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
KONINKLIJKE PHILIPS N V NY REG SH NEW 500472303 211 4,319 SH   SOLE   0 0 4,319
DANAHER CORPORATION COM 235851102 230 1,499 SH   SOLE   0 0 1,499
RAYTHEON CO COM NEW 755111507 345 1,571 SH   SOLE   0 0 1,571
AMERICAN TOWER CORP NEW COM 03027X100 349 1,517 SH   SOLE   0 0 1,517
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 2,651 43,165 SH   SOLE   0 0 43,165
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 98,645 3,604,140 SH   SOLE   0 0 3,604,140
ISHARES TR SHRT NAT MUN ETF 464288158 5,733 53,687 SH   SOLE   0 0 53,687
DISNEY WALT CO COM DISNEY 254687106 342 2,368 SH   SOLE   0 0 2,368
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 526 6,490 SH   SOLE   0 0 6,490
ADOBE INC COM 00724F101 287 870 SH   SOLE   0 0 870
GENUINE PARTS CO COM 372460105 5,492 51,696 SH   SOLE   0 0 51,696
CVS HEALTH CORP COM 126650100 215 2,898 SH   SOLE   0 0 2,898
ISHARES TR SH TR CRPORT ETF 464288646 19,556 364,645 SH   SOLE   0 0 364,645
ISHARES TR TIPS BD ETF 464287176 512 4,396 SH   SOLE   0 0 4,396
PEPSICO INC COM 713448108 282 2,061 SH   SOLE   0 0 2,061
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 166,273 2,837,424 SH   SOLE   0 0 2,837,424
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 10,424 194,698 SH   SOLE   0 0 194,698
ISHARES TR CORE MSCI PAC 46434V696 4,360 74,646 SH   SOLE   0 0 74,646
QUALCOMM INC COM 747525103 385 4,359 SH   SOLE   0 0 4,359
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 322 1,527 SH   SOLE   0 0 1,527
LOWES COS INC COM 548661107 337 2,812 SH   SOLE   0 0 2,812
AT&T INC COM 00206R102 817 20,915 SH   SOLE   0 0 20,915
AMAZON COM INC COM 023135106 833 451 SH   SOLE   0 0 451
VEREIT INC COM 92339V100 212 22,960 SH   SOLE   0 0 22,960
TEXAS INSTRS INC COM 882508104 403 3,138 SH   SOLE   0 0 3,138
PRICE T ROWE GROUP INC COM 74144T108 6,050 49,657 SH   SOLE   0 0 49,657
CUMMINS INC COM 231021106 432 2,413 SH   SOLE   0 0 2,413
CINCINNATI FINL CORP COM 172062101 5,751 54,694 SH   SOLE   0 0 54,694
JOHNSON CTLS INTL PLC SHS G51502105 239 5,864 SH   SOLE   0 0 5,864
ISHARES TR MSCI MIN VOL ETF 46429B697 252 3,848 SH   SOLE   0 0 3,848
PHILIP MORRIS INTL INC COM 718172109 360 4,229 SH   SOLE   0 0 4,229
ARCHER DANIELS MIDLAND CO COM 039483102 5,739 123,818 SH   SOLE   0 0 123,818
VANGUARD INDEX FDS GROWTH ETF 922908736 9,929 54,501 SH   SOLE   0 0 54,501
DOVER CORP COM 260003108 6,469 56,122 SH   SOLE   0 0 56,122
ISHARES TR RUS 2000 VAL ETF 464287630 547 4,253 SH   SOLE   0 0 4,253
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 1,720 26,861 SH   SOLE   0 0 26,861
INTEL CORP COM 458140100 515 8,611 SH   SOLE   0 0 8,611
SCHLUMBERGER LTD COM 806857108 300 7,473 SH   SOLE   0 0 7,473
NIKE INC CL B 654106103 214 2,109 SH   SOLE   0 0 2,109
CGI INC CL A SUB VTG 12532H104 235 2,803 SH   SOLE   0 0 2,803
ISHARES TR JPMORGAN USD EMG 464288281 48,130 420,126 SH   SOLE   0 0 420,126
US BANCORP DEL COM NEW 902973304 315 5,315 SH   SOLE   0 0 5,315
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 453 7,804 SH   SOLE   0 0 7,804
