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
Expires: July 31, 2015
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
ALPS ETF TR SECTR DIV DOGS 00162Q858 895,668 14,812 SH SOLE 0 0 14,812
APPLE INC COM 037833100 1,267,380 4,662 SH SOLE 0 0 4,662
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 842,140 20,500 SH SOLE 0 0 20,500
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790 2,452,086 32,439 SH SOLE 0 0 32,439
FIRST TR EXCHANGE TRADED FD CONSUMR STAPLE 33734X119 310,318 5,114 SH SOLE 0 0 5,114
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408 737,019 12,298 SH SOLE 0 0 12,298
INVENTRUST PPTYS CORP COM NEW 46124J201 230,560 8,173 SH SOLE 0 0 8,173
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,376,286 7,185 SH SOLE 0 0 7,185
INVESCO QQQ TR UNIT SER 1 46090E103 3,906,139 6,359 SH SOLE 0 0 6,359
ISHARES GOLD TR ISHARES NEW 464285204 7,286,712 89,771 SH SOLE 0 0 89,771
ISHARES SILVER TR ISHARES 46428Q109 339,171 5,265 SH SOLE 0 0 5,265
ISHARES TR CORE HIGH DV ETF 46429B663 1,706,796 14,035 SH SOLE 0 0 14,035
ISHARES TR RUS MDCP VAL ETF 464287473 212,703 1,508 SH SOLE 0 0 1,508
ISHARES TR CORE S&P SCP ETF 464287804 3,829,722 31,867 SH SOLE 0 0 31,867
ISHARES TR CORE US AGGBD ET 464287226 663,397 6,642 SH SOLE 0 0 6,642
ISHARES TR IBONDS 2026 TERM 46436E528 656,049 28,425 SH SOLE 0 0 28,425
ISHARES TR MSCI INTL QUALTY 46434V456 545,218 11,996 SH SOLE 0 0 11,996
ISHARES TR RUS MID CAP ETF 464287499 353,120 3,668 SH SOLE 0 0 3,668
ISHARES TR TIPS BD ETF 464287176 1,526,054 13,885 SH SOLE 0 0 13,885
ISHARES TR U.S. MED DVC ETF 464288810 2,501,659 40,252 SH SOLE 0 0 40,252
ISHARES TR IBONDS 2027 TERM 46436E478 245,297 10,990 SH SOLE 0 0 10,990
ISHARES TR IBONDS DEC2026 46435GAA0 7,670,976 316,590 SH SOLE 0 0 316,590
ISHARES TR 0-5YR HI YL CP 46434V407 5,063,382 118,110 SH SOLE 0 0 118,110
ISHARES TR MSCI EMG MKT ETF 464287234 737,743 13,485 SH SOLE 0 0 13,485
ISHARES TR CORE S&P TTL STK 464287150 736,313 4,952 SH SOLE 0 0 4,952
ISHARES TR CORE S&P MCP ETF 464287507 1,580,397 23,945 SH SOLE 0 0 23,945
ISHARES TR IBOXX HI YD ETF 464288513 302,506 3,752 SH SOLE 0 0 3,752
ISHARES TR U.S. TECH ETF 464287721 339,256 1,699 SH SOLE 0 0 1,699
ISHARES TR 0-5 YR TIPS ETF 46429B747 3,401,080 33,217 SH SOLE 0 0 33,217
ISHARES TR IBONDS 27 ETF 46435UAA9 5,895,840 242,827 SH SOLE 0 0 242,827
ISHARES TR U.S. UTILITS ETF 464287697 445,901 4,115 SH SOLE 0 0 4,115
ISHARES TR IBONDS DEC 29 46436E205 1,170,086 49,993 SH SOLE 0 0 49,993
ISHARES TR IBDS DEC28 ETF 46435U515 2,797,021 109,881 SH SOLE 0 0 109,881
ISHARES TR CORE MSCI EAFE 46432F842 512,159 5,725 SH SOLE 0 0 5,725
ISHARES TR RUS 1000 ETF 464287622 371,946 996 SH SOLE 0 0 996
ISHARES TR MSCI EAFE ETF 464287465 10,073,800 104,903 SH SOLE 0 0 104,903
ISHARES TR S&P MC 400VL ETF 464287705 241,994 1,839 SH SOLE 0 0 1,839
ISHARES TR EAFE GRWTH ETF 464288885 569,586 5,000 SH SOLE 0 0 5,000
ISHARES TR CORE S&P500 ETF 464287200 1,101,229 1,608 SH SOLE 0 0 1,608
ISHARES TR EAFE VALUE ETF 464288877 1,124,003 15,740 SH SOLE 0 0 15,740
ISHARES TR IBONDS 26 TRM TS 46436E858 589,420 25,767 SH SOLE 0 0 25,767
ISHARES TR IBONDS 27 TRM TS 46436E841 230,969 10,279 SH SOLE 0 0 10,279
ISHARES TR RUSSELL 2000 ETF 464287655 466,966 1,897 SH SOLE 0 0 1,897
MICROSOFT CORP COM 594918104 262,835 543 SH SOLE 0 0 543
PRUDENTIAL FINL INC COM 744320102 282,652 2,504 SH SOLE 0 0 2,504
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,265,876 108,467 SH SOLE 0 0 108,467
SCHWAB STRATEGIC TR US TIPS ETF 808524870 217,059 8,194 SH SOLE 0 0 8,194
SCHWAB STRATEGIC TR LONG TERM US 808524680 236,894 7,473 SH SOLE 0 0 7,473
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,207,649 173,184 SH SOLE 0 0 173,184
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 4,780,801 208,132 SH SOLE 0 0 208,132
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,276,235 38,969 SH SOLE 0 0 38,969
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,182,950 49,208 SH SOLE 0 0 49,208
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 18,271,514 696,588 SH SOLE 0 0 696,588
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 214,524 7,245 SH SOLE 0 0 7,245
