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 MSCI EMERGING MARKETS ETF MSCI EMG MKT ETF 464287234 5,982 135,688 SH   SOLE   0 0 135,688
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF MIN VOL EMRG MKT 464286533 15,873 287,662 SH   SOLE   0 0 287,662
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 470 7,377 SH   SOLE   0 0 7,377
ISHARES INC MSCI EAFE MINIMUM VOLATILITY INDEX FD MIN VOL EAFE ETF 46429B689 26,348 386,731 SH   SOLE   0 0 386,731
ISHARES MSCI EAFE GROWTH INDEX ETF EAFE GRWTH ETF 464288885 6,022 67,005 SH   SOLE   0 0 67,005
ISHARES MSCI EAFE VALUE INDEX ETF EAFE VALUE ETF 464288877 4,053 100,439 SH   SOLE   0 0 100,439
SCHWAB FUNDAMENTAL U.S. SMALL COMPANY INDEX ETF SCHWAB FDT US SC 808524763 1,437 43,491 SH   SOLE   0 0 43,491
SCHWAB FUNDAMENTAL INTL LG CO ETF SCHWB FDT INT LG 808524755 218 8,881 SH   SOLE   0 0 8,881
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF SCHWAB FDT US LG 808524771 227 5,869 SH   SOLE   0 0 5,869
FIRST TRUST PREFERRED SECURITIES AND INCOME ETF PFD SECS INC ETF 33739E108 12,388 646,228 SH   SOLE   0 0 646,228
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 8,613 142,883 SH   SOLE   0 0 142,883
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 8,652 163,870 SH   SOLE   0 0 163,870
ISHARES TRUST S&P GLOBAL INFRASTRUCTUR GLB INFRASTR ETF 464288372 448 11,622 SH   SOLE   0 0 11,622
ISHARES CORE S&P MID CAP ETF CORE S&P MCP ETF 464287507 1,450 7,826 SH   SOLE   0 0 7,826
ISHARES S&P SMALL-CAP FUND CORE S&P SCP ETF 464287804 287 4,080 SH   SOLE   0 0 4,080
ISHARES S&P 500 INDEX CORE S&P500 ETF 464287200 17,123 50,952 SH   SOLE   0 0 50,952
ISHARES TR RUSSELL 1000 INDEX ETF RUS 1000 ETF 464287622 1,180 6,305 SH   SOLE   0 0 6,305
ISHARES RUSSELL 1000 VALUE ETF RUS 1000 VAL ETF 464287598 1,500 12,699 SH   SOLE   0 0 12,699
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 10,630 49,011 SH   SOLE   0 0 49,011
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 2,835 18,924 SH   SOLE   0 0 18,924
ISHARES RUSSELL 2000 VALUE RUS 2000 VAL ETF 464287630 1,979 19,926 SH   SOLE   0 0 19,926
ISHARES RUSSELL 2000 GROWTH ETF RUS 2000 GRW ETF 464287648 1,119 5,052 SH   SOLE   0 0 5,052
ISHARES RUSSELL MIDCAP GROWTH ETF RUS MD CP GR ETF 464287481 2,258 13,063 SH   SOLE   0 0 13,063
ISHARES TR RUSSELL MIDCAP INDEX FD RUS MID CAP ETF 464287499 1,360 23,697 SH   SOLE   0 0 23,697
ISHARES RUSSELL MIDCAP VALUE INDEX RUS MDCP VAL ETF 464287473 5,266 65,143 SH   SOLE   0 0 65,143
VANGUARD MEGA CAP ETF MEGA CAP INDEX 921910873 1,239 10,332 SH   SOLE   0 0 10,332
SCHWAB ETFS- US SMALL-CAP ETF US SML CAP ETF 808524607 3,739 54,728 SH   SOLE   0 0 54,728
SCHWAB ETFS- US BROAD MARKET ETF US BRD MKT ETF 808524102 1,957 24,568 SH   SOLE   0 0 24,568
SCHWAB INTL SMALL CAP ETF INTL SCEQT ETF 808524888 13,237 406,919 SH   SOLE   0 0 406,919
SCHWAB US LARGE CAP GROWTH ETF US LCAP GR ETF 808524300 857 7,438 SH   SOLE   0 0 7,438
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508 1,973 35,557 SH   SOLE   0 0 35,557
SCHWAB US LARGE CAP VALUE ETF US LCAP VA ETF 808524409 4,239 81,232 SH   SOLE   0 0 81,232
SCHWAB STRATEGIC TR US LRG CAP ETF US LRG CAP ETF 808524201 818 10,140 SH   SOLE   0 0 10,140
SCHWAB US AGGREGATE BOND ETF US AGGREGAT B 808524839 242 4,311 SH   SOLE   0 0 4,311
ISHARES MSCI EAFE SMALL CAP ETF EAFE SML CP ETF 464288273 6,544 110,932 SH   SOLE   0 0 110,932
SPDR SER TR S&P DIVID ETF S&P DIVID ETF 78464A763 417 4,514 SH   SOLE   0 0 4,514
ISHARES RUSSELL 2500 ETF RUSEL 2500 ETF 46435G268 491 10,974 SH   SOLE   0 0 10,974
SPDR S&P 500 ETF TR UNIT 78462F103 1,176 3,510 SH   SOLE   0 0 3,510
ISHARES TR MSCI USA MINIMUM VOLATILITY INDEX FD MSCI MIN VOL ETF 46429B697 25,671 402,816 SH   SOLE   0 0 402,816
VANGUARD SMALL CAP ETF SMALL CP ETF 922908751 605 3,932 SH   SOLE   0 0 3,932
VANGUARD SMALL-CAP GROWTH INDEX FUND SML CP GRW ETF 922908595 378 1,759 SH   SOLE   0 0 1,759
VANGUARD SMALL CAP VALUE ETF SML CP VAL ETF 922908611 817 7,388 SH   SOLE   0 0 7,388
VANGUARD FTSE DEVELOPED MARKETS ETF FTSE DEV MKT ETF 921943858 868 21,224 SH   SOLE   0 0 21,224
VANGUARD MID CAP MID CAP ETF 922908629 3,262 18,510 SH   SOLE   0 0 18,510
VANGUARD INDEX FDS MID-CAP VALUE INDEX VIPER SHS ETF MCAP VL IDXVIP 922908512 5,560 54,844 SH   SOLE   0 0 54,844
VANGUARD S&P 500 ETF S&P 500 ETF 922908363 9,304 30,243 SH   SOLE   0 0 30,243
VANGUARD MID-CAP GROWTH INDEX FUND MCAP GR IDXVIP 922908538 2,810 15,597 SH   SOLE   0 0 15,597
VANGUARD TOTAL STK MKT TOTAL STK MKT 922908769 3,907 22,942 SH   SOLE   0 0 22,942
VANGUARD VALUE ETF VALUE ETF 922908744 4,395 42,050 SH   SOLE   0 0 42,050
VANGUARD GROWTH ETF GROWTH ETF 922908736 35,417 155,602 SH   SOLE   0 0 155,602
VANGUARD FTSE EMERGING MARKETS ETF FTSE EMR MKT ETF 922042858 1,214 28,080 SH   SOLE   0 0 28,080
VANGUARD EXTENDED MARKET ETF EXTEND MKT ETF 922908652 2,544 19,613 SH   SOLE   0 0 19,613