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 840,250 12,920 SH SOLE 0 0 12,920
APPLE INC COM 037833100 1,080,766 4,259 SH SOLE 0 0 4,259
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 874,909 19,608 SH SOLE 0 0 19,608
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790 3,068,766 42,270 SH SOLE 0 0 42,270
FIRST TR EXCHANGE-TRADED FD CONSUMR STAPLE 33734X119 289,544 4,544 SH SOLE 0 0 4,544
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408 734,098 12,280 SH SOLE 0 0 12,280
INVENTRUST PPTYS CORP COM NEW 46124J201 248,950 8,173 SH SOLE 0 0 8,173
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,318,777 6,871 SH SOLE 0 0 6,871
INVESCO QQQ TR UNIT SER 1 46090E103 4,445,227 7,702 SH SOLE 0 0 7,702
ISHARES GOLD TR ISHARES NEW 464285204 7,743,181 87,831 SH SOLE 0 0 87,831
ISHARES SILVER TR ISHARES 46428Q109 353,919 5,194 SH SOLE 0 0 5,194
ISHARES TR 0-5 YR TIPS ETF 46429B747 3,466,655 33,517 SH SOLE 0 0 33,517
ISHARES TR 0-5YR HI YL CP 46434V407 5,110,644 120,790 SH SOLE 0 0 120,790
ISHARES TR CORE HIGH DV ETF 46429B663 1,645,741 12,126 SH SOLE 0 0 12,126
ISHARES TR CORE MSCI EAFE 46432F842 593,424 6,555 SH SOLE 0 0 6,555
ISHARES TR CORE S&P MCP ETF 464287507 1,579,434 23,389 SH SOLE 0 0 23,389
ISHARES TR CORE S&P SCP ETF 464287804 3,988,904 32,088 SH SOLE 0 0 32,088
ISHARES TR CORE S&P TTL STK 464287150 695,913 4,886 SH SOLE 0 0 4,886
ISHARES TR CORE S&P500 ETF 464287200 804,768 1,232 SH SOLE 0 0 1,232
ISHARES TR CORE US AGGBD ET 464287226 724,278 7,296 SH SOLE 0 0 7,296
ISHARES TR EAFE GRWTH ETF 464288885 868,338 7,797 SH SOLE 0 0 7,797
ISHARES TR EAFE VALUE ETF 464288877 1,479,352 19,897 SH SOLE 0 0 19,897
ISHARES TR IBDS DEC28 ETF 46435U515 3,891,144 153,618 SH SOLE 0 0 153,618
ISHARES TR IBONDS 2026 TERM 46436E528 945,609 41,203 SH SOLE 0 0 41,203
ISHARES TR IBONDS 2027 TERM 46436E478 538,224 24,321 SH SOLE 0 0 24,321
ISHARES TR IBONDS 26 TRM TS 46436E858 897,604 39,171 SH SOLE 0 0 39,171
ISHARES TR IBONDS 27 ETF 46435UAA9 6,800,944 280,567 SH SOLE 0 0 280,567
ISHARES TR IBONDS 27 TRM TS 46436E841 553,191 24,663 SH SOLE 0 0 24,663
ISHARES TR IBONDS 28 TR HI 46436E387 410,702 17,499 SH SOLE 0 0 17,499
ISHARES TR IBONDS 28 TRM TS 46436E833 438,173 19,664 SH SOLE 0 0 19,664
ISHARES TR IBONDS 29 TR HI 46436E379 248,243 10,662 SH SOLE 0 0 10,662
ISHARES TR IBONDS 29 TRM TS 46436E825 268,167 12,277 SH SOLE 0 0 12,277
ISHARES TR IBONDS DEC 2030 46436E726 1,001,139 45,735 SH SOLE 0 0 45,735
ISHARES TR IBONDS DEC 29 46436E205 2,522,547 108,450 SH SOLE 0 0 108,450
ISHARES TR IBONDS DEC2026 46435GAA0 8,002,889 330,152 SH SOLE 0 0 330,152
ISHARES TR IBOXX HI YD ETF 464288513 325,091 4,086 SH SOLE 0 0 4,086
ISHARES TR MSCI EAFE ETF 464287465 10,177,732 104,785 SH SOLE 0 0 104,785
ISHARES TR MSCI EMG MKT ETF 464287234 863,867 15,212 SH SOLE 0 0 15,212
ISHARES TR MSCI INTL QUALTY 46434V456 554,575 11,996 SH SOLE 0 0 11,996
ISHARES TR RUS 1000 ETF 464287622 355,134 996 SH SOLE 0 0 996
ISHARES TR RUS MDCP VAL ETF 464287473 227,209 1,559 SH SOLE 0 0 1,559
ISHARES TR RUS MID CAP ETF 464287499 335,983 3,456 SH SOLE 0 0 3,456
ISHARES TR RUSSELL 2000 ETF 464287655 430,793 1,737 SH SOLE 0 0 1,737
ISHARES TR S&P MC 400VL ETF 464287705 243,800 1,840 SH SOLE 0 0 1,840
ISHARES TR TIPS BD ETF 464287176 1,771,783 16,055 SH SOLE 0 0 16,055
ISHARES TR U.S. MED DVC ETF 464288810 1,866,287 34,982 SH SOLE 0 0 34,982
ISHARES TR U.S. TECH ETF 464287721 305,330 1,683 SH SOLE 0 0 1,683
ISHARES TR U.S. UTILITS ETF 464287697 477,212 4,110 SH SOLE 0 0 4,110
JOHNSON & JOHNSON COM 478160104 227,519 931 SH SOLE 0 0 931
PRUDENTIAL FINL INC COM 744320102 246,570 2,524 SH SOLE 0 0 2,524
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 5,224,094 230,339 SH SOLE 0 0 230,339
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,285,380 39,010 SH SOLE 0 0 39,010
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,154,899 46,663 SH SOLE 0 0 46,663
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 1,107,721 44,469 SH SOLE 0 0 44,469
SCHWAB STRATEGIC TR LONG TERM US 808524680 254,781 8,106 SH SOLE 0 0 8,106
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 829,244 34,167 SH SOLE 0 0 34,167
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 15,123,761 602,540 SH SOLE 0 0 602,540
