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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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
MASTERCARD INCORPORATED CL A 57636Q104 454 1,243 SH   SOLE   0 0 1,243
INNOVATOR ETFS TR RUSSELL 2000 PWR 45782C284 435 16,335 SH   SOLE   0 0 16,335
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 9,453 185,165 SH   SOLE   0 0 185,165
INNOVATOR ETFS TR S&P 500 BUFFER 45782C664 1,524 47,902 SH   SOLE   0 0 47,902
SPDR S&P 500 ETF TR TR UNIT 78462F103 352 821 SH   SOLE   0 0 821
PEPSICO INC COM 713448108 253 1,709 SH   SOLE   0 0 1,709
ALPHA ARCHITECT ETF TR INTL QUAN MOMNTM 02072L300 3,471 100,043 SH   SOLE   0 0 100,043
VANGUARD INDEX FDS LARGE CAP ETF 922908637 12,237 60,957 SH   SOLE   0 0 60,957
ABBOTT LABS COM 002824100 244 2,101 SH   SOLE   0 0 2,101
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 13,562 157,642 SH   SOLE   0 0 157,642
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 9,592 186,435 SH   SOLE   0 0 186,435
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 15,945 309,484 SH   SOLE   0 0 309,484
ISHARES TR IBONDS DEC22 ETF 46434VBA7 548 21,561 SH   SOLE   0 0 21,561
ROSS STORES INC COM 778296103 372 3,004 SH   SOLE   0 0 3,004
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 8,011 248,399 SH   SOLE   0 0 248,399
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 6,797 124,962 SH   SOLE   0 0 124,962
ISHARES TR MSCI USA MIN VOL 46429B697 19,846 269,607 SH   SOLE   0 0 269,607
GRAINGER W W INC COM 384802104 365 833 SH   SOLE   0 0 833
AMAZON COM INC COM 023135106 486 141 SH   SOLE   0 0 141
ISHARES U S ETF TR BLACKROCK SHORT 46431W838 11,786 234,829 SH   SOLE   0 0 234,829
APPLE INC COM 037833100 6,211 45,351 SH   SOLE   0 0 45,351
ISHARES TR MSCI USA QLT FCT 46432F339 23,048 173,462 SH   SOLE   0 0 173,462
LOWES COS INC COM 548661107 930 4,796 SH   SOLE   0 0 4,796
EDWARDS LIFESCIENCES CORP COM 28176E108 298 2,880 SH   SOLE   0 0 2,880
ISHARES TR IBONDS DEC23 ETF 46434VAX8 560 21,467 SH   SOLE   0 0 21,467
GERDAU SA SPON ADR REP PFD 373737105 415 70,268 SH   SOLE   0 0 70,268
BRIGHTSPIRE CAPITAL INC COM CL A 10949T109 134 14,206 SH   SOLE   0 0 14,206
ISHARES TR IBONDS DEC2023 46435G318 219 8,381 SH   SOLE   0 0 8,381
VANGUARD INDEX FDS GROWTH ETF 922908736 5,253 18,316 SH   SOLE   0 0 18,316
PHILIP MORRIS INTL INC COM 718172109 364 3,668 SH   SOLE   0 0 3,668
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 14,780 291,353 SH   SOLE   0 0 291,353
ALPHA ARCHITECT ETF TR US QUAN MOMENTUM 02072L409 5,805 113,028 SH   SOLE   0 0 113,028
AMERIPRISE FINL INC COM 03076C106 299 1,203 SH   SOLE   0 0 1,203
INNOVATOR ETFS TR S&P 500 POWER 45782C508 2,696 83,102 SH   SOLE   0 0 83,102
INTEL CORP COM 458140100 213 3,793 SH   SOLE   0 0 3,793
CONAGRA BRANDS INC COM 205887102 285 7,828 SH   SOLE   0 0 7,828
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 2,154 64,721 SH   SOLE   0 0 64,721
ISHARES TR MSCI USA VALUE 46432F388 30,103 286,532 SH   SOLE   0 0 286,532
INNOVATOR ETFS TR S&P 500 PWR BUF 45782C318 1,103 37,471 SH   SOLE   0 0 37,471
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 348 1,200 SH   SOLE   0 0 1,200
ISHARES INC MSCI EMERG MRKT 464286533 1,272 19,821 SH   SOLE   0 0 19,821
INNOVATOR ETFS TR S&P 500 ULTRA 45782C839 477 17,703 SH   SOLE   0 0 17,703
