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
ALPHATEC HOLDINGS INC COM NEW COM NEW 02081G201 318 67,757 SH   SOLE   0 0 67,757
ISHARES 0-5 YEAR TIPS BOND ETF 0-5 YR TIPS ETF 46429B747 1,165 11,379 SH   SOLE   0 0 11,379
ISHARES 1-3 YR CREDIT BOND ETF SH TR CRPORT ETF 464288646 605 11,064 SH   SOLE   0 0 11,064
ISHARES AGGREGATE BOND ETF CORE US AGGBD ET 464287226 45,093 381,465 SH   SOLE   0 0 381,465
ISHARES AMT-FREE MUNI BOND ETF NATIONAL MUN ETF 464288414 4,774 41,371 SH   SOLE   0 0 41,371
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF BROAD USD HIGH 46435U853 3,000 78,495 SH   SOLE   0 0 78,495
ISHARES CORE 1-5 YEAR USD BOND ETF CORE 1 5 YR USD 46432F859 9,628 187,054 SH   SOLE   0 0 187,054
ISHARES CORE INTERNATIONAL AGGREGATE BOND FUND CORE INTL AGGR 46435G672 16,659 299,199 SH   SOLE   0 0 299,199
ISHARES CORE MSCI EAFE CORE MSCI EAFE 46432F842 4,412 77,180 SH   SOLE   0 0 77,180
ISHARES CORE MSCI EMERGING MKTS CORE MSCI EMKT 46434G103 766 16,098 SH   SOLE   0 0 16,098
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF CORE MSCI TOTAL 46432F834 32,352 593,404 SH   SOLE   0 0 593,404
ISHARES CORE S&P MID CAP ETF CORE S&P MCP ETF 464287507 42,569 239,395 SH   SOLE   0 0 239,395
ISHARES CORE S&P U.S. VALUE ETF CORE S&P US VLU 464287663 966 18,501 SH   SOLE   0 0 18,501
ISHARES CORE TOTAL USD BOND MARKET ETF CORE TOTAL USD 46434V613 2,809 51,710 SH   SOLE   0 0 51,710
ISHARES CORE U.S. REIT ETF CRE U S REIT ETF 464288521 3,902 89,733 SH   SOLE   0 0 89,733
ISHARES EDGE MSCI MULTIFACTOR EMERGING MARKETS ETF MLT FCTR EMG MKT 46434G889 3,265 82,887 SH   SOLE   0 0 82,887
ISHARES EDGE MSCI MULTIFACTOR INTL ETF MULTIFACTOR INTL 46434V274 9,877 430,923 SH   SOLE   0 0 430,923
ISHARES EDGE MSCI MULTIFACTOR USA ETF MULTIFACTOR USA 46434V282 23,149 745,058 SH   SOLE   0 0 745,058
ISHARES EDGE MSCI MULTIFACTOR USA SMALL-CAP ETF MULTIFACTOR USA 46434V290 4,519 126,548 SH   SOLE   0 0 126,548
ISHARES EDGE U.S. FIXED INCOME BALANCED RISK ETF EDGE US FIXD INM 46435U796 1,838 18,122 SH   SOLE   0 0 18,122
ISHARES GOLD TRUST ETF ISHARES 464285105 657 38,693 SH   SOLE   0 0 38,693
ISHARES IBONDS DEC 2021 TERM MUNI BOND ETF GLOBAL REIT ETF 46434V647 2,859 110,229 SH   SOLE   0 0 26,005
ISHARES IBONDS DEC 2022 TERM MUNI BOND ETF IBONDS DEC2022 46435G755 2,446 92,593 SH   SOLE   0 0 92,593
ISHARES IBONDS DEC 2023 TERM MUNI BOND ETF IBONDS DEC2023 46435G318 550 20,947 SH   SOLE   0 0 20,947
ISHARES IBONDS SEP 2020 TERM MUNI BOND ETF IBONDS SEP2020 46434V571 3,829 150,229 SH   SOLE   0 0 150,229
ISHARES INTERMEDIATE CREDIT BOND ETF INTRM TR CRP ETF 464288638 1,064 17,618 SH   SOLE   0 0 17,618
