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
ISHARES TR CORE S&P SCP ETF 464287804 261 2,401 SH   SOLE   0 0 2,401
ISHARES TR CORE S&P500 ETF 464287200 310 779 SH   SOLE   0 0 779
SPDR S&P 500 ETF TR TR UNIT 78462F103 538 1,357 SH   SOLE   0 0 1,357
AMAZON COM INC COM 023135106 437 141 SH   SOLE   0 0 141
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 821 3,215 SH   SOLE   0 0 3,215
AMGEN INC COM 031162100 472 1,896 SH   SOLE   0 0 1,896
ABBOTT LABS COM 002824100 252 2,101 SH   SOLE   0 0 2,101
CONAGRA BRANDS INC COM 205887102 295 7,855 SH   SOLE   0 0 7,855
GRAINGER W W INC COM 384802104 334 833 SH   SOLE   0 0 833
INTEL CORP COM 458140100 234 3,655 SH   SOLE   0 0 3,655
JOHNSON & JOHNSON COM 478160104 747 4,544 SH   SOLE   0 0 4,544
KROGER CO COM 501044101 368 10,236 SH   SOLE   0 0 10,236
LOWES COS INC COM 548661107 912 4,796 SH   SOLE   0 0 4,796
AMERISOURCEBERGEN CORP COM 03073E105 228 1,933 SH   SOLE   0 0 1,933
MICROSOFT CORP COM 594918104 1,140 4,834 SH   SOLE   0 0 4,834
PEPSICO INC COM 713448108 242 1,709 SH   SOLE   0 0 1,709
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 469 3,531 SH   SOLE   0 0 3,531
EXXON MOBIL CORP COM 30231G102 1,872 33,533 SH   SOLE   0 0 33,533
MERCK & CO. INC COM 58933Y105 779 10,110 SH   SOLE   0 0 10,110
HOME DEPOT INC COM 437076102 207 679 SH   SOLE   0 0 679
JPMORGAN CHASE & CO COM 46625H100 457 3,001 SH   SOLE   0 0 3,001
BOOKING HOLDINGS INC COM 09857L108 261 112 SH   SOLE   0 0 112
FISERV INC COM 337738108 1,212 10,180 SH   SOLE   0 0 10,180
UNITEDHEALTH GROUP INC COM 91324P102 778 2,092 SH   SOLE   0 0 2,092
MARSH & MCLENNAN COS INC COM 571748102 239 1,960 SH   SOLE   0 0 1,960
3M CO COM 88579Y101 294 1,524 SH   SOLE   0 0 1,524
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,405 11,638 SH   SOLE   0 0 11,638
NEXTERA ENERGY INC COM 65339F101 203 2,684 SH   SOLE   0 0 2,684
APPLE INC COM 037833100 5,522 45,203 SH   SOLE   0 0 45,203
ROSS STORES INC COM 778296103 360 3,004 SH   SOLE   0 0 3,004
EDWARDS LIFESCIENCES CORP COM 28176E108 241 2,880 SH   SOLE   0 0 2,880
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 14,781 283,984 SH   SOLE   0 0 283,984
ISHARES TR MSCI AC ASIA ETF 464288182 779 8,402 SH   SOLE   0 0 8,402
WP CAREY INC COM 92936U109 410 5,794 SH   SOLE   0 0 5,794
MID-AMER APT CMNTYS INC COM 59522J103 270 1,872 SH   SOLE   0 0 1,872
UNITED RENTALS INC COM 911363109 204 620 SH   SOLE   0 0 620
GERDAU SA SPON ADR REP PFD 373737105 375 70,268 SH   SOLE   0 0 70,268
MICROCHIP TECHNOLOGY INC. COM 595017104 264 1,702 SH   SOLE   0 0 1,702
ALPHABET INC CAP STK CL A 02079K305 369 179 SH   SOLE   0 0 179
VANGUARD INDEX FDS VALUE ETF 922908744 4,628 35,207 SH   SOLE   0 0 35,207
VANGUARD INDEX FDS SM CP VAL ETF 922908611 344 2,078 SH   SOLE   0 0 2,078
VANGUARD INDEX FDS SMALL CP ETF 922908751 15,312 71,525 SH   SOLE   0 0 71,525
VANGUARD INDEX FDS GROWTH ETF 922908736 4,763 18,532 SH   SOLE   0 0 18,532
CARMAX INC COM 143130102 373 2,813 SH   SOLE   0 0 2,813
AMERIPRISE FINL INC COM 03076C106 280 1,203 SH   SOLE   0 0 1,203
SPDR SER TR S&P DIVID ETF 78464A763 203 1,720 SH   SOLE   0 0 1,720
MASTERCARD INCORPORATED CL A 57636Q104 443 1,243 SH   SOLE   0 0 1,243
J & J SNACK FOODS CORP COM 466032109 926 5,900 SH   SOLE   0 0 5,900
VANGUARD INDEX FDS LARGE CAP ETF 922908637 9,494 51,236 SH   SOLE   0 0 51,236
