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
ESSEX PPTY TR INC COM COM 297178105 328 1,634 SH   SOLE   0 0 1,634
ISHARES TR COHEN STEER REIT COHEN STEER REIT 464287564 2,091 20,500 SH   SOLE   0 0 20,500
MICROSOFT CORP COM COM 594918104 841 4,000 SH   SOLE   0 0 4,000
OLD DOMINION FGHT LINES INC CO COM 679580100 1,099 6,075 SH   SOLE   0 0 6,075
INVESCO QQQ TR UNIT SER 1 UNIT SER 1 46090E103 4,028 14,499 SH   SOLE   0 0 14,499
ISHARES INC CORE MSCI EMKT CORE MSCI EMKT 46434G103 6,652 125,980 SH   SOLE   125,980 0 0
ISHARES INC MSCI CDA ETF MSCI CDA ETF 464286509 1,549 56,500 SH   SOLE   52,499 0 4,001
ISHARES INC MSCI JPN ETF NEW MSCI JPN ETF NEW 46434G822 812 13,750 SH   SOLE   0 0 13,750
ISHARES MORNINGSTAR LARGE CAP MRNGSTR LG-CP ET 464287127 253 1,299 SH   SOLE   0 0 1,299
ISHARES TR CHINA LG-CAP ETF CHINA LG-CAP ETF 464287184 508 12,100 SH   SOLE   0 0 12,100
ISHARES TR CORE MSCI EAFE CORE MSCI EAFE 46432F842 14,779 245,167 SH   SOLE   239,167 0 6,000
ISHARES TR CORE S&P TTL STK CORE S&P TTL STK 464287150 1,872 24,799 SH   SOLE   0 0 24,799
ISHARES TR CORE S&P US VLU CORE S&P US VLU 464287663 244 4,500 SH   SOLE   0 0 4,500
ISHARES TR MSCI USA MIN VOL MIN VOL USA ETF 46429B697 3,359 52,701 SH   SOLE   0 0 52,701
ISHARES TR NASDAQ BIOTECH NASDAQ BIOTECH 464287556 1,991 14,700 SH   SOLE   0 0 14,700
iShares Tr S&P 500 Index CORE S&P500 ETF 464287200 30,853 91,808 SH   SOLE   91,808 0 0
SCHWAB STRATEGIC TR US DIVIDEN US DIVIDEND EQ 808524797 415 7,500 SH   SOLE   0 0 7,500
SELECT SECTOR SPDR TR SBI CONS SBI CONS DISCR 81369Y407 294 2,000 SH   SOLE   0 0 2,000
SELECT SECTOR SPDR TR SBI CONS SBI CONS STPLS 81369Y308 833 13,000 SH   SOLE   0 0 13,000
SELECT SECTOR SPDR TR SBI INT- SBI INT-UTILS 81369Y886 1,591 26,800 SH   SOLE   0 0 26,800
SPDR DOW JONES INDUSTRIAL AVER UT SER 1 78467x109 277 999 SH   SOLE   0 0 999
SPDR S&P 500 ETF TR TR UNIT TR UNIT 78462F103 5,057 15,101 SH   SOLE   0 0 15,101
SPDR SERIES TRUST S&P BIOTECH S&P BIOTECH 78464A870 1,504 13,500 SH   SOLE   0 0 13,500
SPDR SERIES TRUST S&P HOMEBUIL S&P HOMEBUILD 78464A888 1,024 19,001 SH   SOLE   0 0 19,001
VANECK VECTORS ETF TR AGRIBUSI AGRIBUSINESS ETF 92189F700 1,600 23,701 SH   SOLE   0 0 23,701
VANGUARD GROUP DIV APP ETF DIV APP ETF 921908844 1,415 11,000 SH   SOLE   0 0 11,000
VANGUARD INDEX FDS EXTEND MKT EXTEND MKT ETF 922908652 324 2,500 SH   SOLE   0 0 2,500
VANGUARD INDEX FDS GROWTH ETF GROWTH ETF 922908736 7,742 34,013 SH   SOLE   3,466 0 30,547
VANGUARD INDEX FDS MCAP VL IDX MCAP VL IDXVIP 922908512 760 7,500 SH   SOLE   0 0 7,500
VANGUARD INDEX FDS MID CAP ETF MID CAP ETF 922908629 2,565 14,552 SH   SOLE   0 0 14,552
VANGUARD INDEX FDS REAL ESTATE REIT ETF 922908553 1,777 22,500 SH   SOLE   0 0 22,500
VANGUARD INDEX FDS S&P 500 ETF S&P 500 ETF SHS 922908363 2,615 8,501 SH   SOLE   0 0 8,501