ISHARES LIQUIDITY INCOME ETF ULTR SH TRM BD 46434V878 1,334 26,377 SH   SOLE   0 0 26,377
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 6,581 108,115 SH   SOLE   0 0 108,115
ISHARES NORTH AMERICAN NATURAL RESOURCES NORTH AMERN NAT 464287374 377 17,397 SH   SOLE   0 0 17,397
ISHARES RUSSELL 1000 ETF RUS 1000 ETF 464287622 2,446 14,249 SH   SOLE   0 0 14,249
ISHARES RUSSELL 1000 VALUE ETF RUS 1000 VAL ETF 464287598 1,555 13,811 SH   SOLE   0 0 13,811
ISHARES RUSSELL MID-CAP ETF RUS MID CAP ETF 464287499 2,606 48,622 SH   SOLE   0 0 48,622
ISHARES S&P 500 INDEX CORE S&P500 ETF 464287200 57,127 184,466 SH   SOLE   0 0 184,466
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 33,229 307,079 SH   SOLE   0 0 307,079
ISHARES S&P MIDCAP 400 VALUE ETF S&P MC 400VL ETF 464287705 2,813 21,158 SH   SOLE   0 0 21,158
ISHARES S&P SMALL-CAP 600 VALUE ETF SP SMCP600VL ETF 464287879 13,974 116,096 SH   SOLE   0 0 116,096
ISHARES S&P SMALL-CAP FUND CORE S&P SCP ETF 464287804 9,317 136,429 SH   SOLE   0 0 136,429
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 9,158 74,458 SH   SOLE   0 0 74,458
ISHARES TR S&P 1500 INDEX FD CORE S&P TTL STK 464287150 1,757 25,297 SH   SOLE   0 0 25,297
JP MORGAN CHASE & CO COM 46625H100 1,342 14,271 SH   SOLE   0 0 14,271
LINCOLN NATIONAL CORP IND COM 534187109 808 21,966 SH   SOLE   0 0 21,966
OLD NATL BANCORP IND COM COM 680033107 339 24,660 SH   SOLE   0 0 24,660
SCHWAB ETFS- US SMALL-CAP ETF US SML CAP ETF 808524607 897 13,724 SH   SOLE   0 0 13,724
SCHWAB STRATEGIC TR US LRG CAP ETF US LRG CAP ETF 808524201 1,619 21,851 SH   SOLE   0 0 21,851
SCHWAB US AGGREGATE BOND ETF US AGGREGATE B 808524839 1,562 27,776 SH   SOLE   0 0 27,776
SPDR BARCLAYS CAP TIPS CAPITAL TIPS ETF BLOMBRG BRC TIPS 78464A656 2,313 76,741 SH   SOLE   0 0 76,741
SPDR DJ WILSHIRE REIT (ETF) DJ REIT ETF 78464A607 2,975 38,130 SH   SOLE   0 0 38,130
SPDR HIGH YIELD BOND ETF BLOOMBERG BRCLYS 78464A417 4,836 47,804 SH   SOLE   0 0 47,804
SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF PORTFOLIO INTRMD 78464A375 626 17,149 SH   SOLE   0 0 17,149
SPDR PORTFOLIO S&P 500 VALUE ETF PRTFLO S&P500 VL 78464A508 455 15,690 SH   SOLE   0 0 15,690
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF PORTFOLIO SHORT 78464A474 411 13,110 SH   SOLE   0 0 13,110
SPDR S&P GLOBAL NATURAL RESOURCES ETF GLB NAT RESRCE 78463X541 1,075 29,100 SH   SOLE   0 0 29,100
SPDR S&P WORLD EX-US ETF PORTFOLIO DEVLPD 78463X889 778 28,180 SH   SOLE   0 0 28,180
VANGUARD EXTENDED MARKET ETF EXTEND MKT ETF 922908652 1,507 12,731 SH   SOLE   0 0 12,731
VANGUARD FTSE ALL-WORLD EX US INDEX FUND ALLWRLD EX US 922042775 9,027 189,602 SH   SOLE   0 0 189,602