ALPHA ARCHITECT ETF TR US QUAN VALUE 02072L102 6,520 189,917 SH   SOLE   0 0 189,917
ISHARES TR CORE S&P SCP ETF 464287804 296 2,621 SH   SOLE   0 0 2,621
EXXON MOBIL CORP COM 30231G102 2,115 33,536 SH   SOLE   0 0 33,536
JPMORGAN CHASE & CO COM 46625H100 467 3,003 SH   SOLE   0 0 3,003
SHOPIFY INC CL A 82509L107 224 153 SH   SOLE   0 0 153
J P MORGAN EXCHANGE-TRADED F US MOMENTUM 46641Q779 216 4,965 SH   SOLE   0 0 4,965
ISHARES INC CORE MSCI EMKT 46434G103 694 10,362 SH   SOLE   0 0 10,362
AMPLIFY ETF TR BLACKSWAN GRWT 032108888 3,110 90,739 SH   SOLE   0 0 90,739
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 897 3,227 SH   SOLE   0 0 3,227
VANGUARD INDEX FDS VALUE ETF 922908744 4,823 35,086 SH   SOLE   0 0 35,086
J P MORGAN EXCHANGE-TRADED F US QUALTY FCTR 46641Q761 321 7,849 SH   SOLE   0 0 7,849
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 397 6,263 SH   SOLE   0 0 6,263
ISHARES TR MSCI EAFE MIN VL 46429B689 12,975 171,763 SH   SOLE   0 0 171,763
VANGUARD STAR FDS VG TL INTL STK F 921909768 415 6,318 SH   SOLE   0 0 6,318
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 241 1,064 SH   SOLE   0 0 1,064
INNOVATOR ETFS TR S&P 500 ULTRA 45782C300 478 15,439 SH   SOLE   0 0 15,439
INNOVATOR ETFS TR RUSSELL 2000 PWR 45782C342 751 27,167 SH   SOLE   0 0 27,167
J P MORGAN EXCHANGE-TRADED F JPMORGAN DIVER 46641Q407 271 2,797 SH   SOLE   0 0 2,797
VISA INC COM CL A 92826C839 692 2,959 SH   SOLE   0 0 2,959
SIMPLIFY EXCHANGE TRADED FUN US EQT PLS CNVEX 82889N103 11,802 385,099 SH   SOLE   0 0 385,099
FACEBOOK INC CL A 30303M102 655 1,885 SH   SOLE   0 0 1,885
J P MORGAN EXCHANGE-TRADED F US VALUE FACTR 46641Q753 342 9,439 SH   SOLE   0 0 9,439
FS KKR CAP CORP COM 302635206 1,351 62,815 SH   SOLE   0 0 62,815
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 526 3,563 SH   SOLE   0 0 3,563
MICROCHIP TECHNOLOGY INC. COM 595017104 255 1,702 SH   SOLE   0 0 1,702
VANGUARD INDEX FDS SMALL CP ETF 922908751 13,862 61,531 SH   SOLE   0 0 61,531
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 423 4,924 SH   SOLE   0 0 4,924
MARSH & MCLENNAN COS INC COM 571748102 276 1,960 SH   SOLE   0 0 1,960
INNOVATOR ETFS TR MSCI EAFE PWR 45782C524 261 9,768 SH   SOLE   0 0 9,768
ISHARES TR MSCI AC ASIA ETF 464288182 794 8,402 SH   SOLE   0 0 8,402
PROSPECT CAP CORP COM 74348T102 305 36,339 SH   SOLE   0 0 36,339
ISHARES TR IBONDS DEC25 ETF 46434VBD1 338 12,522 SH   SOLE   0 0 12,522
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,442 10,960 SH   SOLE   0 0 10,960
HOME DEPOT INC COM 437076102 220 690 SH   SOLE   0 0 690
ISHARES TR IBONDS DEC2022 46435G755 280 10,677 SH   SOLE   0 0 10,677
ISHARES TR IBOXX HI YD ETF 464288513 362 4,109 SH   SOLE   0 0 4,109
INNOVATOR ETFS TR S&P 500 POWER 45782C573 462 15,292 SH   SOLE   0 0 15,292
INNOVATOR ETFS TR MSCI EMGR MKT 45782C516 583 18,764 SH   SOLE   0 0 18,764
INNOVATOR ETFS TR RUSSELL 2000 P 45782C599 338 12,605 SH   SOLE   0 0 12,605
INNOVATOR ETFS TR S&P 500 BUFFER 45782C409 1,397 38,989 SH   SOLE   0 0 38,989
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 12,976 371,476 SH   SOLE   0 0 371,476
AMGEN INC COM 031162100 462 1,896 SH   SOLE   0 0 1,896
ISHARES TR IBONDS DEC21 ETF 46434VBK5 621 25,048 SH   SOLE   0 0 25,048