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,981,784 108,705 SH SOLE 0 0 108,705
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 7,152,234 265,784 SH SOLE 0 0 265,784
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 5,850,625 179,357 SH SOLE 0 0 179,357
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 900,889 35,921 SH SOLE 0 0 35,921
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 689,013 28,273 SH SOLE 0 0 28,273
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 733,643 25,760 SH SOLE 0 0 25,760
SELECT SECTOR SPDR TR STATE STREET CON 81369Y407 1,554,122 13,015 SH SOLE 0 0 13,015
SELECT SECTOR SPDR TR STATE STREET HEA 81369Y209 225,728 1,458 SH SOLE 0 0 1,458
SELECT SECTOR SPDR TR STATE STREET CON 81369Y308 1,223,427 15,750 SH SOLE 0 0 15,750
SELECT SECTOR SPDR TR STATE STREET UTI 81369Y886 639,911 14,990 SH SOLE 0 0 14,990
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 1,764,282 12,255 SH SOLE 0 0 12,255
SELECT SECTOR SPDR TR STATE STREET IND 81369Y704 1,129,198 7,280 SH SOLE 0 0 7,280
SELECT SECTOR SPDR TR STATE STREET REA 81369Y860 265,866 6,589 SH SOLE 0 0 6,589
SPDR GOLD TR GOLD SHS 78463V107 689,976 1,741 SH SOLE 0 0 1,741
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 379,617 8,548 SH SOLE 0 0 8,548
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,776,562 7,005 SH SOLE 0 0 7,005
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 219,594 364 SH SOLE 0 0 364
SPDR SERIES TRUST STATE STREET SPD 78464A102 307,613 1,107 SH SOLE 0 0 1,107
SPDR SERIES TRUST STATE STREET SPD 78468R622 253,913 2,612 SH SOLE 0 0 2,612
SPDR SERIES TRUST STATE STREET SPD 78468R606 377,027 15,928 SH SOLE 0 0 15,928
SPDR SERIES TRUST STATE STREET SPD 78464A888 403,500 3,919 SH SOLE 0 0 3,919
SPDR SERIES TRUST STATE STREET SPD 78464A409 366,301 3,433 SH SOLE 0 0 3,433
SPROTT ASSET MANAGEMENT LP PHYSICAL GOLD AN 85208R101 623,384 13,611 SH SOLE 0 0 13,611
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 332,527 3,211 SH SOLE 0 0 3,211
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 827,604 2,298 SH SOLE 0 0 2,298
VANECK ETF TRUST IG FLOATING RATE 92189F486 3,012,236 118,220 SH SOLE 0 0 118,220
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,068,089 14,420 SH SOLE 0 0 14,420
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 318,156 4,037 SH SOLE 0 0 4,037
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,441,882 10,266 SH SOLE 0 0 10,266
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,112,067 12,567 SH SOLE 0 0 12,567
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,549,976 6,009 SH SOLE 0 0 6,009
VANGUARD INDEX FDS GROWTH ETF 922908736 2,029,801 4,161 SH SOLE 0 0 4,161
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 19,940,071 31,796 SH SOLE 0 0 31,796
VANGUARD INDEX FDS VALUE ETF 922908744 13,031,047 68,229 SH SOLE 0 0 68,229
VANGUARD INDEX FDS MID CAP ETF 922908629 989,306 3,409 SH SOLE 0 0 3,409
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,217,341 22,644 SH SOLE 0 0 22,644
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,600,192 57,697 SH SOLE 0 0 57,697
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 789,461 2,555 SH SOLE 0 0 2,555
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 352,703 4,650 SH SOLE 0 0 4,650
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,829,084 17,422 SH SOLE 0 0 17,422
VANGUARD STAR FDS VG TL INTL STK F 921909768 5,651,663 74,916 SH SOLE 0 0 74,916
VANGUARD WORLD FD MATERIALS ETF 92204A801 328,344 1,582 SH SOLE 0 0 1,582
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 2,401,149 8,047 SH SOLE 0 0 8,047
VANGUARD WORLD FD UTILITIES ETF 92204A876 2,590,548 14,000 SH SOLE 0 0 14,000
VANGUARD WORLD FD FINANCIALS ETF 92204A405 724,240 5,425 SH SOLE 0 0 5,425
VANGUARD WORLD FD CONSUM STP ETF 92204A207 5,202,550 24,629 SH SOLE 0 0 24,629
VANGUARD WORLD FD COMM SRVC ETF 92204A884 917,536 4,739 SH SOLE 0 0 4,739
VANGUARD WORLD FD INF TECH ETF 92204A702 16,330,323 21,665 SH SOLE 0 0 21,665
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 3,617,021 9,182 SH SOLE 0 0 9,182
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 6,535,409 22,704 SH SOLE 0 0 22,704
WELLTOWER INC COM 95040Q104 901,693 4,858 SH SOLE 0 0 4,858