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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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 EUROPE ETF 464287861 1,074 22,728 SH   SOLE   22,728 0 0
ISHARES TR S&P MC 400VL ETF 464287705 693 4,331 SH   SOLE   4,331 0 0
ISHARES TR S&P MC 400GR ETF 464287606 806 3,734 SH   SOLE   3,734 0 0
ISHARES TR SP SMCP600VL ETF 464287879 420 2,733 SH   SOLE   2,733 0 0
ISHARES TR S&P SML 600 GWT 464287887 574 3,371 SH   SOLE   3,371 0 0
ISHARES TR S&P 500 VAL ETF 464287408 1,116 9,773 SH   SOLE   9,773 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 1,517 9,931 SH   SOLE   9,931 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 45,847 368,720 SH   SOLE   368,720 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 58,866 437,083 SH   SOLE   437,083 0 0
JOHNSON & JOHNSON COM 478160104 234 1,673 SH   SOLE   1,673 0 0
SPDR SERIES TRUST NYSE TECH ETF 78464A102 14,052 167,657 SH   SOLE   167,657 0 0
MCDONALDS CORP COM 580135101 451 2,620 SH   SOLE   2,620 0 0
ISHARES TR CORE US AGGBD ET 464287226 3,090 28,266 SH   SOLE   28,266 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 68,346 937,527 SH   SOLE   937,527 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 49,631 373,785 SH   SOLE   373,785 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 65,837 409,308 SH   SOLE   409,308 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 3,831 79,956 SH   SOLE   79,956 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 85,437 1,444,413 SH   SOLE   1,444,413 0 0
ISHARES TR US AER DEF ETF 464288760 14,138 75,157 SH   SOLE   75,157 0 0
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189F361 3,722 119,284 SH   SOLE   119,284 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 6,440 52,535 SH   SOLE   52,535 0 0
SPDR SERIES TRUST S&P REGL BKG 78464A698 13,620 231,430 SH   SOLE   231,430 0 0
SPDR SERIES TRUST S&P BK ETF 78464A797 14,051 296,806 SH   SOLE   296,806 0 0
ISHARES TR 1 3 YR CR BD ETF 464288646 113,392 1,084,672 SH   SOLE   1,084,672 0 0
ISHARES TR JPMORGAN USD EMG 464288281 71,197 613,236 SH   SOLE   613,236 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 4,368 41,656 SH   SOLE   41,656 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 33,216 418,870 SH   SOLE   418,870 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 25,553 361,383 SH   SOLE   361,383 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 19,881 363,652 SH   SOLE   363,652 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 65,502 1,249,091 SH   SOLE   1,249,091 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 32,924 898,815 SH   SOLE   898,815 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 48,412 1,732,718 SH   SOLE   1,732,718 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,967 47,273 SH   SOLE   47,273 0 0
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 25,532 852,487 SH   SOLE   852,487 0 0
ISHARES TR CORE MSCI EAFE 46432F842 3,712 56,159 SH   SOLE   56,159 0 0
VANECK VECTORS ETF TR SHORT HIGH YIELD 92189F387 354 14,632 SH   SOLE   14,632 0 0