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
AMERICAN CENTURY ETF TR US SM CAP COM 025072877 52 916 SH   SOLE   916 0 0
BARCLAYS ETN SHILLER COM 06742A669 637 3,575 SH   SOLE   3,575 0 0
INVESCO ETF TR II FND INV GR CP COM 46138E693 1,118 40,698 SH   SOLE   40,698 0 0
INVESCO S&P 500 EQUAL WEIGHT COM 46137V357 168 1,324 SH   SOLE   1,324 0 0
INVESCO S&P 500 QUALITY COM 46137V241 33,565 797,087 SH   SOLE   797,087 0 0
ISHARE CORE S&P MID-CAP ETF COM 464287507 1,988 8,648 SH   SOLE   8,648 0 0
ISHARES CORE MSCI COM 46434V696 3 52 SH   SOLE   52 0 0
ISHARES CORE MSCI EAFE - ETF COM 46432F842 1,037 15,005 SH   SOLE   15,005 0 0
ISHARES CORE MSCI EMG MKTS - ETF COM 46434G103 11,087 178,701 SH   SOLE   178,701 0 0
ISHARES CORE S&P 500 COM 464287200 9,285 24,735 SH   SOLE   24,735 0 0
ISHARES CORE S&P TOTAL US STOCK MKT COM 464287150 36,192 419,766 SH   SOLE   419,766 0 0
ISHARES MODERATE ALLOCATION ETF COM 464289875 10 233 SH   SOLE   233 0 0
ISHARES MSCI EAFE INDEX COM 464287465 340 4,666 SH   SOLE   4,666 0 0
ISHARES MSCI EMERGING MKTS COM 464287234 42 810 SH   SOLE   810 0 0
ISHARES MSCI GROWTH COM 464288885 898 8,899 SH   SOLE   8,899 0 0
ISHARES MSCI INTL QUALITY COM 46434V456 20,069 562,783 SH   SOLE   562,783 0 0
ISHARES RUSSELL 1000 GROWTH COM 464287614 1,531 6,348 SH   SOLE   6,348 0 0
ISHARES RUSSELL 1000 VALUE COM 464287598 76 556 SH   SOLE   556 0 0
ISHARES RUSSELL 2000 COM 464287655 797 4,066 SH   SOLE   4,066 0 0
ISHARES RUSSELL 2000 GROWTH COM 464287648 17 59 SH   SOLE   59 0 0
ISHARES RUSSELL 2000 VALUE COM 464287630 99 752 SH   SOLE   752 0 0
ISHARES RUSSELL 3000 COM 464287689 112,201 501,905 SH   SOLE   501,905 0 0
ISHARES RUSSELL MID CAP GROWTH COM 464287481 154 1,499 SH   SOLE   1,499 0 0
ISHARES RUSSELL MID CAP VALUE COM 464287473 959 9,896 SH   SOLE   9,896 0 0
ISHARES S&P MID CAP 400 VALUE COM 464287705 52,722 610,917 SH   SOLE   610,917 0 0
ISHARES S&P 500 GROWTH COM 464287309 1,779 27,883 SH   SOLE   27,883 0 0
ISHARES S&P 500 VALUE COM 464287408 988 7,717 SH   SOLE   7,717 0 0
ISHARES S&P SMALL CAP 600 GROWTH COM 464287887 1,439 12,602 SH   SOLE   12,602 0 0
ISHARES S&P SMALLCAP 600 INDEX COM 464287804 32 343 SH   SOLE   343 0 0
ISHARES S&P SMALL CAP 600 VALUE COM 464287879 6,969 85,715 SH   SOLE   85,715 0 0
ISHARES SH TERM CORP BOND COM 464288646 788 14,286 SH   SOLE   14,286 0 0
ISHARES TR BARCLAYS AGG BOND COM 464287226 5,430 45,945 SH   SOLE   45,945 0 0
ISHARES TRUST COM 464288414 113 965 SH   SOLE   965 0 0
ISHARES TR CORE MSCI INTL ETF COM 46435G326 8,289 134,494 SH   SOLE   134,494 0 0
JOHN HANCOCK MLTFCTR COM 47804J834 1,530 52,395 SH   SOLE   52,395 0 0
J HANCOCK MLTFACTOR DEV INTL COM 47804J859 41,834 1,345,147 SH   SOLE   1,345,147 0 0
J HANCOCK MLTFACTOR SM CAP COM 47804J842 1,564 51,015 SH   SOLE   51,015 0 0
JP MORGAN ULTRA-SHORT INCOME ETF COM 46641Q837 31 615 SH   SOLE   615 0 0