WALMART INC COM 931142103 510 4,292 SH   SOLE   0 0 4,292
ISHARES TR SP SMCP600VL ETF 464287879 794 4,940 SH   SOLE   0 0 4,940
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475 216 5,037 SH   SOLE   0 0 5,037
AMERICAN INTL GROUP INC COM NEW 026874784 358 6,969 SH   SOLE   0 0 6,969
ISHARES TR US TREAS BD ETF 46429B267 4,047 156,017 SH   SOLE   0 0 156,017
JPMORGAN CHASE & CO COM 46625H100 729 5,231 SH   SOLE   0 0 5,231
COMCAST CORP NEW CL A 20030N101 582 12,942 SH   SOLE   0 0 12,942
ISHARES TR CORE S&P SCP ETF 464287804 414 4,937 SH   SOLE   0 0 4,937
EQUINIX INC COM 29444U700 247 423 SH   SOLE   0 0 423
CISCO SYS INC COM 17275R102 582 12,138 SH   SOLE   0 0 12,138
SPDR SERIES TRUST BLOOMBERG BRCLYS 78468R622 410 3,742 SH   SOLE   0 0 3,742
BROADCOM INC COM 11135F101 260 824 SH   SOLE   0 0 824
ISHARES INC CORE MSCI EMKT 46434G103 998 18,562 SH   SOLE   0 0 18,562
SYSCO CORP COM 871829107 251 2,929 SH   SOLE   0 0 2,929
AMBEV SA SPONSORED ADR 02319V103 221 47,499 SH   SOLE   0 0 47,499
PROCTER & GAMBLE CO COM 742718109 453 3,626 SH   SOLE   0 0 3,626
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 677 12,593 SH   SOLE   0 0 12,593
CHEVRON CORP NEW COM 166764100 687 5,703 SH   SOLE   0 0 5,703
FRANKLIN RES INC COM 354613101 4,963 191,026 SH   SOLE   0 0 191,026
ISHARES TR BARCLAYS 7 10 YR 464287440 44,987 408,157 SH   SOLE   0 0 408,157
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 284 1,340 SH   SOLE   0 0 1,340
ISHARES TR FLTG RATE NT ETF 46429B655 592 11,621 SH   SOLE   0 0 11,621
EATON CORP PLC SHS G29183103 404 4,269 SH   SOLE   0 0 4,269
ZEBRA TECHNOLOGIES CORP CL A 989207105 315 1,232 SH   SOLE   0 0 1,232
VANGUARD INDEX FDS VALUE ETF 922908744 6,685 55,782 SH   SOLE   0 0 55,782
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 484 8,208 SH   SOLE   0 0 8,208
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,322 25,026 SH   SOLE   0 0 25,026
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 167,301 1,800,678 SH   SOLE   0 0 1,800,678
SAP SE SPON ADR 803054204 468 3,491 SH   SOLE   0 0 3,491
VISA INC COM CL A 92826C839 827 4,401 SH   SOLE   0 0 4,401
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 3,226 49,096 SH   SOLE   0 0 49,096
ISHARES TR IBOXX INV CP ETF 464287242 474 3,705 SH   SOLE   0 0 3,705
VANGUARD INDEX FDS SML CP GRW ETF 922908595 49,908 251,171 SH   SOLE   0 0 251,171
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 3,169 49,119 SH   SOLE   0 0 49,119
MONDELEZ INTL INC CL A 609207105 329 5,976 SH   SOLE   0 0 5,976
AON PLC SHS CL A G0408V102 335 1,608 SH   SOLE   0 0 1,608
ISHARES TR RUS 1000 VAL ETF 464287598 39,978 292,922 SH   SOLE   0 0 292,922
ISHARES TR 3 7 YR TREAS BD 464288661 75,533 600,661 SH   SOLE   0 0 600,661
ILLINOIS TOOL WKS INC COM 452308109 6,399 35,622 SH   SOLE   0 0 35,622
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 125,508 2,360,505 SH   SOLE   0 0 2,360,505
PROGRESSIVE CORP OHIO COM 743315103 962 13,286 SH   SOLE   0 0 13,286
AUTOMATIC DATA PROCESSING IN COM 053015103 5,848 34,298 SH   SOLE   0 0 34,298
