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
ABBVIE INC COM 00287Y109 1,014 7,490 SH   SOLE   0 0 7,490
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 8,915 21,506 SH   SOLE   0 0 21,506
ALPHABET INC CAP STK CL C 02079K107 315 109 SH   SOLE   0 0 109
AMAZON COM INC COM 023135106 937 281 SH   SOLE   0 0 281
APPLE INC COM 037833100 1,924 10,836 SH   SOLE   0 0 10,836
CISCO SYS INC COM 17275R102 369 5,822 SH   SOLE   0 0 5,822
CVS HEALTH CORP COM 126650100 275 2,670 SH   SOLE   0 0 2,670
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 15,356 442,270 SH   SOLE   0 0 442,270
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 55,389 582,184 SH   SOLE   0 0 582,184
GOLDMAN SACHS GROUP INC COM 38141G104 526 1,374 SH   SOLE   0 0 1,374
HOME DEPOT INC COM 437076102 651 1,567 SH   SOLE   0 0 1,567
ISHARES GOLD TR ISHARES NEW 464285204 455 13,073 SH   SOLE   0 0 13,073
ISHARES TR CORE S&P MCP ETF 464287507 9,601 33,917 SH   SOLE   0 0 33,917
ISHARES TR CORE S&P SCP ETF 464287804 909 7,934 SH   SOLE   0 0 7,934
ISHARES TR CORE S&P500 ETF 464287200 19,668 41,234 SH   SOLE   0 0 41,234
ISHARES TR MSCI INDIA ETF 46429B598 555 12,117 SH   SOLE   0 0 12,117
ISHARES TR RUS 1000 ETF 464287622 3,339 12,628 SH   SOLE   0 0 12,628
ISHARES TR RUS 1000 GRW ETF 464287614 537 1,756 SH   SOLE   0 0 1,756
ISHARES TR RUSSELL 2000 ETF 464287655 1,305 5,866 SH   SOLE   0 0 5,866
ISHARES TR U.S. MED DVC ETF 464288810 553 8,400 SH   SOLE   0 0 8,400
ISHARES TR US HOME CONS ETF 464288752 694 8,372 SH   SOLE   0 0 8,372
JOHNSON & JOHNSON COM 478160104 598 3,493 SH   SOLE   0 0 3,493
LPL FINL HLDGS INC COM 50212V100 245 1,532 SH   SOLE   0 0 1,532
MICROSOFT CORP COM 594918104 1,518 4,514 SH   SOLE   0 0 4,514
ORACLE CORP COM 68389X105 477 5,474 SH   SOLE   0 0 5,474
PFIZER INC COM 717081103 644 10,914 SH   SOLE   0 0 10,914
PROCTER AND GAMBLE CO COM 742718109 266 1,627 SH   SOLE   0 0 1,627
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 32,876 845,792 SH   SOLE   0 0 845,792
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 24,454 439,738 SH   SOLE   0 0 439,738
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,667 14,649 SH   SOLE   0 0 14,649
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 5,151 36,557 SH   SOLE   0 0 36,557
SPDR SER TR PRTFLO S&P500 VL 78464A508 2,207 52,558 SH   SOLE   0 0 52,558
STRYKER CORPORATION COM 863667101 246 922 SH   SOLE   0 0 922
VANGUARD INDEX FDS LARGE CAP ETF 922908637 9,033 40,867 SH   SOLE   0 0 40,867
VANGUARD INDEX FDS MID CAP ETF 922908629 34,512 135,465 SH   SOLE   0 0 135,465
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 388 3,344 SH   SOLE   0 0 3,344
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 14,765 33,821 SH   SOLE   0 0 33,821
VANGUARD INDEX FDS SMALL CP ETF 922908751 490 2,168 SH   SOLE   0 0 2,168
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,482 50,178 SH   SOLE   0 0 50,178
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,359 19,556 SH   SOLE   0 0 19,556
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 34,164 669,099 SH   SOLE   0 0 669,099
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 254 952 SH   SOLE   0 0 952
VANGUARD WORLD FDS INF TECH ETF 92204A702 901 1,967 SH   SOLE   0 0 1,967
VENTAS INC COM 92276F100 261 5,096 SH   SOLE   0 0 5,096
WILLIS TOWERS WATSON PLC LTD SHS G96629103 365 1,538 SH   SOLE   0 0 1,538