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
ISHARES TR 1-3 YR CR BD ETF ETF 464288646 105,990 1,006,072 SH   SOLE   1,006,072 0 0
ISHARES TR CORE MSCI EAFE ETF 46432F842 3,659 57,013 SH   SOLE   57,013 0 0
ISHARES TR CORE S&P MCP ETF ETF 464287507 262 1,465 SH   SOLE   1,465 0 0
ISHARES TR CORE US AGG BD ETF ETF 464287226 3,260 29,749 SH   SOLE   29,749 0 0
ISHARES TR EUROPE ETF ETF 464287861 1,024 21,842 SH   SOLE   21,842 0 0
ISHARES TR IBONDS SEP18 ETF ETF 46429B580 1,651 64,769 SH   SOLE   64,769 0 0
ISHARES TR JP MOR EM MK ETF ETF 464288281 66,569 571,802 SH   SOLE   571,802 0 0
ISHARES TR RUS 1000 GRW ETF ETF 464287614 54,947 439,362 SH   SOLE   439,362 0 0
ISHARES TR RUS 1000 VAL ETF ETF 464287598 43,201 364,538 SH   SOLE   364,538 0 0
ISHARES TR S&P 500 GRWT ETF ETF 464287309 1,434 9,996 SH   SOLE   9,996 0 0
ISHARES TR S&P 500 VAL ETF ETF 464287408 1,055 9,780 SH   SOLE   9,780 0 0
ISHARES TR S&P MC 400GR ETF ETF 464287606 778 3,845 SH   SOLE   3,845 0 0
ISHARES TR S&P MC 400VL ETF ETF 464287705 680 4,452 SH   SOLE   4,452 0 0
ISHARES TR SHRT NAT MUN ETF ETF 464288158 1,970 18,586 SH   SOLE   18,586 0 0
ISHARES TR SP SMCP600GR ETF ETF 464287887 563 3,424 SH   SOLE   3,424 0 0
ISHARES TR SP SMCP600VL ETF ETF 464287879 412 2,778 SH   SOLE   2,778 0 0
ISHARES TR U.S. AER&DEF ETF ETF 464288760 12,917 72,549 SH   SOLE   72,549 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF ETF 808524706 44,228 1,643,541 SH   SOLE   1,643,541 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF ETF 808524888 30,300 845,905 SH   SOLE   845,905 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF ETF 808524300 19,565 296,124 SH   SOLE   296,124 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF ETF 808524409 15,559 300,251 SH   SOLE   300,251 0 0
SCHWAB STRATEGIC TR US REIT ETF ETF 808524847 1,782 43,330 SH   SOLE   43,330 0 0
SPDR SER TR NUVEEN BLMBRG SR ETF 78468R739 1,703 35,051 SH   SOLE   35,051 0 0
SPDR SERIES TRUST MORGAN TECH ETF ETF 78464A102 12,828 162,684 SH   SOLE   162,684 0 0
SPDR SERIES TRUST NUV HGHYLD MUN ETF 78464A284 1,318 23,075 SH   SOLE   23,075 0 0
SPDR SERIES TRUST S&P BK ETF ETF 78464A797 12,557 278,499 SH   SOLE   278,499 0 0
SPDR SERIES TRUST S&P REGL BKG ETF 78464A698 12,247 215,770 SH   SOLE   215,770 0 0
VANECK VECTORS ETF TR AMT FREE SHORT M ETF 92189F528 1,522 86,801 SH   SOLE   86,801 0 0
VANECK VECTORS ETF TR FALLEN ANGEL HG ETF 92189F437 24,067 794,024 SH   SOLE   794,024 0 0
VANECK VECTORS ETF TR HIGH YLD MUN ETF ETF 92189F361 2,308 73,717 SH   SOLE   73,717 0 0
VANGUARD INDEX FDS LARGE CAP ETF ETF 922908637 5,672 49,147 SH   SOLE   49,147 0 0
VANGUARD INDEX FDS SM CP VAL ETF ETF 922908611 44,707 349,844 SH   SOLE   349,844 0 0
VANGUARD INDEX FDS SML CP GRW ETF ETF 922908595 59,231 388,045 SH   SOLE   388,045 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF ETF 922042874 79,119 1,356,405 SH   SOLE   1,356,405 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF ETF 922042866 60,510 887,250 SH   SOLE   887,250 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC ETF 92206C771 61,492 1,165,071 SH   SOLE   1,165,071 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD ETF 92206C409 31,211 389,498 SH   SOLE   389,498 0 0