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 948 70,677 SH   SOLE   70,677 0 0
ISHARES TR 1-3 YR CR BD ETF ETF 464288646 97,039 921,461 SH   SOLE   921,461 0 0
ISHARES TR CORE MSCI EAFE ETF 46432F842 3,312 54,387 SH   SOLE   54,387 0 0
ISHARES TR CORE S&P MCP ETF ETF 464287507 36,064 207,326 SH   SOLE   207,326 0 0
ISHARES TR CORE US AGG BD ETF ETF 464287226 3,078 28,104 SH   SOLE   28,104 0 0
ISHARES TR EUROPE ETF ETF 464287861 963 21,731 SH   SOLE   21,731 0 0
ISHARES TR IBONDS SEP18 ETF ETF 46429B580 1,598 62,727 SH   SOLE   62,727 0 0
ISHARES TR JP MOR EM MK ETF ETF 464288281 60,499 529,026 SH   SOLE   529,026 0 0
ISHARES TR RUS 1000 GRW ETF ETF 464287614 53,822 452,206 SH   SOLE   452,206 0 0
ISHARES TR RUS 1000 VAL ETF ETF 464287598 43,065 369,880 SH   SOLE   369,880 0 0
ISHARES TR S&P 500 GRWT ETF ETF 464287309 1,313 9,592 SH   SOLE   9,592 0 0
ISHARES TR S&P 500 VAL ETF ETF 464287408 980 9,338 SH   SOLE   9,338 0 0
ISHARES TR S&P MC 400GR ETF ETF 464287606 725 3,686 SH   SOLE   3,686 0 0
ISHARES TR S&P MC 400VL ETF ETF 464287705 631 4,246 SH   SOLE   4,246 0 0
ISHARES TR SHRT NAT MUN ETF ETF 464288158 1,720 16,261 SH   SOLE   16,261 0 0
ISHARES TR SP SMCP600GR ETF ETF 464287887 514 3,296 SH   SOLE   3,296 0 0
ISHARES TR SP SMCP600VL ETF ETF 464287879 374 2,672 SH   SOLE   2,672 0 0
ISHARES TR U.S. AER&DEF ETF ETF 464288760 11,265 71,594 SH   SOLE   71,594 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF ETF 808524706 39,302 1,581,575 SH   SOLE   1,581,575 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF ETF 808524888 27,204 808,933 SH   SOLE   808,933 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF ETF 808524300 13,635 215,736 SH   SOLE   215,736 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF ETF 808524409 11,239 223,894 SH   SOLE   223,894 0 0
SCHWAB STRATEGIC TR US REIT ETF ETF 808524847 1,673 40,591 SH   SOLE   40,591 0 0
SPDR SER TR NUVEEN BLMBRG SR ETF 78468R739 1,612 33,246 SH   SOLE   33,246 0 0
SPDR SERIES TRUST MORGAN TECH ETF ETF 78464A102 11,830 162,298 SH   SOLE   162,298 0 0
SPDR SERIES TRUST NUV HGHYLD MUN ETF 78464A284 934 16,428 SH   SOLE   16,428 0 0
SPDR SERIES TRUST S&P BK ETF ETF 78464A797 11,620 267,008 SH   SOLE   267,008 0 0
SPDR SERIES TRUST S&P REGL BKG ETF 78464A698 11,153 202,957 SH   SOLE   202,957 0 0
VANECK VECTORS ETF TR AMT FREE SHORT M ETF 92189F528 1,515 86,709 SH   SOLE   86,709 0 0
VANECK VECTORS ETF TR FALLEN ANGEL HG ETF 92189F437 22,069 744,585 SH   SOLE   744,585 0 0
VANECK VECTORS ETF TR HIGH YLD MUN ETF ETF 92189F361 1,861 60,196 SH   SOLE   60,196 0 0
VANGUARD INDEX FDS LARGE CAP ETF ETF 922908637 5,001 45,045 SH   SOLE   45,045 0 0
VANGUARD INDEX FDS SM CP VAL ETF ETF 922908611 40,267 327,615 SH   SOLE   327,615 0 0
VANGUARD INDEX FDS SML CP GRW ETF ETF 922908595 53,333 365,968 SH   SOLE   365,968 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF ETF 922042874 67,889 1,231,210 SH   SOLE   1,231,210 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF ETF 922042866 29,789 452,726 SH   SOLE   452,726 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC ETF 92206C771 54,943 1,043,349 SH   SOLE   1,043,349 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD ETF 92206C409 28,700 358,571 SH   SOLE   358,571 0 0