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
INVESCO TR INVT GRADE MUNS COM CEF 46131M106 868 68,057 SH   SOLE   68,057 0 0
ISHARES GOLD TRUST ISHARES ETF 464285105 472 42,622 SH   SOLE   42,622 0 0
ISHARES TR CORE US AGG BD ETF ETF 464287226 2,670 24,707 SH   SOLE   24,707 0 0
ISHARES TR S&P 500 GRWT ETF ETF 464287309 1,043 8,565 SH   SOLE   8,565 0 0
ISHARES TR S&P 500 VAL ETF ETF 464287408 847 8,350 SH   SOLE   8,350 0 0
ISHARES TR CORE S&P MCP ETF ETF 464287507 31,320 189,426 SH   SOLE   189,426 0 0
ISHARES TR RUS 1000 VAL ETF ETF 464287598 41,740 372,577 SH   SOLE   372,577 0 0
ISHARES TR S&P MC 400GR ETF ETF 464287606 601 3,300 SH   SOLE   3,300 0 0
ISHARES TR RUS 1000 GRW ETF ETF 464287614 54,334 517,958 SH   SOLE   517,958 0 0
ISHARES TR S&P MC 400VL ETF ETF 464287705 549 3,780 SH   SOLE   3,780 0 0
ISHARES TR EUROPE ETF ETF 464287861 854 21,994 SH   SOLE   21,994 0 0
ISHARES TR SP SMCP600VL ETF ETF 464287879 333 2,375 SH   SOLE   2,375 0 0
ISHARES TR SP SMCP600GR ETF ETF 464287887 438 2,921 SH   SOLE   2,921 0 0
ISHARES TR SHRT NAT MUN ETF ETF 464288158 1,583 15,067 SH   SOLE   15,067 0 0
ISHARES TR JP MOR EM MK ETF ETF 464288281 46,008 417,421 SH   SOLE   417,421 0 0
ISHARES TR 1-3 YR CR BD ETF ETF 464288646 71,912 685,267 SH   SOLE   685,267 0 0
ISHARES TR U.S. AER&DEF ETF ETF 464288760 12,570 89,455 SH   SOLE   89,455 0 0
ISHARES TR IBONDS SEP18 ETF ETF 46429B580 1,756 69,152 SH   SOLE   69,152 0 0
ISHARES TR MSCI INDIA ETF ETF 46429B598 11,846 441,857 SH   SOLE   441,857 0 0
ISHARES TR CORE MSCI EAFE ETF 46432F842 2,550 47,555 SH   SOLE   47,555 0 0
SPDR SERIES TRUST NUV HGHYLD MUN ETF 78464A284 873 15,595 SH   SOLE   15,595 0 0
SPDR SERIES TRUST S&P METALS MNG ETF 78464A755 12,146 399,405 SH   SOLE   399,405 0 0
SPDR SER TR NUVEEN BLMBRG SR ETF 78468R739 1,449 30,231 SH   SOLE   30,231 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF ETF 808524300 1,081 19,367 SH   SOLE   19,367 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF ETF 808524409 819 17,040 SH   SOLE   17,040 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF ETF 808524706 2,959 137,253 SH   SOLE   137,253 0 0
SCHWAB STRATEGIC TR US REIT ETF ETF 808524847 1,272 31,001 SH   SOLE   31,001 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF ETF 808524888 2,215 76,120 SH   SOLE   76,120 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR ETF 81369Y407 11,486 141,107 SH   SOLE   141,107 0 0
VANECK VECTORS ETF TR HIGH YLD MUN ETF ETF 92189F361 716 24,108 SH   SOLE   24,108 0 0
VANECK VECTORS ETF TR SHORT HIGH YIELD ETF 92189F387 238 9,997 SH   SOLE   9,997 0 0
VANECK VECTORS ETF TR FALLEN ANGEL HG ETF 92189F437 16,964 589,421 SH   SOLE   589,421 0 0
VANECK VECTORS ETF TR AMT FREE SHORT M ETF 92189F528 1,566 90,775 SH   SOLE   90,775 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF ETF 922042866 1,599 27,515 SH   SOLE   27,515 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF ETF 922042874 46,775 975,693 SH   SOLE   975,693 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD ETF 92206C409 22,552 284,140 SH   SOLE   284,140 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC ETF 92206C771 42,607 814,821 SH   SOLE   814,821 0 0
VANGUARD INDEX FDS SML CP GRW ETF ETF 922908595 38,980 292,774 SH   SOLE   292,774 0 0
VANGUARD INDEX FDS SM CP VAL ETF ETF 922908611 31,371 259,263 SH   SOLE   259,263 0 0
VANGUARD INDEX FDS LARGE CAP ETF ETF 922908637 46,035 449,691 SH   SOLE   449,691 0 0