JP MORGAN EMG MARKETS BOND COM 464288281 3 23 SH   SOLE   23 0 0
NASDAQ 100 ETF COM 46090E103 34,280 109,262 SH   SOLE   109,262 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE COM 72201R833 31 302 SH   SOLE   302 0 0
PIMCO INVESTMENT GRADE CORP COM 72201R817 2,214 18,909 SH   SOLE   18,909 0 0
RUSSELL 1000 INDEX COM 464287622 2,496 11,781 SH   SOLE   11,781 0 0
RUSSELL MID-CAP COM 464287499 2,072 30,227 SH   SOLE   30,227 0 0
SPDR TRUST UNIT SR COM 78462F103 1,846 4,937 SH   SOLE   4,937 0 0
S&P MID CAP 400 ETF COM 78467Y107 3,829 9,118 SH   SOLE   9,118 0 0
S&P MID-CAP 400 GROWTH COM 464287606 44 610 SH   SOLE   610 0 0
SCHWAB EMERGING MKTS EQUITY COM 808524706 2,340 76,330 SH   SOLE   76,330 0 0
SCHWAB INTERNATIONAL EQUITY COM 808524805 5,623 156,151 SH   SOLE   156,151 0 0
SCHWAB US AGGREGATE BOND COM 808524839 8,178 145,957 SH   SOLE   145,957 0 0
SCHWAB US BROAD MARKET COM 808524102 214,484 2,357,231 SH   SOLE   2,357,231 0 0
SCHWAB US LARGE CAP VALUE COM 808524409 74 1,248 SH   SOLE   1,248 0 0
SCHWAB US LARGE CAP ETF COM 808524201 639 7,030 SH   SOLE   7,030 0 0
SCHWAB US LARGE CAP GROWTH COM 808524300 368 2,863 SH   SOLE   2,863 0 0
SCHWAB US MID CAP COM 808524508 6 87 SH   SOLE   87 0 0
SCHWAB US REIT COM 808524847 1 15 SH   SOLE   15 0 0
SCHWAB US SMALL CAP COM 808524607 845 9,495 SH   SOLE   9,495 0 0
SPDR DOW JONES INDUSTRIALS ETF COM 78467X109 264 864 SH   SOLE   864 0 0
SPDR NUVEEN BLMBG BARCLAYS ST MUNI COM 78468R739 31 622 SH   SOLE   622 0 0
SPDR PORTFOLIO EMERGING MKTS COM 78463X509 207 4,902 SH   SOLE   4,902 0 0
SPDR PORTFOLIO WORLD EX-US COM 78463X889 441 13,059 SH   SOLE   13,059 0 0
SPDR S&P 600 SMALL CAP VALUE COM 78464A300 28,487 430,387 SH   SOLE   430,387 0 0
SPDR SER TR LEHMAN MUNI BD ETF COM 78468R721 1,375 26,195 SH   SOLE   26,195 0 0
SPDR PORTFOLIO TOTAL STOCK MKT COM 78464A805 11,713 254,133 SH   SOLE   254,133 0 0
VANGUARD COMMUNICATIONS ETF COM 92204A884 31,249 259,973 SH   SOLE   259,973 0 0
VANGUARD DIVIDEND APPRECIATION COM 921908844 30,730 217,684 SH   SOLE   217,684 0 0
VANGUARD FTSE DEVELOPED MKTS COM 921943858 109 2,302 SH   SOLE   2,302 0 0
VANGUARD FTSE EMERGING MKTS COM 922042858 42 828 SH   SOLE   828 0 0
VANGUARD HIGH DIVIDEND YIELD ETF COM 921946406 11 115 SH   SOLE   115 0 0
VANGUARD INTL DIV APPRECIATION COM 921946810 12,784 157,074 SH   SOLE   157,074 0 0
VANGUARD MID-CAP VALUE ETF COM 922908512 15,149 127,345 SH   SOLE   127,345 0 0
VANGUARD S&P SMALL CAP 600 COM 921932778 2,982 21,234 SH   SOLE   21,234 0 0
VANGUARD SHORT TERM BOND COM 921937827 4,979 60,065 SH   SOLE   60,065 0 0
VANGUARD SHORT TERM CORP BD COM 92206C409 4 45 SH   SOLE   45 0 0
VANGUARD SMALL CAP VALUE COM 922908611 337 2,366 SH   SOLE   2,366 0 0
VANGUARD TOTAL STOCK MARKET COM 922908769 32,350 166,205 SH   SOLE   166,205 0 0
VANGUARD TOTAL WORLD COM 922042742 8 85 SH   SOLE   85 0 0