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
AMERICAN TOWER CORP NEW COM 03027X100 360 1,654 SH   SOLE   0 0 1,654
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 76,904 3,716,953 SH   SOLE   0 0 3,716,953
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 2,048 45,471 SH   SOLE   0 0 45,471
ISHARES TR SHRT NAT MUN ETF 464288158 7,948 74,767 SH   SOLE   0 0 74,767
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,140 18,156 SH   SOLE   0 0 18,156
SPDR S&P 500 ETF TR TR UNIT 78462F103 229 889 SH   SOLE   0 0 889
ADOBE INC COM 00724F101 325 1,020 SH   SOLE   0 0 1,020
ISHARES TR SH TR CRPORT ETF 464288646 19,857 379,242 SH   SOLE   0 0 379,242
COSTCO WHSL CORP NEW COM 22160K105 357 1,252 SH   SOLE   0 0 1,252
ISHARES TR TIPS BD ETF 464287176 475 4,029 SH   SOLE   0 0 4,029
PEPSICO INC COM 713448108 307 2,552 SH   SOLE   0 0 2,552
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 301 9,038 SH   SOLE   0 0 9,038
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 125,845 2,907,698 SH   SOLE   0 0 2,907,698
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 9,542 180,376 SH   SOLE   0 0 180,376
SPDR SER TR BLOOMBERG BRCLYS 78468R622 459 4,844 SH   SOLE   0 0 4,844
ISHARES TR CORE MSCI PAC 46434V696 10,502 226,535 SH   SOLE   0 0 226,535
QUALCOMM INC COM 747525103 267 3,944 SH   SOLE   0 0 3,944
TARGET CORP COM 87612E106 291 3,133 SH   SOLE   0 0 3,133
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 57,005 2,253,147 SH   SOLE   0 0 2,253,147
AMAZON COM INC COM 023135106 1,028 527 SH   SOLE   0 0 527
AT&T INC COM 00206R102 795 27,286 SH   SOLE   0 0 27,286
UNION PAC CORP COM 907818108 274 1,944 SH   SOLE   0 0 1,944
MERCK & CO. INC COM 58933Y105 304 3,948 SH   SOLE   0 0 3,948
TEXAS INSTRS INC COM 882508104 283 2,835 SH   SOLE   0 0 2,835
PRICE T ROWE GROUP INC COM 74144T108 5,287 54,138 SH   SOLE   0 0 54,138
VANGUARD INDEX FDS GROWTH ETF 922908736 14,461 92,290 SH   SOLE   0 0 92,290
ARCHER DANIELS MIDLAND CO COM 039483102 4,947 140,624 SH   SOLE   0 0 140,624
INTEL CORP COM 458140100 394 7,288 SH   SOLE   0 0 7,288
HORMEL FOODS CORP COM 440452100 6,562 140,698 SH   SOLE   0 0 140,698
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 2,117 40,505 SH   SOLE   0 0 40,505
ISHARES TR JPMORGAN USD EMG 464288281 43,635 451,339 SH   SOLE   0 0 451,339
WALMART INC COM 931142103 480 4,226 SH   SOLE   0 0 4,226
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 353 7,393 SH   SOLE   0 0 7,393
ISHARES TR SP SMCP600VL ETF 464287879 449 4,494 SH   SOLE   0 0 4,494
ISHARES TR US TREAS BD ETF 46429B267 3,919 139,919 SH   SOLE   0 0 139,919
JPMORGAN CHASE & CO COM 46625H100 478 5,306 SH   SOLE   0 0 5,306
SPDR SER TR S&P 600 SMCP GRW 78464A201 3,252 70,416 SH   SOLE   0 0 70,416
COMCAST CORP NEW CL A 20030N101 464 13,503 SH   SOLE   0 0 13,503
SPDR SER TR S&P 600 SMCP VAL 78464A300 4,400 107,695 SH   SOLE   0 0 107,695
ISHARES TR CORE S&P SCP ETF 464287804 240 4,278 SH   SOLE   0 0 4,278
EQUINIX INC COM 29444U700 263 421 SH   SOLE   0 0 421
CISCO SYS INC COM 17275R102 410 10,425 SH   SOLE   0 0 10,425
ISHARES INC CORE MSCI EMKT 46434G103 437 10,803 SH   SOLE   0 0 10,803
PROCTER & GAMBLE CO COM 742718109 493 4,478 SH   SOLE   0 0 4,478
