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
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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
SPDR SERIES TRUST DJ REIT ETF 78464A607 1,226 13,147 SH   SOLE   7,931 0 5,216
CME GROUP INC COM CL A 12572Q105 307 1,801 SH   SOLE   1 0 1,800
GENERAL ELECTRIC CO COM 369604103 337 29,862 SH   SOLE   28,772 0 1,090
VANGUARD INDEX FDS LARGE CAP ETF 922908637 18,018 134,955 SH   SOLE   89,243 0 45,712
WISDOMTREE TR EMER MKT HIGH FD 97717W315 1,297 29,690 SH   SOLE   19,936 0 9,754
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 2,884 57,037 SH   SOLE   30,579 0 26,458
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 292 5,186 SH   SOLE   5,186 0 0
WISDOMTREE TR US SMALLCP ERNGS 97717W562 743 18,645 SH   SOLE   18,645 0 0
AT&T INC COM 00206R102 610 18,157 SH   SOLE   7,950 0 10,207
APPLE INC COM 037833100 226 999 SH   SOLE   0 0 999
WISDOMTREE TR US LARGECAP DIVD 97717W307 1,973 20,676 SH   SOLE   19,174 0 1,502
PRICE T ROWE GROUP INC COM 74144T108 786 7,200 SH   SOLE   7,200 0 0
PROCTER AND GAMBLE CO COM 742718109 758 9,108 SH   SOLE   8,806 0 302
JPMORGAN CHASE & CO COM 46625H100 611 5,412 SH   SOLE   999 0 4,413
EXXON MOBIL CORP COM 30231G102 500 5,883 SH   SOLE   3,368 0 2,515
FLEXSHARES TR MORNSTAR UPSTR 33939L407 15,993 472,601 SH   SOLE   253,209 0 219,392
ISHARES TR NORTH AMERN NAT 464287374 4,821 134,488 SH   SOLE   98,104 0 36,384
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 36,260 449,426 SH   SOLE   220,689 0 228,737
ISHARES TR IBOXX INV CP ETF 464287242 349 3,035 SH   SOLE   3,035 0 0
WISDOMTREE TR US SMALLCAP DIVD 97717W604 309 10,393 SH   SOLE   0 0 10,393
KENNAMETAL INC COM 489170100 261 6,000 SH   SOLE   6,000 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 38,648 237,718 SH   SOLE   137,245 0 100,473
DOWDUPONT INC COM 26078J100 752 11,700 SH   SOLE   11,700 0 0
INVESCO ACTIVELY MANAGD ETF OPTIMUM YIELD 46090F100 18,081 963,274 SH   SOLE   447,620 0 515,654
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 3,370 181,847 SH   SOLE   82,173 0 99,674
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,855 79,699 SH   SOLE   32,033 0 47,666
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 440 6,186 SH   SOLE   6,186 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 503 4,489 SH   SOLE   4,489 0 0
3M CO COM 88579Y101 379 1,801 SH   SOLE   1,600 0 201
ISHARES TR CORE S&P MCP ETF 464287507 2,381 11,827 SH   SOLE   11,754 0 73
WISDOMTREE TR INTL EQUITY FD 97717W703 4,277 80,500 SH   SOLE   64,125 0 16,375
ISHARES TR RUSSELL 2000 ETF 464287655 11,933 70,798 SH   SOLE   55,422 0 15,376
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 8,692 200,880 SH   SOLE   124,925 0 75,955
PHILLIPS 66 COM 718546104 267 2,368 SH   SOLE   2,368 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,483 109,335 SH   SOLE   75,066 0 34,269
ISHARES TR MSCI EAFE ETF 464287465 1,592 23,416 SH   SOLE   14,428 0 8,988
ISHARES TR CORE S&P500 ETF 464287200 36,394 124,326 SH   SOLE   71,084 0 53,241
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 2,074 26,354 SH   SOLE   10,274 0 16,080
CONOCOPHILLIPS COM 20825C104 306 3,959 SH   SOLE   3,959 0 0
AIR PRODS & CHEMS INC COM 009158106 334 2,000 SH   SOLE   2,000 0 0
JOHNSON & JOHNSON COM 478160104 1,040 7,525 SH   SOLE   6,350 0 1,175