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
Estimated average burden
hours per response: 23.8
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
DBX ETF TR XTRACK USD HIGH 233051432 30,543 653,320 SH   SOLE   0 0 653,320
FIDELITY COVINGTON TR MSCI RL EST ETF 316092857 2,319 99,174 SH   SOLE   0 0 99,174
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 39,554 1,487,535 SH   SOLE   0 0 1,487,535
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 44,479 1,468,439 SH   SOLE   0 0 1,468,439
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 93,929 1,500,479 SH   SOLE   0 0 1,500,479
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 30,803 1,150,237 SH   SOLE   0 0 1,150,237
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 856 49,500 SH   SOLE   0 0 49,500
ISHARES INC CORE MSCI EMKT 46434G103 31,822 668,509 SH   SOLE   0 0 668,509
ISHARES INC ESG MSCI EM ETF 46434G863 481 14,990 SH   SOLE   0 0 14,990
ISHARES TR CRE U S REIT ETF 464288521 2,005 46,119 SH   SOLE   0 0 46,119
ISHARES TR EAFE GRWTH ETF 464288885 698 8,394 SH   SOLE   0 0 8,394
ISHARES TR ESG MSCI USA ETF 46435G425 964 13,771 SH   SOLE   0 0 13,771
ISHARES TR RUSSELL 2000 ETF 464287655 517 3,610 SH   SOLE   0 0 3,610
ISHARES TR U.S. MED DVC ETF 464288810 236 890 SH   SOLE   0 0 890
ISHARES TR IBOXX HI YD ETF 464288513 766 9,389 SH   SOLE   0 0 9,389
ISHARES TR NATIONAL MUN ETF 464288414 467 4,044 SH   SOLE   0 0 4,044
ISHARES TR RUS 1000 ETF 464287622 2,637 15,363 SH   SOLE   0 0 15,363
ISHARES TR 1 3 YR TREAS BD 464287457 3,705 42,782 SH   SOLE   0 0 42,782
ISHARES TR CORE US AGGBD ET 464287226 168,499 1,425,437 SH   SOLE   0 0 1,425,437
ISHARES TR SH TR CRPORT ETF 464288646 849 15,515 SH   SOLE   0 0 15,515
ISHARES TR 0-5YR HI YL CP 46434V407 561 13,089 SH   SOLE   0 0 13,089
ISHARES TR US TREAS BD ETF 46429B267 1,515 54,118 SH   SOLE   0 0 54,118
ISHARES TR MSCI MIN VOL ETF 46429B697 237 3,916 SH   SOLE   0 0 3,916
ISHARES TR GLOBAL TECH ETF 464287291 286 1,215 SH   SOLE   0 0 1,215
ISHARES TR JPMORGAN USD EMG 464288281 7,853 71,898 SH   SOLE   0 0 71,898
ISHARES TR CORE S&P SCP ETF 464287804 20,251 296,550 SH   SOLE   0 0 296,550
ISHARES TR CORE S&P TTL STK 464287150 158,145 2,277,455 SH   SOLE   0 0 2,277,455
ISHARES TR MULTIFACTOR INTL 46434V274 686 29,923 SH   SOLE   0 0 29,923
ISHARES TR EDGE MSCI USA VL 46432F388 398 5,513 SH   SOLE   0 0 5,513
ISHARES TR IBOXX INV CP ETF 464287242 1,640 12,196 SH   SOLE   0 0 12,196
ISHARES TR TIPS BD ETF 464287176 3,035 24,677 SH   SOLE   0 0 24,677
ISHARES TR CORE MSCI EAFE 46432F842 32,431 567,348 SH   SOLE   0 0 567,348
ISHARES TR CORE S&P500 ETF 464287200 1,907 6,157 SH   SOLE   0 0 6,157
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 337 6,729 SH   SOLE   0 0 6,729
SCHWAB STRATEGIC TR US REIT ETF 808524847 434 12,314 SH   SOLE   0 0 12,314
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,163 139,937 SH   SOLE   0 0 139,937
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,288 176,093 SH   SOLE   0 0 176,093
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,522 62,629 SH   SOLE   0 0 62,629
SCHWAB STRATEGIC TR US TIPS ETF 808524870 678 11,304 SH   SOLE   0 0 11,304
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 905 12,208 SH   SOLE   0 0 12,208
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,904 94,492 SH   SOLE   0 0 94,492
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 834 16,148 SH   SOLE   0 0 16,148
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 12,137 439,439 SH   SOLE   0 0 439,439
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 12,037 359,742 SH   SOLE   0 0 359,742
SPDR SER TR PORTFOLIO SH TSR 78468R101 3,956 128,762 SH   SOLE   0 0 128,762
SPDR SER TR PORTFLI TIPS ETF 78464A656 2,002 66,428 SH   SOLE   0 0 66,428
SPDR SER TR PORTFOLIO AGRGTE 78464A649 12,171 394,380 SH   SOLE   0 0 394,380
SPDR SER TR PORTFOLI S&P1500 78464A805 19,796 523,983 SH   SOLE   0 0 523,983
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 626 7,089 SH   SOLE   0 0 7,089
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,814 21,828 SH   SOLE   0 0 21,828
VANGUARD BD INDEX FDS INTERMED TERM 921937819 981 10,523 SH   SOLE   0 0 10,523
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 1,039 9,302 SH   SOLE   0 0 9,302
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 2,090 36,204 SH   SOLE   0 0 36,204
VANGUARD INDEX FDS MID CAP ETF 922908629 850 5,187 SH   SOLE   0 0 5,187
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,658 12,905 SH   SOLE   0 0 12,905
VANGUARD INDEX FDS SMALL CP ETF 922908751 437 2,998 SH   SOLE   0 0 2,998
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 114,154 964,640 SH   SOLE   0 0 964,640
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,167 8,162 SH   SOLE   0 0 8,162
VANGUARD INDEX FDS TOTAL STK MKT 922908769 8,854 56,786 SH   SOLE   0 0 56,786
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,722 144,628 SH   SOLE   0 0 144,628
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 16,190 195,867 SH   SOLE   0 0 195,867
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 1,103 20,294 SH   SOLE   0 0 20,294
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 7,377 190,314 SH   SOLE   0 0 190,314