VANGUARD INDEX FDS SM CP VAL E SM CP VAL ETF 922908611 2,644 23,900 SH   SOLE   0 0 23,900
VANGUARD INDEX FDS SMALL CP ET SMALL CP ETF 922908751 1,862 12,108 SH   SOLE   0 0 12,108
VANGUARD INDEX FDS TOTAL STK M STK MRK ETF 922908769 41,901 246,027 SH   SOLE   17,787 0 228,240
VANGUARD INDEX FDS VALUE ETF VALUE ETF 922908744 11,882 113,695 SH   SOLE   10,140 0 103,555
VANGUARD INTL EQUITY INDEX FD ALLWRLD EX US 922042775 217 4,300 SH   SOLE   0 0 4,300
VANGUARD INTL EQUITY INDEX FD FTSE SMCAP ETF 922042718 3,327 31,597 SH   SOLE   286 0 31,311
VANGUARD INTL EQUITY INDEX FD GLB EX US ETF 922042676 252 5,188 SH   SOLE   306 0 4,882
VANGUARD INTL EQUITY INDEX FD TT WRLD ST ETF 922042742 2,982 36,975 SH   SOLE   0 0 36,975
VANGUARD INTL EQUITY INDEX FDS EMR MKT ETF 922042858 1,281 29,633 SH   SOLE   1,020 0 28,613
VANGUARD INTL EQUITY INDEX FDS FTSE EUROPE ETF 922042874 9,912 189,060 SH   SOLE   15,196 0 173,864
VANGUARD MEGA CAP GROWTH ETF MEGA GRWTH IND 921910816 371 2,001 SH   SOLE   0 0 2,001
VANGUARD TAX MANAGED INTL FD F FTSE DEV MKT ETF 921943858 20,008 489,184 SH   SOLE   32,705 0 456,479
VANGUARD WHITEHALL FDS INC HIG HIGH DIV YLD 921946406 1,821 22,500 SH   SOLE   0 0 22,500
VANGUARD WORLD FDS CONSUM STP CONSUM STP ETF 92204A207 770 4,716 SH   SOLE   0 0 4,716
VANGUARD WORLD FDS HEALTH CAR HEALTH CAR ETF 92204A504 3,044 14,924 SH   SOLE   0 0 14,924
VANGUARD WORLD FDS MATERIALS E MATERIALS ETF 92204A801 781 5,800 SH   SOLE   0 0 5,800
VANGUARD WORLD FDS UTILITIES E UTILITIES ETF 92204A876 749 5,802 SH   SOLE   0 0 5,802
ISHARES BARCLAYS 20 YEAR TREAS 20 YR TR BD ETF 464287432 300 1,839 SH   SOLE   0 0 1,839
ISHARES TR BOND 7-10 YEAR TREA BARCLAYS 7 10 YR 464287440 548 4,500 SH   SOLE   0 0 4,500
ISHARES TR CORE US AGGBD ET CORE US AGGBD ET 464287226 135,918 1,151,259 SH   SOLE   997,601 0 153,658
ISHARES TR NATIONAL MUN ETF NATIONAL MUN ETF 464288414 341 2,944 SH   SOLE   0 0 2,944
ISHARES TR SHRT NAT MUN ETF SHRT NAT MUN ETF 464288158 36,939 341,711 SH   SOLE   14,693 0 327,018
SCHWAB INTERMEDIATE-TERM U.S. INTRM TRM TRES 808524854 238 4,064 SH   SOLE   0 0 4,064
SPDR SERIES TRUST BLOMBERG BRC BLOMBERG BRC INV 78468R200 11,637 380,540 SH   SOLE   39,724 0 340,816
SPDR SERIES TRUST PORTFOLIO SH PORTFOLIO SHORT 78464A474 16,365 521,681 SH   SOLE   5,078 0 516,603
SPDR SERIES TRUST SHRT INTL ET BLOMBERG BRC INT 78464A334 12,389 394,618 SH   SOLE   46,488 0 348,130
SSGA ACTIVE ETF TR BLKSTN GSOS BLKSTN GSOSRLN 78467V608 9,797 219,079 SH   SOLE   23,882 0 195,197
VANECK VECTORS JP MORGAN EM LO JP MORGAN MKTS 92189H300 628 20,359 SH   SOLE   2,414 0 17,945
VANGUARD BD INDEX FD INC SHORT SHORT TRM BOND 921937827 3,209 38,645 SH   SOLE   5,125 0 33,520
VANGUARD CHARLOTTE FDS INTL BD INTL BD IDX ETF 92203J407 4,904 84,274 SH   SOLE   2,634 0 81,640
VANGUARD MALVERN FDS STRM INFP STRM INFPROIDX 922020805 9,533 186,849 SH   SOLE   12,884 0 173,965