PROSPECT CAP CORP COM 74348T102 279 36,339 SH   SOLE   0 0 36,339
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 380 6,263 SH   SOLE   0 0 6,263
ISHARES TR IBOXX HI YD ETF 464288513 358 4,109 SH   SOLE   0 0 4,109
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 432 5,100 SH   SOLE   0 0 5,100
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 324 1,200 SH   SOLE   0 0 1,200
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 14,525 295,771 SH   SOLE   0 0 295,771
VISA INC COM CL A 92826C839 626 2,958 SH   SOLE   0 0 2,958
PHILIP MORRIS INTL INC COM 718172109 314 3,537 SH   SOLE   0 0 3,537
FS KKR CAP CORP COM 302635206 234 11,784 SH   SOLE   0 0 11,784
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 30,492 299,208 SH   SOLE   0 0 299,208
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 11,741 228,649 SH   SOLE   0 0 228,649
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 344 945 SH   SOLE   0 0 945
SHOPIFY INC CL A 82509L107 214 193 SH   SOLE   0 0 193
VANGUARD STAR FDS VG TL INTL STK F 921909768 398 6,340 SH   SOLE   0 0 6,340
ISHARES TR MSCI USA MIN VOL 46429B697 17,622 254,695 SH   SOLE   0 0 254,695
ISHARES TR MSCI EAFE MIN VL 46429B689 13,173 180,477 SH   SOLE   0 0 180,477
ISHARES INC MSCI EMERG MRKT 464286533 3,273 51,826 SH   SOLE   0 0 51,826
FACEBOOK INC CL A 30303M102 555 1,885 SH   SOLE   0 0 1,885
FS KKR CAP CORP II COM 35952V303 1,122 57,450 SH   SOLE   0 0 57,450
ISHARES INC CORE MSCI EMKT 46434G103 762 11,835 SH   SOLE   0 0 11,835
ISHARES TR CORE MSCI EAFE 46432F842 400 5,549 SH   SOLE   0 0 5,549
ISHARES TR MSCI USA MMENTM 46432F396 17,276 107,397 SH   SOLE   0 0 107,397
ISHARES TR MSCI USA VALUE 46432F388 28,903 282,095 SH   SOLE   0 0 282,095
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 4,243 83,762 SH   SOLE   0 0 83,762
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 5,287 171,921 SH   SOLE   0 0 171,921
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1,189 37,052 SH   SOLE   0 0 37,052
ISHARES TR MSCI USA QLT FCT 46432F339 23,162 190,194 SH   SOLE   0 0 190,194
ISHARES TR 0-5YR HI YL CP 46434V407 32,505 709,555 SH   SOLE   0 0 709,555
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 16,495 161,766 SH   SOLE   0 0 161,766
ALPHABET INC CAP STK CL C 02079K107 858 415 SH   SOLE   0 0 415
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 222 980 SH   SOLE   0 0 980
ALPHA ARCHITECT ETF TR US QUAN VALUE 02072L102 5,982 183,985 SH   SOLE   0 0 183,985
ALPHA ARCHITECT ETF TR INTL QUAN VALUE 02072L201 3,085 106,931 SH   SOLE   0 0 106,931
ISHARES TR IBONDS DEC21 ETF 46434VBK5 622 25,017 SH   SOLE   0 0 25,017
ISHARES TR IBONDS DEC23 ETF 46434VAX8 560 21,427 SH   SOLE   0 0 21,427
ISHARES TR IBONDS DEC25 ETF 46434VBD1 335 12,480 SH   SOLE   0 0 12,480
ISHARES TR IBONDS DEC22 ETF 46434VBA7 548 21,524 SH   SOLE   0 0 21,524
ISHARES TR IBONDS DEC24 ETF 46434VBG4 408 15,460 SH   SOLE   0 0 15,460
ISHARES U S ETF TR BLACKROCK SHORT 46431W838 13,982 278,248 SH   SOLE   0 0 278,248
PACER FDS TR TRENDP US LAR CP 69374H105 3,039 87,465 SH   SOLE   0 0 87,465
ISHARES TR MSCI INTL MOMENT 46434V449 10,147 269,872 SH   SOLE   0 0 269,872
ISHARES TR MSCI INTL QUALTY 46434V456 13,179 361,664 SH   SOLE   0 0 361,664
PAYPAL HLDGS INC COM 70450Y103 336 1,385 SH   SOLE   0 0 1,385
