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
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 64,217 2,729,151 SH   SOLE   0 0 2,729,151
ISHARES TR SHRT NAT MUN ETF 464288158 4,382 41,576 SH   SOLE   0 0 41,576
VANGUARD INDEX FDS LARGE CAP ETF 922908637 330 2,873 SH   SOLE   0 0 2,873
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 99,118 2,038,621 SH   SOLE   0 0 2,038,621
PEPSICO INC COM 713448108 2,496 22,590 SH   SOLE   0 0 22,590
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 5,931 116,171 SH   SOLE   0 0 116,171
ISHARES TR SH TR CRPORT ETF 464288646 21,979 425,617 SH   SOLE   0 0 425,617
GENUINE PARTS CO COM 372460105 2,498 26,011 SH   SOLE   0 0 26,011
GRAINGER W W INC COM 384802104 2,322 8,224 SH   SOLE   0 0 8,224
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 42,267 1,584,815 SH   SOLE   0 0 1,584,815
ISHARES TR CORE MSCI PAC 46434V696 4,233 83,626 SH   SOLE   0 0 83,626
CINCINNATI FINL CORP COM 172062101 2,610 33,713 SH   SOLE   0 0 33,713
ARCHER DANIELS MIDLAND CO COM 039483102 2,202 53,745 SH   SOLE   0 0 53,745
VANGUARD INDEX FDS GROWTH ETF 922908736 7,736 57,592 SH   SOLE   0 0 57,592
PRICE T ROWE GROUP INC COM 74144T108 2,120 22,958 SH   SOLE   0 0 22,958
WALMART INC COM 931142103 2,604 27,960 SH   SOLE   0 0 27,960
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 1,801 29,508 SH   SOLE   0 0 29,508
HORMEL FOODS CORP COM 440452100 2,725 63,842 SH   SOLE   0 0 63,842
ISHARES TR JPMORGAN USD EMG 464288281 36,762 353,786 SH   SOLE   0 0 353,786
ISHARES TR CORE S&P SCP ETF 464287804 261 3,758 SH   SOLE   0 0 3,758
VANGUARD INDEX FDS VALUE ETF 922908744 5,414 55,278 SH   SOLE   0 0 55,278
ISHARES TR BARCLAYS 7 10 YR 464287440 27,690 265,741 SH   SOLE   0 0 265,741
ISHARES INC CORE MSCI EMKT 46434G103 458 9,705 SH   SOLE   0 0 9,705
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 659 14,457 SH   SOLE   0 0 14,457
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 2,998 55,696 SH   SOLE   0 0 55,696
VANGUARD INDEX FDS SML CP GRW ETF 922908595 32,467 215,601 SH   SOLE   0 0 215,601
SPDR SERIES TRUST S&P BK ETF 78464A797 544 14,554 SH   SOLE   0 0 14,554
ISHARES TR RUS 1000 VAL ETF 464287598 38,779 349,199 SH   SOLE   0 0 349,199
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 88,075 1,277,741 SH   SOLE   0 0 1,277,741
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 2,834 52,543 SH   SOLE   0 0 52,543
ISHARES TR 3 7 YR TREAS BD 464288661 110,970 914,089 SH   SOLE   0 0 914,089
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 95,238 1,849,642 SH   SOLE   0 0 1,849,642
AUTOMATIC DATA PROCESSING IN COM 053015103 2,441 18,619 SH   SOLE   0 0 18,619
PROGRESSIVE CORP OHIO COM 743315103 735 12,185 SH   SOLE   0 0 12,185
WALGREENS BOOTS ALLIANCE INC COM 931427108 2,476 36,243 SH   SOLE   0 0 36,243
DBX ETF TR XTRACK USD HIGH 233051432 251 5,358 SH   SOLE   0 0 5,358
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,060 8,309 SH   SOLE   0 0 8,309
ISHARES TR CORE US AGGBD ET 464287226 2,764 25,952 SH   SOLE   0 0 25,952
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 479 6,427 SH   SOLE   0 0 6,427
ISHARES TR US AER DEF ETF 464288760 634 3,665 SH   SOLE   0 0 3,665
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 4,844 51,165 SH   SOLE   0 0 51,165
ISHARES TR S&P 500 GRWT ETF 464287309 1,293 8,579 SH   SOLE   0 0 8,579
SPDR SERIES TRUST S&P REGL BKG 78464A698 523 11,176 SH   SOLE   0 0 11,176
SPDR SERIES TRUST NYSE TECH ETF 78464A102 513 8,620 SH   SOLE   0 0 8,620
ISHARES TR S&P MC 400GR ETF 464287606 320 1,674 SH   SOLE   0 0 1,674
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 50,419 646,899 SH   SOLE   0 0 646,899
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 74,348 1,226,252 SH   SOLE   0 0 1,226,252
ISHARES TR RUS 1000 GRW ETF 464287614 50,589 386,438 SH   SOLE   0 0 386,438
ISHARES TR CORE MSCI EAFE 46432F842 1,582 28,758 SH   SOLE   0 0 28,758
CONSOLIDATED EDISON INC COM 209115104 2,409 31,504 SH   SOLE   0 0 31,504
ISHARES TR S&P 500 VAL ETF 464287408 1,149 11,360 SH   SOLE   0 0 11,360
ISHARES TR MSCI ACWI ETF 464288257 1,381 21,532 SH   SOLE   0 0 21,532
ISHARES TR S&P MC 400VL ETF 464287705 341 2,463 SH   SOLE   0 0 2,463
MCDONALDS CORP COM 580135101 2,684 15,118 SH   SOLE   0 0 15,118
CLOROX CO DEL COM 189054109 2,745 17,811 SH   SOLE   0 0 17,811
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,951 51,203 SH   SOLE   0 0 51,203
SPDR SER TR NUVEEN BLMBRG SR 78468R739 924 19,219 SH   SOLE   0 0 19,219
ISHARES TR CORE S&P500 ETF 464287200 226 900 SH   SOLE   0 0 900
MEDTRONIC PLC SHS G5960L103 2,552 28,051 SH   SOLE   0 0 28,051
ISHARES TR EUROPE ETF 464287861 209 5,340 SH   SOLE   0 0 5,340
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 93,644 1,899,857 SH   SOLE   0 0 1,899,857
ISHARES TR CORE MSCI EURO 46434V738 8,845 214,014 SH   SOLE   0 0 214,014
VANGUARD INDEX FDS SM CP VAL ETF 922908611 30,228 265,016 SH   SOLE   0 0 265,016
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 26,135 898,103 SH   SOLE   0 0 898,103
JOHNSON & JOHNSON COM 478160104 2,568 19,897 SH   SOLE   0 0 19,897
WISDOMTREE TR INTL SMCAP DIV 97717W760 525 8,710 SH   SOLE   0 0 8,710
ISHARES INC MSCI JPN ETF NEW 46434G822 546 10,780 SH   SOLE   0 0 10,780
ISHARES TR EUROPE ETF 464287861 424 10,847 SH   SOLE   0 0 10,847