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
ABERDEEN STD INVTS ETFS BBRG ALL COMD K1 003261104 35,530 1,652,548 SH   SOLE   0 0 1,652,548
AGILENT TECHNOLOGIES INC COM 00846U101 443 6,573 SH   SOLE   0 0 6,573
AMAZON COM INC COM 023135106 255 170 SH   SOLE   0 0 170
APPLE INC COM 037833100 383 2,425 SH   SOLE   0 0 2,425
COSTCO WHSL CORP NEW COM 22160K105 374 1,835 SH   SOLE   0 0 1,835
DBX ETF TR XTRACKERS SHRT 233051283 2,150 45,699 SH   SOLE   0 0 45,699
FIRST COMWLTH FINL CORP PA COM 319829107 712 58,981 SH   SOLE   0 0 58,981
HOME DEPOT INC COM 437076102 211 1,230 SH   SOLE   0 0 1,230
ISHARES INC CORE MSCI EMKT 46434G103 4,521 95,879 SH   SOLE   0 0 95,879
ISHARES TR CORE S&P500 ETF 464287200 19,237 76,457 SH   SOLE   0 0 76,457
ISHARES TR CORE US AGGBD ET 464287226 52,487 492,881 SH   SOLE   0 0 492,881
ISHARES TR MSCI EAFE ETF 464287465 238 4,050 SH   SOLE   0 0 4,050
ISHARES TR CORE S&P MCP ETF 464287507 36,914 222,296 SH   SOLE   0 0 222,296
ISHARES TR RUSSELL 2000 ETF 464287655 1,722 12,860 SH   SOLE   0 0 12,860
ISHARES TR CORE S&P SCP ETF 464287804 22,951 331,095 SH   SOLE   0 0 331,095
ISHARES TR IBOXX HI YD ETF 464288513 681 8,393 SH   SOLE   0 0 8,393
ISHARES TR SH TR CRPORT ETF 464288646 350 6,781 SH   SOLE   0 0 6,781
ISHARES TR S&P US PFD STK 464288687 206 6,008 SH   SOLE   0 0 6,008
ISHARES TR FLTG RATE NT ETF 46429B655 84,789 1,683,674 SH   SOLE   0 0 1,683,674
ISHARES TR CORE MSCI EAFE 46432F842 16,675 303,187 SH   SOLE   0 0 303,187
KEYSIGHT TECHNOLOGIES INC COM 49338L103 204 3,286 SH   SOLE   0 0 3,286
MCDONALDS CORP COM 580135101 1,030 5,803 SH   SOLE   0 0 5,803
NETAPP INC COM 64110D104 328 5,500 SH   SOLE   0 0 5,500
NUVEEN CALIF MUN VALUE FD COM 67062C107 139 15,250 SH   SOLE   0 0 15,250
PAYCHEX INC COM 704326107 208 3,200 SH   SOLE   0 0 3,200
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 1,684 17,703 SH   SOLE   0 0 17,703
PROCTER AND GAMBLE CO COM 742718109 295 3,208 SH   SOLE   0 0 3,208
QUALCOMM INC COM 747525103 365 6,408 SH   SOLE   0 0 6,408
REALTY INCOME CORP COM 756109104 208 3,300 SH   SOLE   0 0 3,300
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 290 4,831 SH   SOLE   0 0 4,831
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 16,575 277,635 SH   SOLE   0 0 277,635
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,926 102,781 SH   SOLE   0 0 102,781
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,111 51,262 SH   SOLE   0 0 51,262
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,828 15,316 SH   SOLE   0 0 15,316
SPDR SER TR BLOMBERG BRC INV 78468R200 6,680 219,956 SH   SOLE   0 0 219,956
SPDR SER TR BLOOMBERG SRT TR 78468R408 21,043 808,404 SH   SOLE   0 0 808,404
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 38,853 1,175,935 SH   SOLE   0 0 1,175,935
SPDR SERIES TRUST BLMBRG BRC INTRM 78464A672 236 3,960 SH   SOLE   0 0 3,960
TORTOISE PIPELINE & ENERGY F COM 89148H108 199 16,000 SH   SOLE   0 0 16,000
UNITED PARCEL SERVICE INC CL B 911312106 1,011 10,367 SH   SOLE   0 0 10,367
VANECK VECTORS ETF TR INVT GRADE FLTG 92189F486 24,095 975,909 SH   SOLE   0 0 975,909
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 26,220 794,553 SH   SOLE   0 0 794,553
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 2,581 32,581 SH   SOLE   0 0 32,581
VANGUARD GROUP DIV APP ETF 921908844 616 6,290 SH   SOLE   0 0 6,290
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 57,678 250,979 SH   SOLE   0 0 250,979
VANGUARD INDEX FDS MID CAP ETF 922908629 890 6,443 SH   SOLE   0 0 6,443
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,285 19,898 SH   SOLE   0 0 19,898
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,055 16,098 SH   SOLE   0 0 16,098
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,030 66,455 SH   SOLE   0 0 66,455
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 24,880 653,011 SH   SOLE   0 0 653,011
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 78,206 2,107,986 SH   SOLE   0 0 2,107,986