ISHARES TR IBONDS DEC2022 46435G755 281 10,653 SH   SOLE   0 0 10,653
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 12,309 155,576 SH   SOLE   0 0 155,576
ISHARES TR IBONDS DEC2021 46435G789 316 12,290 SH   SOLE   0 0 12,290
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 12,689 321,319 SH   SOLE   0 0 321,319
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 10,722 324,513 SH   SOLE   0 0 324,513
ISHARES TR MSCI INTL VLU FT 46435G409 14,644 579,027 SH   SOLE   0 0 579,027
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107 367 7,213 SH   SOLE   0 0 7,213
ALPHA ARCHITECT ETF TR INTL QUAN MOMNTM 02072L300 3,175 94,299 SH   SOLE   0 0 94,299
J P MORGAN EXCHANGE-TRADED F JPMORGAN DIVER 46641Q407 255 2,797 SH   SOLE   0 0 2,797
ALPHA ARCHITECT ETF TR US QUAN MOMENTUM 02072L409 5,674 108,590 SH   SOLE   0 0 108,590
ISHARES TR IBONDS DEC2023 46435G318 219 8,358 SH   SOLE   0 0 8,358
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 16,187 318,922 SH   SOLE   0 0 318,922
J P MORGAN EXCHANGE-TRADED F US QUALTY FCTR 46641Q761 296 7,849 SH   SOLE   0 0 7,849
J P MORGAN EXCHANGE-TRADED F US VALUE FACTR 46641Q753 324 9,439 SH   SOLE   0 0 9,439
COLONY CR REAL ESTATE INC COM CL A 19625T101 121 14,206 SH   SOLE   0 0 14,206
INNOVATOR ETFS TR S&P 500 ULTRA 45782C839 383 14,308 SH   SOLE   0 0 14,308
INNOVATOR ETFS TR S&P 500 BUFFER 45782C789 5,751 185,680 SH   SOLE   0 0 185,680
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 11,601 227,295 SH   SOLE   0 0 227,295
AMPLIFY ETF TR BLACKSWAN GRWT 032108888 2,890 90,423 SH   SOLE   0 0 90,423
INNOVATOR ETFS TR S&P 500 POWER 45782C508 5,769 182,858 SH   SOLE   0 0 182,858
INNOVATOR ETFS TR S&P 500 BUFFER 45782C409 1,359 39,812 SH   SOLE   0 0 39,812
INNOVATOR ETFS TR S&P 500 ULTRA 45782C300 365 12,033 SH   SOLE   0 0 12,033
INNOVATOR ETFS TR S&P 500 ULTRA 45782C805 367 14,623 SH   SOLE   0 0 14,623
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 15,398 303,234 SH   SOLE   0 0 303,234
INNOVATOR ETFS TR S&P 500 BUFFER 45782C755 407 12,732 SH   SOLE   0 0 12,732
INNOVATOR ETFS TR S&P 500 BUFFER 45782C664 1,428 46,858 SH   SOLE   0 0 46,858
INNOVATOR ETFS TR RUSSELL 2000 P 45782C599 334 12,605 SH   SOLE   0 0 12,605
INNOVATOR ETFS TR S&P 500 POWER 45782C573 437 14,718 SH   SOLE   0 0 14,718
INNOVATOR ETFS TR S&P 500 ULTRA 45782C565 382 13,320 SH   SOLE   0 0 13,320
INNOVATOR ETFS TR S&P 500 PWR BU 45782C540 351 11,797 SH   SOLE   0 0 11,797
INNOVATOR ETFS TR S&P 500 BUFFER E 45782C557 1,429 44,881 SH   SOLE   0 0 44,881
INNOVATOR ETFS TR MSCI EAFE PWR 45782C524 246 9,437 SH   SOLE   0 0 9,437
INNOVATOR ETFS TR MSCI EMGR MKT 45782C516 560 18,479 SH   SOLE   0 0 18,479
INNOVATOR ETFS TR RUSSELL 2000 P 45782C474 702 23,048 SH   SOLE   0 0 23,048
INNOVATOR ETFS TR RUSSELL 2000 PWR 45782C342 407 15,047 SH   SOLE   0 0 15,047
INNOVATOR ETFS TR S&P 500 PWR BUF 45782C318 1,080 37,471 SH   SOLE   0 0 37,471
INNOVATOR ETFS TR S&P 500 BUFFER E 45782C326 797 26,286 SH   SOLE   0 0 26,286
INNOVATOR ETFS TR S&P 500 ULTRA BF 45782C292 668 24,186 SH   SOLE   0 0 24,186
INNOVATOR ETFS TR RUSSELL 2000 PWR 45782C284 363 13,713 SH   SOLE   0 0 13,713
SIMPLIFY EXCHANGE TRADED FUN US EQT PLS CNVEX 82889N103 7,214 253,744 SH   SOLE   0 0 253,744
SIMPLIFY EXCHANGE TRADED FUN US EQT PLS DWNSD 82889N202 10,200 361,158 SH   SOLE   0 0 361,158