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
PFIZER INC COM 717081103 381 10,520 SH   SOLE 0 0 0 10,520
DISNEY WALT CO COM 254687106 309 1,673 SH   SOLE 0 0 0 1,673
DEERE & CO COM 244199105 303 811 SH   SOLE 0 0 0 811
ISHARES TR SHRT NAT MUN ETF 464288158 1,049 9,731 SH   SOLE 0 0 0 9,731
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 741 13,126 SH   SOLE 0 0 0 13,126
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 499 2,866 SH   SOLE 0 0 0 2,866
PEPSICO INC COM 713448108 257 1,814 SH   SOLE 0 0 0 1,814
ISHARES TR TIPS BD ETF 464287176 280 2,231 SH   SOLE 0 0 0 2,231
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,314 26,749 SH   SOLE 0 0 0 26,749
NEXTERA ENERGY INC COM 65339F101 386 5,107 SH   SOLE 0 0 0 5,107
UNION PAC CORP COM 907818108 227 1,029 SH   SOLE 0 0 0 1,029
APPLE INC COM 037833100 827 6,771 SH   SOLE 0 0 0 6,771
AMAZON COM INC COM 023135106 628 203 SH   SOLE 0 0 0 203
MERCK & CO. INC COM 58933Y105 396 5,142 SH   SOLE 0 0 0 5,142
LOWES COS INC COM 548661107 324 1,706 SH   SOLE 0 0 0 1,706
PROCTER AND GAMBLE CO COM 742718109 618 4,565 SH   SOLE 0 0 0 4,565
BOEING CO COM 097023105 475 1,863 SH   SOLE 0 0 0 1,863
WORLD GOLD TR SPDR GLD MINIS 98149E204 7,520 442,373 SH   SOLE 0 0 0 442,373
NIKE INC CL B 654106103 494 3,719 SH   SOLE 0 0 0 3,719
WALMART INC COM 931142103 231 1,702 SH   SOLE 0 0 0 1,702
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 735 11,831 SH   SOLE 0 0 0 11,831
INTEL CORP COM 458140100 246 3,843 SH   SOLE 0 0 0 3,843
SPDR SER TR S&P 600 SMCP VAL 78464A300 7,690 93,789 SH   SOLE 0 0 0 93,789
ISHARES TR CORE S&P SCP ETF 464287804 246 2,263 SH   SOLE 0 0 0 2,263
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 1,200 32,105 SH   SOLE 0 0 0 32,105
JPMORGAN CHASE & CO COM 46625H100 416 2,730 SH   SOLE 0 0 0 2,730
ISHARES TR US TREAS BD ETF 46429B267 3,775 144,123 SH   SOLE 0 0 0 144,123
SPDR SER TR S&P 600 SMCP GRW 78464A201 3,302 38,460 SH   SOLE 0 0 0 38,460
EXXON MOBIL CORP COM 30231G102 665 11,903 SH   SOLE 0 0 0 11,903
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 333 1,467 SH   SOLE 0 0 0 1,467
VANGUARD INDEX FDS VALUE ETF 922908744 297 2,261 SH   SOLE 0 0 0 2,261
ISHARES INC JP MORGAN EM ETF 464286517 4,745 111,443 SH   SOLE 0 0 0 111,443
ISHARES TR GRWT ALLOCAT ETF 464289867 688 12,844 SH   SOLE 0 0 0 12,844
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 481 5,680 SH   SOLE 0 0 0 5,680
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707 201 4,964 SH   SOLE 0 0 0 4,964
VANGUARD INDEX FDS TOTAL STK MKT 922908769 305 1,474 SH   SOLE 0 0 0 1,474
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 1,302 23,498 SH   SOLE 0 0 0 23,498
PNC FINL SVCS GROUP INC COM 693475105 250 1,426 SH   SOLE 0 0 0 1,426
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 2,587 35,900 SH   SOLE 0 0 0 35,900
ISHARES TR CORE US AGGBD ET 464287226 485 4,257 SH   SOLE 0 0 0 4,257
METLIFE INC COM 59156R108 227 3,734 SH   SOLE 0 0 0 3,734
ISHARES TR AGGRES ALLOC ETF 464289859 423 6,314 SH   SOLE 0 0 0 6,314
COCA COLA CO COM 191216100 232 4,405 SH   SOLE 0 0 0 4,405
SPDR SER TR PORTFOLIO S&P400 78464A847 10,849 237,078 SH   SOLE 0 0 0 237,078
VERIZON COMMUNICATIONS INC COM 92343V104 446 7,662 SH   SOLE 0 0 0 7,662
WASTE MGMT INC DEL COM 94106L109 237 1,836 SH   SOLE 0 0 0 1,836
CSX CORP COM 126408103 347 3,600 SH   SOLE 0 0 0 3,600
SCHWAB STRATEGIC TR US TIPS ETF 808524870 8,911 145,704 SH   SOLE 0 0 0 145,704
GRANITESHARES GOLD TR SHS BEN INT 38748G101 767 45,167 SH   SOLE 0 0 0 45,167
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,975 72,424 SH   SOLE 0 0 0 72,424
SPDR SER TR PORTFOLIO AGRGTE 78464A649 20,002 674,598 SH   SOLE 0 0 0 674,598
MICROSOFT CORP COM 594918104 430 1,822 SH   SOLE 0 0 0 1,822
ISHARES TR CORE S&P MCP ETF 464287507 3,842 14,761 SH   SOLE 0 0 0 14,761
MCDONALDS CORP COM 580135101 427 1,907 SH   SOLE 0 0 0 1,907
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 12,563 286,960 SH   SOLE 0 0 0 286,960
ISHARES TR MSCI EAFE ETF 464287465 352 4,635 SH   SOLE 0 0 0 4,635
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 2,781 54,792 SH   SOLE 0 0 0 54,792
ALPHABET INC CAP STK CL C 02079K107 277 134 SH   SOLE 0 0 0 134
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 20,618 583,102 SH   SOLE 0 0 0 583,102
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 465 8,943 SH   SOLE 0 0 0 8,943
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,938 19,016 SH   SOLE 0 0 0 19,016
FORD MTR CO DEL COM 345370860 363 29,594 SH   SOLE 0 0 0 29,594
ISHARES TR CORE S&P500 ETF 464287200 685 1,723 SH   SOLE 0 0 0 1,723
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,374 25,144 SH   SOLE 0 0 0 25,144
BP PLC SPONSORED ADR 055622104 267 10,983 SH   SOLE 0 0 0 10,983
ISHARES TR MODERT ALLOC ETF 464289875 358 8,229 SH   SOLE 0 0 0 8,229
TCF FINL CORP COM 872307103 264 5,684 SH   SOLE 0 0 0 5,684
SPDR SER TR PORTFOLI S&P1500 78464A805 35,639 724,518 SH   SOLE 0 0 0 724,518
SPDR SER TR MSCI USA STRTGIC 78468R812 8,280 74,539 SH   SOLE 0 0 0 74,539
ISHARES TR 0-5YR HI YL CP 46434V407 6,533 142,616 SH   SOLE 0 0 0 142,616