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,877,196 93,781 SH SOLE 0 0 93,781
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 5,379,712 184,679 SH SOLE 0 0 184,679
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 256,170 8,399 SH SOLE 0 0 8,399
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,552,849 255,571 SH SOLE 0 0 255,571
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,605,793 181,066 SH SOLE 0 0 181,066
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,330,960 108,467 SH SOLE 0 0 108,467
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 604,165 20,776 SH SOLE 0 0 20,776
SELECT SECTOR SPDR TR STATE STREET CON 81369Y407 1,448,773 13,294 SH SOLE 0 0 13,294
SELECT SECTOR SPDR TR STATE STREET CON 81369Y308 1,358,655 16,573 SH SOLE 0 0 16,573
SELECT SECTOR SPDR TR STATE STREET IND 81369Y704 1,122,974 6,944 SH SOLE 0 0 6,944
SELECT SECTOR SPDR TR STATE STREET REA 81369Y860 246,573 6,039 SH SOLE 0 0 6,039
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 1,615,203 12,154 SH SOLE 0 0 12,154
SELECT SECTOR SPDR TR STATE STREET UTI 81369Y886 669,948 14,599 SH SOLE 0 0 14,599
SPDR GOLD TR GOLD SHS 78463V107 746,983 1,736 SH SOLE 0 0 1,736
SPDR INDEX SHS FDS STATE STREET SPD 78463X889 362,781 7,947 SH SOLE 0 0 7,947
SPDR SERIES TRUST STATE STREET SPD 78464A888 385,205 3,902 SH SOLE 0 0 3,902
SPDR SERIES TRUST STATE STREET SPD 78464A102 271,618 1,064 SH SOLE 0 0 1,064
SPDR SERIES TRUST STATE STREET SPD 78468R606 394,772 16,928 SH SOLE 0 0 16,928
SPDR SERIES TRUST STATE STREET SPD 78464A409 336,125 3,433 SH SOLE 0 0 3,433
SPROTT ASSET MANAGEMENT LP PHYSICAL GOLD AN 85208R101 656,484 13,757 SH SOLE 0 0 13,757
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 4,485,121 6,897 SH SOLE 0 0 6,897
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 215,866 350 SH SOLE 0 0 350
VANECK ETF TRUST IG FLOATING RATE 92189F486 2,964,963 116,364 SH SOLE 0 0 116,364
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 266,308 2,754 SH SOLE 0 0 2,754
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 1,027,539 2,680 SH SOLE 0 0 2,680
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 624,380 7,963 SH SOLE 0 0 7,963
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,135,529 15,420 SH SOLE 0 0 15,420
VANGUARD INDEX FDS GROWTH ETF 922908736 1,846,166 4,227 SH SOLE 0 0 4,227
VANGUARD INDEX FDS MID CAP ETF 922908629 983,538 3,425 SH SOLE 0 0 3,425
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,049,175 11,828 SH SOLE 0 0 11,828
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 19,533,482 32,689 SH SOLE 0 0 32,689
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,509,399 5,763 SH SOLE 0 0 5,763
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,284,774 10,239 SH SOLE 0 0 10,239
VANGUARD INDEX FDS VALUE ETF 922908744 12,661,991 64,536 SH SOLE 0 0 64,536
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,276,499 23,617 SH SOLE 0 0 23,617
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 374,796 5,016 SH SOLE 0 0 5,016
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,140,394 64,847 SH SOLE 0 0 64,847
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 714,651 2,422 SH SOLE 0 0 2,422
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,084,036 14,340 SH SOLE 0 0 14,340
VANGUARD STAR FDS VG TL INTL STK F 921909768 5,720,041 74,180 SH SOLE 0 0 74,180
VANGUARD WORLD FD COMM SRVC ETF 92204A884 1,728,950 9,614 SH SOLE 0 0 9,614
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 3,595,770 10,015 SH SOLE 0 0 10,015
VANGUARD WORLD FD CONSUM STP ETF 92204A207 5,154,065 22,949 SH SOLE 0 0 22,949
VANGUARD WORLD FD ENERGY ETF 92204A306 379,131 2,191 SH SOLE 0 0 2,191
VANGUARD WORLD FD FINANCIALS ETF 92204A405 2,157,991 17,863 SH SOLE 0 0 17,863
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 5,776,521 21,211 SH SOLE 0 0 21,211
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 2,951,545 9,453 SH SOLE 0 0 9,453
VANGUARD WORLD FD INF TECH ETF 92204A702 14,848,648 21,282 SH SOLE 0 0 21,282
VANGUARD WORLD FD MATERIALS ETF 92204A801 498,227 2,211 SH SOLE 0 0 2,211
VANGUARD WORLD FD UTILITIES ETF 92204A876 3,026,038 15,272 SH SOLE 0 0 15,272
WELLTOWER INC COM 95040Q104 753,275 3,810 SH SOLE 0 0 3,810