Vanguard Value COM 922908744 2,302 20,751 SH   SOLE 5,231 0 15,520
Vanguard Mid-Cap COM 922908629 3,346 20,017 SH   SOLE 4,320 0 15,697
JP Morgan Chase & Co COM 46625H100 2,052 18,352 SH   SOLE 5,534 0 12,818
Invesco FTSE RAFI Developed ex US COM 73936T789 590 14,517 SH   SOLE 840 0 13,677
iShares MSCI Multifactor US Small COM 46434V290 571 14,164 SH   SOLE 852 0 13,312
SPDR SSGA US Large Cap Low Vol COM 78468R804 1,008 9,358 SH   SOLE 4,049 0 5,309
Apple Inc. COM 037833100 1,844 9,318 SH   SOLE 2,976 0 6,342
WisdomTree U.S. Multifactor COM 97717Y857 274 9,105 SH   SOLE 0 0 9,105
Berkshire Hathaway Cl B COM 084670702 1,894 8,886 SH   SOLE 2,700 0 6,186
iShares MSCI International Quality COM 46434V456 247 8,169 SH   SOLE 497 0 7,672
CSX Corporation COM 126408103 453 5,848 SH   SOLE 0 0 5,848
Procter & Gamble COM 742718109 233 2,120 SH   SOLE 1,410 0 710
Alphabet Inc Cl C COM 02079K107 1,849 1,710 SH   SOLE 520 0 1,190
Amazon.com COM 023135106 1,880 993 SH   SOLE 312 0 681
Booking Holdings, Inc. COM 09857L108 1,770 944 SH   SOLE 293 0 651