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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 BBG001S5N8V8 1,292,126 6,661 SH   SOLE   6,661 0 0
FIDELITY MERRIMACK STR TR LTD TRM BD ETF 316188200 BBG0078XLZ93 935,364 19,484 SH   SOLE   19,484 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 13,110,474 288,649 SH   SOLE   288,649 0 0
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 BBG006H1W526 2,656,159 52,147 SH   SOLE   52,147 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 BBG001SDTVQ0 13,403,089 741,417 SH   SOLE   741,417 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 15,602,675 161,518 SH   SOLE   161,518 0 0
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 355,955 6,519 SH   SOLE   6,519 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 BBG001V1QYX1 4,445,772 87,480 SH   SOLE   87,480 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 887,772 24,937 SH   SOLE   24,937 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 9,752,663 131,209 SH   SOLE   131,209 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 838,878 6,219 SH   SOLE   6,219 0 0
ISHARES TR MSCI USA SMCP MN 46435G433 BBG00DRM2VW7 10,182,767 297,046 SH   SOLE   297,046 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 402,371 3,770 SH   SOLE   3,770 0 0
LIFEVANTAGE CORP COM NEW 53222K205 BBG001S6TDX7 416,567 2,931 SH   SOLE   2,931 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 2,629,354 73,754 SH   SOLE   73,754 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 18,712,373 257,675 SH   SOLE   257,675 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 243,980 3,255 SH   SOLE   3,255 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 238,718 3,558 SH   SOLE   3,558 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 6,220,600 318,515 SH   SOLE   318,515 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 9,628,196 183,369 SH   SOLE   183,369 0 0
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855 BBG001SRXRM7 7,209,014 135,076 SH   SOLE   135,076 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359 BBG001T2PMD1 1,321,453 18,891 SH   SOLE   18,891 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 BBG001SRSPW6 719,376 15,584 SH   SOLE   15,584 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 1,472,591 31,298 SH   SOLE   31,298 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284 BBG001V11QG4 706,690 28,256 SH   SOLE   28,256 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 1,858,304 40,494 SH   SOLE   40,494 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 688,391 17,723 SH   SOLE   17,723 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 15,676,534 224,410 SH   SOLE   224,410 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 503,497 11,655 SH   SOLE   11,655 0 0
SPDR SER TR S&P KENSHO FUTRE 78468R671 BBG00JHP62Q5 243,757 4,988 SH   SOLE   4,988 0 0
SPDR SER TR SSGA US LRG ETF 78468R804 BBG0045LC1R4 204,283 1,452 SH   SOLE   1,452 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 990,912 2,433 SH   SOLE   2,433 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 924,163 19,488 SH   SOLE   19,488 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 BBG007PB9N20 1,378,285 49,312 SH   SOLE   49,312 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 BBG005YHYNG8 5,109,607 101,542 SH   SOLE   101,542 0 0
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 BBG006G0J5J6 8,787,509 218,758 SH   SOLE   218,758 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 BBG004LMH3Z6 12,187,571 182,831 SH   SOLE   182,831 0 0