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 78,202 3,006,596 SH   SOLE   0 0 3,006,596
ISHARES TR SHRT NAT MUN ETF 464288158 5,184 48,905 SH   SOLE   0 0 48,905
VANGUARD INDEX FDS LARGE CAP ETF 922908637 204 1,575 SH   SOLE   0 0 1,575
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 121,282 2,262,299 SH   SOLE   0 0 2,262,299
ISHARES TR SH TR CRPORT ETF 464288646 20,228 382,957 SH   SOLE   0 0 382,957
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 7,582 145,395 SH   SOLE   0 0 145,395
GENUINE PARTS CO COM 372460105 4,136 36,915 SH   SOLE   0 0 36,915
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 50,465 1,755,297 SH   SOLE   0 0 1,755,297
APPLE INC COM 037833100 220 1,158 SH   SOLE   0 0 1,158
ISHARES TR CORE MSCI PAC 46434V696 4,480 80,524 SH   SOLE   0 0 80,524
AT&T INC COM 00206R102 215 6,864 SH   SOLE   0 0 6,864
VANGUARD INDEX FDS GROWTH ETF 922908736 8,896 56,871 SH   SOLE   0 0 56,871
CINCINNATI FINL CORP COM 172062101 4,101 47,743 SH   SOLE   0 0 47,743
ARCHER DANIELS MIDLAND CO COM 039483102 3,690 85,565 SH   SOLE   0 0 85,565
PRICE T ROWE GROUP INC COM 74144T108 3,809 38,049 SH   SOLE   0 0 38,049
DOVER CORP COM 260003108 4,312 45,973 SH   SOLE   0 0 45,973
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 1,834 29,218 SH   SOLE   0 0 29,218
ISHARES TR JPMORGAN USD EMG 464288281 40,608 368,966 SH   SOLE   0 0 368,966
ISHARES TR CORE S&P SCP ETF 464287804 299 3,875 SH   SOLE   0 0 3,875
CISCO SYS INC COM 17275R102 208 3,861 SH   SOLE   0 0 3,861
ISHARES INC CORE MSCI EMKT 46434G103 459 8,872 SH   SOLE   0 0 8,872
ISHARES TR BARCLAYS 7 10 YR 464287440 32,428 304,003 SH   SOLE   0 0 304,003
VANGUARD INDEX FDS VALUE ETF 922908744 5,887 54,694 SH   SOLE   0 0 54,694
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 632 12,593 SH   SOLE   0 0 12,593
FRANKLIN RES INC COM 354613101 4,109 123,981 SH   SOLE   0 0 123,981
SPDR SERIES TRUST S&P BK ETF 78464A797 282 6,745 SH   SOLE   0 0 6,745
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 3,212 53,267 SH   SOLE   0 0 53,267
VANGUARD INDEX FDS SML CP GRW ETF 922908595 39,779 221,340 SH   SOLE   0 0 221,340
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 114,872 1,446,205 SH   SOLE   0 0 1,446,205
ISHARES TR RUS 1000 VAL ETF 464287598 39,726 321,698 SH   SOLE   0 0 321,698
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 2,868 48,032 SH   SOLE   0 0 48,032
ISHARES TR 3 7 YR TREAS BD 464288661 69,337 562,799 SH   SOLE   0 0 562,799
ILLINOIS TOOL WKS INC COM 452308109 4,133 28,793 SH   SOLE   0 0 28,793
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 105,961 2,023,693 SH   SOLE   0 0 2,023,693
AUTOMATIC DATA PROCESSING IN COM 053015103 4,386 27,458 SH   SOLE   0 0 27,458
PROGRESSIVE CORP OHIO COM 743315103 878 12,185 SH   SOLE   0 0 12,185
WALGREENS BOOTS ALLIANCE INC COM 931427108 3,494 55,217 SH   SOLE   0 0 55,217
DBX ETF TR XTRACK USD HIGH 233051432 257 5,161 SH   SOLE   0 0 5,161
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 497 6,350 SH   SOLE   0 0 6,350
ISHARES TR CORE US AGGBD ET 464287226 1,882 17,251 SH   SOLE   0 0 17,251
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,064 7,353 SH   SOLE   0 0 7,353
ISHARES TR US AER DEF ETF 464288760 368 1,843 SH   SOLE   0 0 1,843
SPDR SERIES TRUST S&P REGL BKG 78464A698 258 5,029 SH   SOLE   0 0 5,029
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 5,133 49,294 SH   SOLE   0 0 49,294
ISHARES TR S&P 500 GRWT ETF 464287309 1,495 8,675 SH   SOLE   0 0 8,675
SPDR SERIES TRUST NYSE TECH ETF 78464A102 303 4,251 SH   SOLE   0 0 4,251
3M CO COM 88579Y101 3,975 19,130 SH   SOLE   0 0 19,130
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 30,147 377,966 SH   SOLE   0 0 377,966
ISHARES TR S&P MC 400GR ETF 464287606 330 1,508 SH   SOLE   0 0 1,508
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 90,310 1,371,241 SH   SOLE   0 0 1,371,241
ISHARES TR CORE MSCI EAFE 46432F842 1,588 26,124 SH   SOLE   0 0 26,124
ISHARES TR RUS 1000 GRW ETF 464287614 54,885 362,611 SH   SOLE   0 0 362,611
MICROSOFT CORP COM 594918104 267 2,263 SH   SOLE   0 0 2,263
CONSOLIDATED EDISON INC COM 209115104 3,992 47,069 SH   SOLE   0 0 47,069
ISHARES TR S&P 500 VAL ETF 464287408 1,265 11,220 SH   SOLE   0 0 11,220
ISHARES TR MSCI ACWI ETF 464288257 394 5,458 SH   SOLE   0 0 5,458
ISHARES TR S&P MC 400VL ETF 464287705 345 2,200 SH   SOLE   0 0 2,200
GENERAL DYNAMICS CORP COM 369550108 3,791 22,394 SH   SOLE   0 0 22,394
MCDONALDS CORP COM 580135101 4,105 21,616 SH   SOLE   0 0 21,616
CLOROX CO DEL COM 189054109 4,014 25,017 SH   SOLE   0 0 25,017
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,100 49,420 SH   SOLE   0 0 49,420
SPDR SER TR NUVEEN BLMBRG SR 78468R739 720 14,846 SH   SOLE   0 0 14,846
ISHARES TR CORE S&P500 ETF 464287200 256 900 SH   SOLE   0 0 900
AFLAC INC COM 001055102 3,833 76,660 SH   SOLE   0 0 76,660
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 208 1,455 SH   SOLE   0 0 1,455
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 112,668 2,058,248 SH   SOLE   0 0 2,058,248
ISHARES TR CORE MSCI EURO 46434V738 9,476 206,580 SH   SOLE   0 0 206,580
ISHARES TR EUROPE ETF 464287861 226 5,215 SH   SOLE   0 0 5,215
JOHNSON & JOHNSON COM 478160104 206 1,474 SH   SOLE   0 0 1,474
VANGUARD INDEX FDS SM CP VAL ETF 922908611 36,371 282,539 SH   SOLE   0 0 282,539
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 32,450 1,006,186 SH   SOLE   0 0 1,006,186