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 517 12,593 SH   SOLE   0 0 12,593
ISHARES TR BARCLAYS 7 10 YR 464287440 51,695 425,543 SH   SOLE   0 0 425,543
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 441 2,411 SH   SOLE   0 0 2,411
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 286 1,471 SH   SOLE   0 0 1,471
EATON CORP PLC SHS G29183103 286 3,677 SH   SOLE   0 0 3,677
ZEBRA TECHNOLOGIES CORP CL A 989207105 227 1,235 SH   SOLE   0 0 1,235
VANGUARD INDEX FDS VALUE ETF 922908744 19,556 219,583 SH   SOLE   0 0 219,583
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 151,144 1,897,598 SH   SOLE   0 0 1,897,598
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,629 23,319 SH   SOLE   0 0 23,319
SAP SE SPON ADR 803054204 337 3,053 SH   SOLE   0 0 3,053
VISA INC COM CL A 92826C839 806 5,005 SH   SOLE   0 0 5,005
ISHARES TR IBOXX INV CP ETF 464287242 279 2,256 SH   SOLE   0 0 2,256
VANGUARD INDEX FDS SML CP GRW ETF 922908595 39,969 265,931 SH   SOLE   0 0 265,931
KIMBERLY CLARK CORP COM 494368103 376 2,942 SH   SOLE   0 0 2,942
MONDELEZ INTL INC CL A 609207105 350 6,988 SH   SOLE   0 0 6,988
ISHARES TR 3 7 YR TREAS BD 464288661 82,053 615,367 SH   SOLE   0 0 615,367
ISHARES TR RUS 1000 VAL ETF 464287598 28,843 290,813 SH   SOLE   0 0 290,813
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 137,381 2,520,749 SH   SOLE   0 0 2,520,749
PROGRESSIVE CORP OHIO COM 743315103 873 11,819 SH   SOLE   0 0 11,819
AUTOMATIC DATA PROCESSING IN COM 053015103 5,220 38,191 SH   SOLE   0 0 38,191
ISHARES INC MSCI WORLD ETF 464286392 339 4,355 SH   SOLE   0 0 4,355
WALGREENS BOOTS ALLIANCE INC COM 931427108 5,064 110,697 SH   SOLE   0 0 110,697
FACEBOOK INC CL A 30303M102 692 4,148 SH   SOLE   0 0 4,148
DBX ETF TR XTRACK USD HIGH 233051432 582 13,195 SH   SOLE   0 0 13,195
ILLINOIS TOOL WKS INC COM 452308109 5,403 38,015 SH   SOLE   0 0 38,015
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 510 5,979 SH   SOLE   0 0 5,979
SALESFORCE COM INC COM 79466L302 254 1,767 SH   SOLE   0 0 1,767
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,002 7,771 SH   SOLE   0 0 7,771
SMITH A O CORP COM 831865209 5,121 135,428 SH   SOLE   0 0 135,428
ISHARES TR IBOXX HI YD ETF 464288513 1,153 14,964 SH   SOLE   0 0 14,964
ISHARES TR CORE US AGGBD ET 464287226 1,915 16,602 SH   SOLE   0 0 16,602
CHUBB LIMITED COM H1467J104 4,589 41,087 SH   SOLE   0 0 41,087
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 5,239 66,953 SH   SOLE   0 0 66,953
ISHARES TR INTRM TR CRP ETF 464288638 2,174 39,581 SH   SOLE   0 0 39,581
FRANKLIN RESOURCES INC COM 354613101 4,045 242,356 SH   SOLE   0 0 242,356
AMGEN INC COM 031162100 429 2,114 SH   SOLE   0 0 2,114
ISHARES TR S&P MC 400GR ETF 464287606 212 1,191 SH   SOLE   0 0 1,191
INVESCO QQQ TR UNIT SER 1 46090E103 3,270 17,176 SH   SOLE   0 0 17,176
UNITEDHEALTH GROUP INC COM 91324P102 831 3,334 SH   SOLE   0 0 3,334
INTERNATIONAL BUSINESS MACHS COM 459200101 425 3,828 SH   SOLE   0 0 3,828
3M CO COM 88579Y101 5,169 37,863 SH   SOLE   0 0 37,863
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 34,193 432,279 SH   SOLE   0 0 432,279
ISHARES TR S&P 500 GRWT ETF 464287309 1,204 7,295 SH   SOLE   0 0 7,295
VERIZON COMMUNICATIONS INC COM 92343V104 648 12,060 SH   SOLE   0 0 12,060