WALGREENS BOOTS ALLIANCE INC COM 931427108 5,482 92,984 SH   SOLE   0 0 92,984
FACEBOOK INC CL A 30303M102 665 3,242 SH   SOLE   0 0 3,242
TJX COS INC NEW COM 872540109 270 4,427 SH   SOLE   0 0 4,427
DBX ETF TR XTRACK USD HIGH 233051432 398 7,911 SH   SOLE   0 0 7,911
ISHARES TR CORE S&P TTL STK 464287150 263 3,621 SH   SOLE   0 0 3,621
ISHARES TR CORE US AGGBD ET 464287226 2,211 19,680 SH   SOLE   0 0 19,680
SALESFORCE COM INC COM 79466L302 270 1,662 SH   SOLE   0 0 1,662
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,866 17,516 SH   SOLE   0 0 17,516
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 464 5,700 SH   SOLE   0 0 5,700
SUNCOR ENERGY INC NEW COM 867224107 219 6,684 SH   SOLE   0 0 6,684
ISHARES TR IBOXX HI YD ETF 464288513 1,703 19,364 SH   SOLE   0 0 19,364
CITIGROUP INC COM NEW 172967424 627 7,853 SH   SOLE   0 0 7,853
METLIFE INC COM 59156R108 328 6,427 SH   SOLE   0 0 6,427
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 5,160 46,449 SH   SOLE   0 0 46,449
AMGEN INC COM 031162100 404 1,677 SH   SOLE   0 0 1,677
CSX CORP COM 126408103 256 3,543 SH   SOLE   0 0 3,543
UNITEDHEALTH GROUP INC COM 91324P102 939 3,193 SH   SOLE   0 0 3,193
ISHARES TR INTRM TR CRP ETF 464288638 2,284 39,389 SH   SOLE   0 0 39,389
INTERNATIONAL BUSINESS MACHS COM 459200101 286 2,137 SH   SOLE   0 0 2,137
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 212 3,000 SH   SOLE   0 0 3,000
VICI PPTYS INC COM 925652109 205 8,020 SH   SOLE   0 0 8,020
3M CO COM 88579Y101 5,624 31,881 SH   SOLE   0 0 31,881
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 33,598 414,642 SH   SOLE   0 0 414,642
ISHARES TR S&P 500 GRWT ETF 464287309 1,581 8,164 SH   SOLE   0 0 8,164
CANADIAN NATL RY CO COM 136375102 233 2,577 SH   SOLE   0 0 2,577
VERIZON COMMUNICATIONS INC COM 92343V104 494 8,042 SH   SOLE   0 0 8,042
VANECK VECTORS ETF TRUST FALLEN ANGEL HG 92189F437 60,887 2,039,759 SH   SOLE   0 0 2,039,759
ISHARES TR S&P MC 400GR ETF 464287606 325 1,366 SH   SOLE   0 0 1,366
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 120,003 1,724,681 SH   SOLE   0 0 1,724,681
ISHARES TR CORE MSCI EAFE 46432F842 2,085 31,960 SH   SOLE   0 0 31,960
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 1,257 78,815 SH   SOLE   0 0 78,815
ISHARES TR CORE S&P MCP ETF 464287507 301 1,464 SH   SOLE   0 0 1,464
MERCK & CO INC COM 58933Y105 405 4,450 SH   SOLE   0 0 4,450
ISHARES US ETF TR SHT MAT BD ETF 46431W507 2,960 58,902 SH   SOLE   0 0 58,902
MICROSOFT CORP COM 594918104 1,276 8,090 SH   SOLE   0 0 8,090
ISHARES TR RUSSELL 2000 ETF 464287655 2,510 15,151 SH   SOLE   0 0 15,151
ISHARES TR S&P 500 VAL ETF 464287408 1,535 11,799 SH   SOLE   0 0 11,799
ISHARES TR RUS 1000 ETF 464287622 245 1,372 SH   SOLE   0 0 1,372
ISHARES TR RUS MID CAP ETF 464287499 4,145 69,531 SH   SOLE   0 0 69,531
DOMINION ENERGY INC COM 25746U109 282 3,399 SH   SOLE   0 0 3,399
ISHARES TR MSCI ACWI ETF 464288257 2,184 27,554 SH   SOLE   0 0 27,554
ISHARES TR RUS 1000 GRW ETF 464287614 55,396 314,894 SH   SOLE   0 0 314,894
