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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,209 28,935 SH   SOLE   0 0 28,935
ISHARES TR SHRT NAT MUN ETF 464288158 3,824 36,417 SH   SOLE   0 0 36,417
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 59,036 2,280,249 SH   SOLE   0 0 2,280,249
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 98,576 1,756,213 SH   SOLE   0 0 1,756,213
VANGUARD INDEX FDS LARGE CAP ETF 922908637 875 7,012 SH   SOLE   0 0 7,012
GENUINE PARTS CO COM 372460105 1,191 12,973 SH   SOLE   0 0 12,973
PEPSICO INC COM 713448108 1,232 11,312 SH   SOLE   0 0 11,312
GRAINGER W W INC COM 384802104 1,242 4,026 SH   SOLE   0 0 4,026
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 38,379 1,338,197 SH   SOLE   0 0 1,338,197
ARCHER DANIELS MIDLAND CO COM 039483102 1,204 26,267 SH   SOLE   0 0 26,267
PRICE T ROWE GROUP INC COM 74144T108 1,193 10,274 SH   SOLE   0 0 10,274
CINCINNATI FINL CORP COM 172062101 1,110 16,609 SH   SOLE   0 0 16,609
HORMEL FOODS CORP COM 440452100 1,230 33,043 SH   SOLE   0 0 33,043
WALMART INC COM 931142103 1,177 13,746 SH   SOLE   0 0 13,746
ISHARES TR JPMORGAN USD EMG 464288281 41,766 391,181 SH   SOLE   0 0 391,181
ISHARES TR SP SMCP600VL ETF 464287879 424 2,600 SH   SOLE   0 0 2,600
ISHARES TR BARCLAYS 7 10 YR 464287440 22,426 218,772 SH   SOLE   0 0 218,772
VANECK VECTORS ETF TR SHORT HIGH YIELD 92189F387 359 14,632 SH   SOLE   0 0 14,632
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189F361 3,227 102,536 SH   SOLE   0 0 102,536
SPDR SERIES TRUST S&P BK ETF 78464A797 3,903 82,767 SH   SOLE   0 0 82,767
VANGUARD INDEX FDS SML CP GRW ETF 922908595 49,515 281,657 SH   SOLE   0 0 281,657
ISHARES TR 3 7 YR TREAS BD 464288661 87,816 731,804 SH   SOLE   0 0 731,804
ISHARES TR RUS 1000 VAL ETF 464287598 45,398 374,017 SH   SOLE   0 0 374,017
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 64,219 847,434 SH   SOLE   0 0 847,434
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 80,478 1,565,424 SH   SOLE   0 0 1,565,424
WALGREENS BOOTS ALLIANCE INC COM 931427108 1,092 18,194 SH   SOLE   0 0 18,194
AUTOMATIC DATA PROCESSING IN COM 053015103 1,281 9,548 SH   SOLE   0 0 9,548
ISHARES TR US AER DEF ETF 464288760 3,798 19,731 SH   SOLE   0 0 19,731
ISHARES TR CORE US AGGBD ET 464287226 2,898 27,255 SH   SOLE   0 0 27,255
SPDR SERIES TRUST NYSE TECH ETF 78464A102 4,080 43,698 SH   SOLE   0 0 43,698
SPDR SERIES TRUST S&P REGL BKG 78464A698 4,000 65,572 SH   SOLE   0 0 65,572
ISHARES TR S&P 500 GRWT ETF 464287309 1,553 9,551 SH   SOLE   0 0 9,551
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 49,982 639,977 SH   SOLE   0 0 639,977
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 74,205 1,060,368 SH   SOLE   0 0 1,060,368
ISHARES TR S&P MC 400GR ETF 464287606 769 3,421 SH   SOLE   0 0 3,421
CONSOLIDATED EDISON INC COM 209115104 1,198 15,368 SH   SOLE   0 0 15,368
ISHARES TR S&P 500 VAL ETF 464287408 1,066 9,678 SH   SOLE   0 0 9,678
ISHARES TR RUS 1000 GRW ETF 464287614 60,561 421,148 SH   SOLE   0 0 421,148
ISHARES TR CORE MSCI EAFE 46432F842 3,315 52,312 SH   SOLE   0 0 52,312
MCDONALDS CORP COM 580135101 1,144 7,300 SH   SOLE   0 0 7,300
ISHARES TR 1 3 YR CR BD ETF 464288646 46,681 450,157 SH   SOLE   0 0 450,157
ISHARES TR S&P MC 400VL ETF 464287705 646 3,988 SH   SOLE   0 0 3,988
CLOROX CO DEL COM 189054109 1,284 9,495 SH   SOLE   0 0 9,495
SPDR SER TR NUVEEN BLMBRG SR 78468R739 3,432 71,522 SH   SOLE   0 0 71,522
MEDTRONIC PLC SHS G5960L103 1,235 14,422 SH   SOLE   0 0 14,422
JOHNSON & JOHNSON COM 478160104 1,195 9,845 SH   SOLE   0 0 9,845
ISHARES TR EUROPE ETF 464287861 724 16,199 SH   SOLE   0 0 16,199
ISHARES TR S&P SML 600 GWT 464287887 598 3,167 SH   SOLE   0 0 3,167
VANGUARD INDEX FDS SM CP VAL ETF 922908611 42,479 312,827 SH   SOLE   0 0 312,827
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 69,872 1,315,355 SH   SOLE   0 0 1,315,355
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 34,470 955,651 SH   SOLE   0 0 955,651