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
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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 85,521 3,403,132 SH   SOLE   0 0 3,403,132
ISHARES TR SHRT NAT MUN ETF 464288158 5,339 50,116 SH   SOLE   0 0 50,116
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 142,201 2,652,518 SH   SOLE   0 0 2,652,518
GENUINE PARTS CO COM 372460105 4,834 48,539 SH   SOLE   0 0 48,539
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 9,446 176,165 SH   SOLE   0 0 176,165
ISHARES TR SH TR CRPORT ETF 464288646 18,807 350,419 SH   SOLE   0 0 350,419
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 57,274 1,953,410 SH   SOLE   0 0 1,953,410
ISHARES TR CORE MSCI PAC 46434V696 4,264 75,865 SH   SOLE   0 0 75,865
AT&T INC COM 00206R102 265 7,010 SH   SOLE   0 0 7,010
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 527 7,562 SH   SOLE   0 0 7,562
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 1,246 22,433 SH   SOLE   0 0 22,433
CINCINNATI FINL CORP COM 172062101 6,074 52,061 SH   SOLE   0 0 52,061
VANGUARD INDEX FDS GROWTH ETF 922908736 9,237 55,553 SH   SOLE   0 0 55,553
PRICE T ROWE GROUP INC COM 74144T108 5,395 47,223 SH   SOLE   0 0 47,223
ARCHER DANIELS MIDLAND CO COM 039483102 4,751 115,675 SH   SOLE   0 0 115,675
DOVER CORP COM 260003108 5,596 56,203 SH   SOLE   0 0 56,203
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 1,636 25,392 SH   SOLE   0 0 25,392
ISHARES TR JPMORGAN USD EMG 464288281 44,218 390,099 SH   SOLE   0 0 390,099
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475 200 5,014 SH   SOLE   0 0 5,014
ISHARES TR CORE S&P SCP ETF 464287804 331 4,258 SH   SOLE   0 0 4,258
ISHARES TR BARCLAYS 7 10 YR 464287440 41,387 367,986 SH   SOLE   0 0 367,986
VANGUARD INDEX FDS VALUE ETF 922908744 5,929 53,117 SH   SOLE   0 0 53,117
ISHARES INC CORE MSCI EMKT 46434G103 498 10,167 SH   SOLE   0 0 10,167
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 633 12,687 SH   SOLE   0 0 12,687
FRANKLIN RES INC COM 354613101 4,715 163,391 SH   SOLE   0 0 163,391
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 3,113 50,809 SH   SOLE   0 0 50,809
VANGUARD INDEX FDS SML CP GRW ETF 922908595 42,939 235,877 SH   SOLE   0 0 235,877
ISHARES TR 3 7 YR TREAS BD 464288661 76,296 601,707 SH   SOLE   0 0 601,707
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 139,732 1,663,277 SH   SOLE   0 0 1,663,277
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 2,940 49,341 SH   SOLE   0 0 49,341
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 949 29,800 SH   SOLE   0 0 29,800
ISHARES TR RUS 1000 VAL ETF 464287598 39,013 304,170 SH   SOLE   0 0 304,170
ISHARES TR IBOXX INV CP ETF 464287242 320 2,509 SH   SOLE   0 0 2,509
ILLINOIS TOOL WKS INC COM 452308109 5,490 35,083 SH   SOLE   0 0 35,083
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 118,844 2,231,399 SH   SOLE   0 0 2,231,399
AUTOMATIC DATA PROCESSING IN COM 053015103 5,239 32,455 SH   SOLE   0 0 32,455
PROGRESSIVE CORP OHIO COM 743315103 941 12,185 SH   SOLE   0 0 12,185
WALGREENS BOOTS ALLIANCE INC COM 931427108 4,708 85,122 SH   SOLE   0 0 85,122
DBX ETF TR XTRACK USD HIGH 233051432 245 4,895 SH   SOLE   0 0 4,895
ISHARES TR CORE US AGGBD ET 464287226 2,235 19,752 SH   SOLE   0 0 19,752
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 469 5,823 SH   SOLE   0 0 5,823
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,110 7,353 SH   SOLE   0 0 7,353
ISHARES TR S&P 500 GRWT ETF 464287309 1,397 7,762 SH   SOLE   0 0 7,762
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 4,801 47,090 SH   SOLE   0 0 47,090
ISHARES TR INTRM TR CRP ETF 464288638 480 8,293 SH   SOLE   0 0 8,293
ISHARES TR IBONDS DEC21 ETF 46434VBK5 760 30,396 SH   SOLE   0 0 30,396
ISHARES INC MIN VOL EMRG MKT 464286533 493 8,639 SH   SOLE   0 0 8,639
3M CO COM 88579Y101 4,553 27,694 SH   SOLE   0 0 27,694
ISHARES TR S&P MC 400GR ETF 464287606 323 1,441 SH   SOLE   0 0 1,441
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 106,747 1,616,154 SH   SOLE   0 0 1,616,154
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 32,407 399,840 SH   SOLE   0 0 399,840
ISHARES TR CORE MSCI EAFE 46432F842 1,683 27,553 SH   SOLE   0 0 27,553
ISHARES TR RUS 1000 GRW ETF 464287614 53,570 335,589 SH   SOLE   0 0 335,589
ISHARES TR CORE S&P MCP ETF 464287507 250 1,296 SH   SOLE   0 0 1,296
CONSOLIDATED EDISON INC COM 209115104 5,504 58,264 SH   SOLE   0 0 58,264
ISHARES TR S&P 500 VAL ETF 464287408 1,247 10,466 SH   SOLE   0 0 10,466
ISHARES TR MSCI ACWI ETF 464288257 1,293 17,530 SH   SOLE   0 0 17,530
GENERAL DYNAMICS CORP COM 369550108 5,198 28,446 SH   SOLE   0 0 28,446
ISHARES TR S&P MC 400VL ETF 464287705 347 2,172 SH   SOLE   0 0 2,172
MCDONALDS CORP COM 580135101 5,531 25,758 SH   SOLE   0 0 25,758
ISHARES TR MBS ETF 464288588 646 5,960 SH   SOLE   0 0 5,960
CLOROX CO DEL COM 189054109 4,838 31,856 SH   SOLE   0 0 31,856
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,905 47,315 SH   SOLE   0 0 47,315
ISHARES TR CORE S&P500 ETF 464287200 442 1,479 SH   SOLE   0 0 1,479
AFLAC INC COM 001055102 5,107 97,604 SH   SOLE   0 0 97,604
ISHARES TR EUROPE ETF 464287861 226 5,215 SH   SOLE   0 0 5,215
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 131,973 2,326,340 SH   SOLE   0 0 2,326,340
ISHARES TR CORE MSCI EURO 46434V738 9,041 197,656 SH   SOLE   0 0 197,656
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 256 4,536 SH   SOLE   0 0 4,536
VANGUARD INDEX FDS SM CP VAL ETF 922908611 40,668 315,620 SH   SOLE   0 0 315,620
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 37,677 1,184,799 SH   SOLE   0 0 1,184,799