UNITEDHEALTH GROUP INC COM 91324P102 838 2,092 SH   SOLE   0 0 2,092
MID-AMER APT CMNTYS INC COM 59522J103 317 1,884 SH   SOLE   0 0 1,884
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107 393 7,213 SH   SOLE   0 0 7,213
3M CO COM 88579Y101 303 1,524 SH   SOLE   0 0 1,524
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 374 950 SH   SOLE   0 0 950
INNOVATOR ETFS TR S&P 500 ULTRA 45782C805 479 18,650 SH   SOLE   0 0 18,650
INNOVATOR ETFS TR S&P 500 ULTRA 45782C565 477 16,369 SH   SOLE   0 0 16,369
ISHARES TR CORE MSCI EAFE 46432F842 409 5,460 SH   SOLE   0 0 5,460
MERCK & CO INC COM 58933Y105 857 11,023 SH   SOLE   0 0 11,023
WP CAREY INC COM 92936U109 414 5,542 SH   SOLE   0 0 5,542
MICROSOFT CORP COM 594918104 1,409 5,202 SH   SOLE   0 0 5,202
ISHARES TR IBONDS DEC2021 46435G789 315 12,290 SH   SOLE   0 0 12,290
AMERISOURCEBERGEN CORP COM 03073E105 221 1,933 SH   SOLE   0 0 1,933
ISHARES TR MSCI INTL MOMENT 46434V449 11,040 285,422 SH   SOLE   0 0 285,422
CARMAX INC COM 143130102 363 2,813 SH   SOLE   0 0 2,813
BOOKING HOLDINGS INC COM 09857L108 245 112 SH   SOLE   0 0 112
ALPHABET INC CAP STK CL A 02079K305 437 179 SH   SOLE   0 0 179
INNOVATOR ETFS TR S&P 500 PWR BU 45782C540 347 11,370 SH   SOLE   0 0 11,370
FISERV INC COM 337738108 1,088 10,180 SH   SOLE   0 0 10,180
ISHARES TR IBONDS DEC24 ETF 46434VBG4 409 15,502 SH   SOLE   0 0 15,502
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 15,891 292,590 SH   SOLE   0 0 292,590
PACER FDS TR TRENDP US LAR CP 69374H105 3,269 86,950 SH   SOLE   0 0 86,950
J & J SNACK FOODS CORP COM 466032109 977 5,600 SH   SOLE   0 0 5,600
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 15,560 152,987 SH   SOLE   0 0 152,987
ALPHABET INC CAP STK CL C 02079K107 1,033 412 SH   SOLE   0 0 412
ALPHA ARCHITECT ETF TR INTL QUAN VALUE 02072L201 3,325 114,463 SH   SOLE   0 0 114,463
INNOVATOR ETFS TR S&P 500 BUFFER 45782C789 2,634 83,848 SH   SOLE   0 0 83,848
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 26,620 261,058 SH   SOLE   0 0 261,058
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 15,551 306,477 SH   SOLE   0 0 306,477
INNOVATOR ETFS TR S&P 500 ULTRA BF 45782C292 676 24,186 SH   SOLE   0 0 24,186
KROGER CO COM 501044101 392 10,236 SH   SOLE   0 0 10,236
SPDR SER TR S&P DIVID ETF 78464A763 210 1,720 SH   SOLE   0 0 1,720
ISHARES TR CORE S&P500 ETF 464287200 335 779 SH   SOLE   0 0 779
ISHARES TR MSCI INTL QUALTY 46434V456 13,083 339,296 SH   SOLE   0 0 339,296
ISHARES TR MSCI USA MMENTM 46432F396 19,461 112,215 SH   SOLE   0 0 112,215
INNOVATOR ETFS TR S&P 500 BUFFER E 45782C557 1,523 45,846 SH   SOLE   0 0 45,846
ISHARES TR MSCI INTL VLU FT 46435G409 15,668 606,833 SH   SOLE   0 0 606,833
PAYPAL HLDGS INC COM 70450Y103 402 1,380 SH   SOLE   0 0 1,380
JOHNSON & JOHNSON COM 478160104 855 5,188 SH   SOLE   0 0 5,188
ISHARES TR 0-5YR HI YL CP 46434V407 31,224 677,898 SH   SOLE   0 0 677,898
INNOVATOR ETFS TR S&P 500 BUFFER E 45782C326 1,280 41,122 SH   SOLE   0 0 41,122
DOLLAR GEN CORP NEW COM 256677105 207 956 SH   SOLE   0 0 956
SIMPLIFY EXCHANGE TRADED FUN US EQT PLS DWNSD 82889N202 14,972 493,960 SH   SOLE   0 0 493,960
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 13,482 330,353 SH   SOLE   0 0 330,353
VANGUARD INDEX FDS SM CP VAL ETF 922908611 400 2,304 SH   SOLE   0 0 2,304