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
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 29,902,700 43,539 SH SOLE 0 43,539 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 19,241,528 618,699 SH SOLE 0 618,699 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 17,620,603 636,123 SH SOLE 0 636,123 0 0
VICTORY PORTFOLIOS II CORE BD ETF 92647N527 16,172,466 345,285 SH SOLE 0 345,285 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 15,966,258 317,105 SH SOLE 0 317,105 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 12,116,282 411,698 SH SOLE 0 411,698 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 10,263,915 124,185 SH SOLE 0 124,185 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 9,884,546 122,683 SH SOLE 0 122,683 0 0
FIRST TR EXCHANGE TRADED FD RISNG DIVD ACHIV 33738R506 9,575,289 118,126 SH SOLE 0 118,126 0 0
ISHARES INC MSCI EMRG CHN 46434G764 7,483,020 73,148 SH SOLE 0 73,148 0 0
ISHARES TR CORE US AGGBD ET 464287226 6,069,644 61,322 SH SOLE 0 61,322 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 5,291,571 104,618 SH SOLE 0 104,618 0 0
ISHARES TR CRE U S REIT ETF 464288521 5,115,485 76,982 SH SOLE 0 76,982 0 0
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 5,022,041 134,784 SH SOLE 0 134,784 0 0
FIDELITY COVINGTON TRUST ENHANCED SML CAP 31609A206 4,544,857 94,116 SH SOLE 0 94,116 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109 4,113,033 44,109 SH SOLE 0 44,109 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,303,729 89,605 SH SOLE 0 89,605 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,971,102 12,227 SH SOLE 0 12,227 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,896,611 14,659 SH SOLE 0 14,659 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,763,357 3,690 SH SOLE 0 3,690 0 0
WISDOMTREE TR INTL EQUITY FD 97717W703 2,587,708 35,344 SH SOLE 0 35,344 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 2,469,679 23,231 SH SOLE 0 23,231 0 0
ISHARES TR CORE MSCI EAFE 46432F842 2,253,308 23,331 SH SOLE 0 23,331 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,226,612 76,886 SH SOLE 0 76,886 0 0
FIRST TR EXCHANGE-TRADED FD COM SHS ANNUAL 33718M105 1,953,806 20,984 SH SOLE 0 20,984 0 0
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104 1,846,928 19,665 SH SOLE 0 19,665 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,646,163 45,562 SH SOLE 0 45,562 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505 1,326,834 23,475 SH SOLE 0 23,475 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,074,764 9,987 SH SOLE 0 9,987 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,017,287 3,356 SH SOLE 0 3,356 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 911,579 18,944 SH SOLE 0 18,944 0 0
APPLE INC COM 037833100 708,521 2,449 SH SOLE 0 2,449 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 688,516 2,002 SH SOLE 0 2,002 0 0
WISDOMTREE TR US MIDCAP FUND 97717W570 634,130 8,368 SH SOLE 0 8,368 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 629,872 5,916 SH SOLE 0 5,916 0 0
WISDOMTREE TR INTL SMCAP DIV 97717W760 550,308 6,568 SH SOLE 0 6,568 0 0
NATIXIS ETF TR GATEWAY QUALITY 63873X307 520,104 8,790 SH SOLE 0 8,790 0 0
ISHARES TR ESG MSCI KLD ETF 464288570 507,967 3,567 SH SOLE 0 3,567 0 0
ISHARES TR TIPS BD ETF 464287176 492,435 4,500 SH SOLE 0 4,500 0 0
ISHARES TR CORE S&P MCP ETF 464287507 452,357 5,866 SH SOLE 0 5,866 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 435,298 4,234 SH SOLE 0 4,234 0 0
FIRST TR EXCHANGE TRAD FD VI FST TR GLB FD 33739H101 378,267 13,984 SH SOLE 0 13,984 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 351,706 3,645 SH SOLE 0 3,645 0 0
SPDR INDEX SHS FDS ST DOW GLOBA ETF 78463X749 273,131 5,494 SH SOLE 0 5,494 0 0
ALPS ETF TR ALERIAN MLP 00162Q452 262,183 5,057 SH SOLE 0 5,057 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C318 232,271 5,624 SH SOLE 0 5,624 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 200,576 5,762 SH SOLE 0 5,762 0 0
BLUEROCK PVT REAL ESTATE FD COM 09631P102 143,813 11,054 SH SOLE 0 11,054 0 0