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 98,424 1,784,331 SH   SOLE   0 0 1,784,331
ISHARES TR CORE MSCI EAFE 46432F842 1,256 25,174 SH   SOLE   0 0 25,174
ISHARES TR CORE S&P MCP ETF 464287507 223 1,553 SH   SOLE   0 0 1,553
MICROSOFT CORP COM 594918104 1,342 8,510 SH   SOLE   0 0 8,510
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 964 85,704 SH   SOLE   0 0 85,704
ISHARES TR S&P 500 VAL ETF 464287408 898 9,328 SH   SOLE   0 0 9,328
ISHARES TR RUSSELL 2000 ETF 464287655 2,009 17,552 SH   SOLE   0 0 17,552
ISHARES TR RUS 1000 ETF 464287622 865 6,109 SH   SOLE   0 0 6,109
ISHARES TR RUS MID CAP ETF 464287499 3,259 75,487 SH   SOLE   0 0 75,487
DOMINION ENERGY INC COM 25746U109 228 3,158 SH   SOLE   0 0 3,158
ISHARES TR MSCI ACWI ETF 464288257 1,548 24,734 SH   SOLE   0 0 24,734
10X GENOMICS INC CL A COM 88025U109 2,162 34,698 SH   SOLE   0 0 34,698
ISHARES TR RUS 1000 GRW ETF 464287614 44,496 295,359 SH   SOLE   0 0 295,359
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 508 7,218 SH   SOLE   0 0 7,218
CONSOLIDATED EDISON INC COM 209115104 5,444 69,796 SH   SOLE   0 0 69,796
MCDONALDS CORP COM 580135101 5,488 33,190 SH   SOLE   0 0 33,190
NOVARTIS A G SPONSORED ADR 66987V109 464 5,629 SH   SOLE   0 0 5,629
GENERAL DYNAMICS CORP COM 369550108 4,699 35,518 SH   SOLE   0 0 35,518
ISHARES TR MBS ETF 464288588 2,075 18,792 SH   SOLE   0 0 18,792
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 3,117 64,282 SH   SOLE   0 0 64,282
ALPHABET INC CAP STK CL A 02079K305 514 442 SH   SOLE   0 0 442
ALPHABET INC CAP STK CL C 02079K107 524 451 SH   SOLE   0 0 451
CLOROX CO DEL COM 189054109 6,733 38,863 SH   SOLE   0 0 38,863
ISHARES TR 20 YR TR BD ETF 464287432 1,447 8,769 SH   SOLE   0 0 8,769
ISHARES TR BROAD USD HIGH 46435U853 275 7,734 SH   SOLE   0 0 7,734
RELX PLC SPONSORED ADR 759530108 205 9,563 SH   SOLE   0 0 9,563
ISHARES TR MSCI EAFE ETF 464287465 1,399 26,173 SH   SOLE   0 0 26,173
SPDR SER TR NUVEEN BLMBRG SR 78468R739 1,496 30,600 SH   SOLE   0 0 30,600
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 12,154 362,261 SH   SOLE   0 0 362,261
SPDR SER TR DJ REIT ETF 78464A607 243 3,370 SH   SOLE   0 0 3,370
ISHARES TR EAFE GRWTH ETF 464288885 973 13,678 SH   SOLE   0 0 13,678
MEDTRONIC PLC SHS G5960L103 395 4,380 SH   SOLE   0 0 4,380
ISHARES TR U.S. REAL ES ETF 464287739 244 3,506 SH   SOLE   0 0 3,506
ISHARES TR CORE S&P500 ETF 464287200 1,218 4,715 SH   SOLE   0 0 4,715
AFLAC INC COM 001055102 4,204 122,794 SH   SOLE   0 0 122,794
PAYPAL HLDGS INC COM 70450Y103 206 2,157 SH   SOLE   0 0 2,157
ISHARES TR 0-5YR HI YL CP 46434V407 1,385 33,894 SH   SOLE   0 0 33,894
CROWN CASTLE INTL CORP NEW COM 22822V101 217 1,504 SH   SOLE   0 0 1,504
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 112,273 2,536,087 SH   SOLE   0 0 2,536,087
ISHARES TR CORE MSCI EURO 46434V738 19,054 513,871 SH   SOLE   0 0 513,871
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 34,793 1,425,937 SH   SOLE   0 0 1,425,937
VANGUARD INDEX FDS SM CP VAL ETF 922908611 33,182 373,673 SH   SOLE   0 0 373,673
JOHNSON & JOHNSON COM 478160104 555 4,234 SH   SOLE   0 0 4,234
AIR PRODS & CHEMS INC COM 009158106 469 2,352 SH   SOLE   0 0 2,352
KINDER MORGAN INC DEL COM 49456B101 180 12,916 SH   SOLE   0 0 12,916