CONSOLIDATED EDISON INC COM 209115104 5,574 61,607 SH   SOLE   0 0 61,607
FIDELITY COMWLTH TR NDQ CP IDX TRK 315912808 376 1,074 SH   SOLE   0 0 1,074
MCDONALDS CORP COM 580135101 5,822 29,464 SH   SOLE   0 0 29,464
NOVARTIS A G SPONSORED ADR 66987V109 265 2,802 SH   SOLE   0 0 2,802
GENERAL DYNAMICS CORP COM 369550108 5,467 31,001 SH   SOLE   0 0 31,001
ISHARES TR S&P MC 400VL ETF 464287705 343 2,008 SH   SOLE   0 0 2,008
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 381 8,639 SH   SOLE   0 0 8,639
ISHARES TR MBS ETF 464288588 2,566 23,744 SH   SOLE   0 0 23,744
ALPHABET INC CAP STK CL A 02079K305 502 375 SH   SOLE   0 0 375
PHILLIPS 66 COM 718546104 309 2,778 SH   SOLE   0 0 2,778
ISHARES TR RUS MD CP GR ETF 464287481 210 1,374 SH   SOLE   0 0 1,374
ALPHABET INC CAP STK CL C 02079K107 639 478 SH   SOLE   0 0 478
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468R739 1,509 30,723 SH   SOLE   0 0 30,723
BANCO BRADESCO S A SP ADR PFD NEW 059460303 103 11,529 SH   SOLE   0 0 11,529
CLOROX CO DEL COM 189054109 5,265 34,290 SH   SOLE   0 0 34,290
HONEYWELL INTL INC COM 438516106 209 1,183 SH   SOLE   0 0 1,183
ISHARES TR 20 YR TR BD ETF 464287432 955 7,049 SH   SOLE   0 0 7,049
UNION PACIFIC CORP COM 907818108 316 1,746 SH   SOLE   0 0 1,746
RELX PLC SPONSORED ADR 759530108 257 10,179 SH   SOLE   0 0 10,179
ISHARES TR MSCI EAFE ETF 464287465 817 11,769 SH   SOLE   0 0 11,769
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,605 193,492 SH   SOLE   0 0 193,492
BOOKING HLDGS INC COM 09857L108 322 157 SH   SOLE   0 0 157
CONOCOPHILLIPS COM 20825C104 304 4,680 SH   SOLE   0 0 4,680
MEDTRONIC PLC SHS G5960L103 520 4,580 SH   SOLE   0 0 4,580
BANK AMER CORP COM 060505104 208 5,916 SH   SOLE   0 0 5,916
LEAR CORP COM NEW 521865204 377 2,747 SH   SOLE   0 0 2,747
ISHARES TR CORE S&P500 ETF 464287200 1,609 4,977 SH   SOLE   0 0 4,977
ASTRAZENECA PLC SPONSORED ADR 046353108 266 5,338 SH   SOLE   0 0 5,338
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 210 2,504 SH   SOLE   0 0 2,504
AFLAC INC COM 001055102 5,515 104,249 SH   SOLE   0 0 104,249
INTUIT COM 461202103 204 778 SH   SOLE   0 0 778
NUTRIEN LTD COM 67077M108 330 6,890 SH   SOLE   0 0 6,890
PAYPAL HLDGS INC COM 70450Y103 285 2,635 SH   SOLE   0 0 2,635
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 271 1,705 SH   SOLE   0 0 1,705
CROWN CASTLE INTL CORP NEW COM 22822V101 214 1,507 SH   SOLE   0 0 1,507
ISHARES TR CORE MSCI EURO 46434V738 9,816 196,838 SH   SOLE   0 0 196,838
ISHARES TR EUROPE ETF 464287861 245 5,215 SH   SOLE   0 0 5,215
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 152,521 2,536,950 SH   SOLE   0 0 2,536,950
JOHNSON & JOHNSON COM 478160104 641 4,391 SH   SOLE   0 0 4,391
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 44,583 1,286,673 SH   SOLE   0 0 1,286,673
VANGUARD INDEX FDS SM CP VAL ETF 922908611 46,907 342,215 SH   SOLE   0 0 342,215
INVESCO QQQ TR UNIT SER 1 46090E103 3,725 17,519 SH   SOLE   0 0 17,519
TARGET CORP COM 87612E106 424 3,309 SH   SOLE   0 0 3,309