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
DNP SELECT INCOME FD COM 23325P104 216 20,075 SH   SOLE   0 0 20,075
ISHARES TR TIPS BD ETF 464287176 3,442 30,494 SH   SOLE   0 0 30,494
ISHARES TR RUS 2000 VAL ETF 464287630 599 4,542 SH   SOLE   0 0 4,542
ISHARES TR IBONDS DEC20 ETF 46434VAQ3 8,872 354,310 SH   SOLE   0 0 354,310
ISHARES TR 1 3 YR TREAS BD 464287457 549 6,584 SH   SOLE   0 0 6,584
ISHARES TR CORE S&P SCP ETF 464287804 5,148 61,687 SH   SOLE   0 0 61,687
ISHARES TR SP SMCP600VL ETF 464287879 5,620 34,423 SH   SOLE   0 0 34,423
ISHARES TR INTRMD CR BD ETF 464288638 802 7,551 SH   SOLE   0 0 7,551
ISHARES TR RUS 1000 VAL ETF 464287598 412 3,398 SH   SOLE   0 0 3,398
ISHARES TR IBOXX INV CP ETF 464287242 696 6,074 SH   SOLE   0 0 6,074
ISHARES TR CORE US AGGBD ET 464287226 2,056 19,341 SH   SOLE   0 0 19,341
ISHARES TR RUS MID CAP ETF 464287499 256 1,208 SH   SOLE   0 0 1,208
ISHARES TR CORE S&P MCP ETF 464287507 36,471 187,243 SH   SOLE   0 0 187,243
ISHARES TR S&P 500 VAL ETF 464287408 20,343 184,716 SH   SOLE   0 0 184,716
ISHARES TR 1 3 YR CR BD ETF 464288646 1,440 13,882 SH   SOLE   0 0 13,882
ISHARES TR S&P MC 400VL ETF 464287705 14,305 88,287 SH   SOLE   0 0 88,287
ISHARES TR EAFE VALUE ETF 464288877 3,555 69,239 SH   SOLE   0 0 69,239
ISHARES TR MSCI EAFE ETF 464287465 2,522 37,663 SH   SOLE   0 0 37,663
ISHARES TR CORE S&P500 ETF 464287200 3,506 12,839 SH   SOLE   0 0 12,839
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 338 4,465 SH   SOLE   0 0 4,465
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,905 71,125 SH   SOLE   0 0 71,125
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,013 20,368 SH   SOLE   0 0 20,368
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426 2,088 35,188 SH   SOLE   0 0 35,188
SPDR S&P 500 ETF TR TR UNIT 78462F103 24,303 89,587 SH   SOLE   0 0 89,587
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 5,205 14,661 SH   SOLE   0 0 14,661
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 18,986 640,772 SH   SOLE   0 0 640,772
U S SILICA HLDGS INC COM 90346E103 257 10,000 SH   SOLE   0 0 10,000
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 18,144 170,844 SH   SOLE   0 0 170,844
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 16,301 131,216 SH   SOLE   0 0 131,216
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 345 2,623 SH   SOLE   0 0 2,623
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 32,529 415,924 SH   SOLE   0 0 415,924
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 27,978 353,308 SH   SOLE   0 0 353,308
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 1,069 19,546 SH   SOLE   0 0 19,546
VANGUARD INDEX FDS VALUE ETF 922908744 347 3,344 SH   SOLE   0 0 3,344
VANGUARD INDEX FDS MID CAP ETF 922908629 508 3,221 SH   SOLE   0 0 3,221
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 11,785 144,695 SH   SOLE   0 0 144,695
VANGUARD INDEX FDS TOTAL STK MKT 922908769 406 2,894 SH   SOLE   0 0 2,894
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 25,416 101,863 SH   SOLE   0 0 101,863
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 17,712 362,586 SH   SOLE   0 0 362,586
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,256 16,087 SH   SOLE   0 0 16,087
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 9,955 119,189 SH   SOLE   0 0 119,189
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 20,327 473,828 SH   SOLE   0 0 473,828