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
ABBOTT LABS COM 002824100 BBG001S5N9M6 210,929 1,935 SH   SOLE   0 0 1,935
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 1,054,227 7,825 SH   SOLE   0 0 7,825
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 6,027,217 19,532 SH   SOLE   0 0 19,532
AMAZON COM INC COM 023135106 BBG001S5PQL7 397,988 3,053 SH   SOLE   0 0 3,053
APPLE INC COM 037833100 BBG001S5N8V8 2,471,768 12,743 SH   SOLE   0 0 12,743
CISCO SYS INC COM 17275R102 BBG001S6HC62 296,978 5,740 SH   SOLE   0 0 5,740
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 BBG008229899 18,547,537 739,240 SH   SOLE   0 0 739,240
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 11,939,871 262,877 SH   SOLE   0 0 262,877
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 BBG00B0SKXY1 59,802,292 685,021 SH   SOLE   0 0 685,021
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 394,906 1,224 SH   SOLE   0 0 1,224
HOME DEPOT INC COM 437076102 BBG001S5RTW7 555,418 1,788 SH   SOLE   0 0 1,788
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 475,709 13,073 SH   SOLE   0 0 13,073
ISHARES TR CORE HIGH DV ETF 46429B663 BBG001V0XLT8 262,860 2,608 SH   SOLE   0 0 2,608
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 9,775,680 37,386 SH   SOLE   0 0 37,386
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,150,668 11,547 SH   SOLE   0 0 11,547
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 18,178,990 40,787 SH   SOLE   0 0 40,787
ISHARES TR MSCI INDIA ETF 46429B598 BBG002DMN4B6 529,513 12,117 SH   SOLE   0 0 12,117
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 2,569,139 10,541 SH   SOLE   0 0 10,541
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 941,294 3,421 SH   SOLE   0 0 3,421
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 369,322 2,340 SH   SOLE   0 0 2,340
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 223,524 2,035 SH   SOLE   0 0 2,035
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 1,372,273 7,328 SH   SOLE   0 0 7,328
ISHARES TR U.S. MED DVC ETF 464288810 BBG001SQZT52 474,264 8,400 SH   SOLE   0 0 8,400
ISHARES TR US HOME CONS ETF 464288752 BBG001SQZTR8 715,304 8,372 SH   SOLE   0 0 8,372
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 572,645 3,460 SH   SOLE   0 0 3,460
LPL FINL HLDGS INC COM 50212V100 BBG001T5GK39 333,103 1,532 SH   SOLE   0 0 1,532
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,864,123 5,474 SH   SOLE   0 0 5,474
ORACLE CORP COM 68389X105 BBG001S5SJG6 325,163 2,730 SH   SOLE   0 0 2,730
PFIZER INC COM 717081103 BBG001S5V466 410,075 11,180 SH   SOLE   0 0 11,180
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 290,349 1,913 SH   SOLE   0 0 1,913
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 37,198,791 1,043,444 SH   SOLE   0 0 1,043,444
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 BBG0051NXNX3 25,063,196 496,793 SH   SOLE   0 0 496,793
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 1,533,632 29,285 SH   SOLE   0 0 29,285
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 4,879,708 36,764 SH   SOLE   0 0 36,764
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 2,244,256 51,950 SH   SOLE   0 0 51,950
STRYKER CORPORATION COM 863667101 BBG001S8FR03 286,084 938 SH   SOLE   0 0 938
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 554,197 7,624 SH   SOLE   0 0 7,624
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 9,377,635 46,259 SH   SOLE   0 0 46,259
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 34,119,487 154,976 SH   SOLE   0 0 154,976
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 397,653 4,759 SH   SOLE   0 0 4,759
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 14,969,992 36,756 SH   SOLE   0 0 36,756
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 514,896 2,589 SH   SOLE   0 0 2,589
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,743,762 42,865 SH   SOLE   0 0 42,865
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 3,225,788 19,860 SH   SOLE   0 0 19,860
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 34,939,767 756,600 SH   SOLE   0 0 756,600
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 BBG001SHVR32 235,974 964 SH   SOLE   0 0 964
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 913,476 2,066 SH   SOLE   0 0 2,066
VENTAS INC COM 92276F100 BBG001S9T7M6 240,888 5,096 SH   SOLE   0 0 5,096
WILLIS TOWERS WATSON PLC LTD SHS G96629103 BBG001SHY2Q9 362,796 1,541 SH   SOLE   0 0 1,541