VANGUARD FTSE DEVELOPED MARKETS ETF FTSE DEV MKT ETF 921943858 1,333 34,377 SH   SOLE   0 0 34,377
VANGUARD FTSE EMERGING MARKETS ETF FTSE EMR MKT ETF 922042858 1,682 42,462 SH   SOLE   0 0 42,462
VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF GLB EX US ETF 922042676 492 10,548 SH   SOLE   0 0 10,548
VANGUARD INDEX FDS MID-CAP VALUE INDEX VIPER SHS ETF MCAP VL IDXVIP 922908512 1,786 18,664 SH   SOLE   0 0 18,664
VANGUARD INTERMEDIATE TERM CORP BOND FD ETF INT-TERM CORP 92206C870 15,196 159,719 SH   SOLE   0 0 159,719
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND INTERMED TERM 921937819 8,224 88,252 SH   SOLE   0 0 88,252
VANGUARD LARGE-CAP INDEX FUND LARGE CAP ETF 922908637 3,466 24,238 SH   SOLE   0 0 24,238
VANGUARD LONG-TERM BOND INDEX FUND LONG TERM BOND 921937793 1,257 11,255 SH   SOLE   0 0 11,255
VANGUARD MEGA CAP ETF MEGA CAP INDEX 921910873 5,459 49,876 SH   SOLE   0 0 49,876
VANGUARD MEGA CAP VALUE ETF MEGA CAP VAL ETF 921910840 4,981 68,030 SH   SOLE   0 0 68,030
VANGUARD MID-CAP INDEX FUND MID CAP ETF 922908629 19,179 117,012 SH   SOLE   0 0 117,012
VANGUARD REIT ETF REAL ESTATE ETF 922908553 17,991 229,099 SH   SOLE   0 0 229,099
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 12,410 43,784 SH   SOLE   0 0 43,784
VANGUARD S&P 500 VALUE ETF 500 VAL IDX FD 921932703 12,165 116,413 SH   SOLE   0 0 116,413
VANGUARD S&P ETF SMALL CAP 600 SMLLCP 600 IDX 921932828 1,259 10,064 SH   SOLE   0 0 10,064
VANGUARD S&P MID-CAP 400 ETF MIDCP 400 IDX 921932885 2,683 22,312 SH   SOLE   0 0 22,312
VANGUARD SHORT TERM BOND SHORT TRM BOND 921937827 3,485 41,922 SH   SOLE   0 0 41,922
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND SHRT TRM CORP BD 92206C409 5,531 66,909 SH   SOLE   0 0 66,909
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF STRM INFPROIDX 922020805 4,362 86,943 SH   SOLE   0 0 86,943
VANGUARD SMALL CAP ETF SMALL CP ETF 922908751 2,662 18,269 SH   SOLE   0 0 18,269
VANGUARD SMALL-CAP VALUE INDEX FUND SM CP VAL ETF 922908611 8,132 76,060 SH   SOLE   0 0 76,060
VANGUARD TAX-EXEMPT BOND ETF TAX EXEMPT BD 922907746 5,162 95,354 SH   SOLE   0 0 95,354
VANGUARD TOTAL BOND MARKET INDEX FUND TOTAL BND MRKT 921937835 20,367 230,557 SH   SOLE   0 0 230,557
VANGUARD TOTAL INTERNATIONAL BOND ETF INTL BD IDX ETF 92203J407 24,299 420,906 SH   SOLE   0 0 420,906
VANGUARD TOTAL INTERNATIONAL STOCK ETF VG TL INTL STK F 921909768 25,030 509,044 SH   SOLE   0 0 509,044
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 2,033 12,987 SH   SOLE   0 0 12,987
VANGUARD VALUE INDEX FUND VALUE ETF 922908744 4,162 41,793 SH   SOLE   0 0 41,793
WILLIAMS COS INC COM COM 969457100 203 10,648 SH   SOLE   0 0 10,648