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
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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
ISHARES TR CORE HIGH DV ETF 46429B663 32,997,747 1,203,858 SH SOLE 0 0 1,203,858
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 29,976,339 945,328 SH SOLE 0 0 945,328
DIMENSIONAL ETF TRUST CORE FIXE IN ETF 25434V872 28,275,198 669,870 SH SOLE 0 0 669,870
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 26,907,339 591,500 SH SOLE 0 0 591,500
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 26,298,478 519,938 SH SOLE 0 0 519,938
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 23,032,644 342,544 SH SOLE 0 0 342,544
CAPITAL GROUP DIVIDEND VALUE SHS CREAT UNIT 14020W106 17,827,822 361,848 SH SOLE 0 0 361,848
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840 16,798,558 278,629 SH SOLE 0 0 278,629
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 15,112,104 300,141 SH SOLE 0 0 300,141
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 14,114,429 143,731 SH SOLE 0 0 143,731
AMERICAN CENTY ETF TR US SML CP VALU 025072877 13,613,113 109,114 SH SOLE 0 0 109,114
ISHARES TR EAFE GRWTH ETF 464288885 13,020,592 104,650 SH SOLE 0 0 104,650
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 12,929,289 42,211 SH SOLE 0 0 42,211
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 12,897,359 350,091 SH SOLE 0 0 350,091
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 12,099,677 357,556 SH SOLE 0 0 357,556
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 11,296,534 189,253 SH SOLE 0 0 189,253
SPDR SERIES TRUST ST STR P500GRW 78464A409 5,029,639 42,357 SH SOLE 0 0 42,357
APPLE INC COM 037833100 4,709,897 16,277 SH SOLE 0 0 16,277
ISHARES TR CORE UNIVRSL USD 46434V613 3,496,358 75,655 SH SOLE 0 0 75,655
ISHARES TR S&P 500 VAL ETF 464287408 3,165,207 13,875 SH SOLE 0 0 13,875
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 2,771,341 40,633 SH SOLE 0 0 40,633
ISHARES TR CORE S&P500 ETF 464287200 2,643,361 3,518 SH SOLE 0 0 3,518
ISHARES TR S&P 500 GRWT ETF 464287309 2,365,342 17,141 SH SOLE 0 0 17,141
ISHARES INC CORE MSCI EMKT 46434G103 1,928,416 23,136 SH SOLE 0 0 23,136
ISHARES TR S&P 100 ETF 464287101 1,917,205 5,221 SH SOLE 0 0 5,221
ISHARES TR NATIONAL MUN ETF 464288414 1,897,670 17,633 SH SOLE 0 0 17,633
ISHARES TR RUS 1000 GRW ETF 464287614 1,718,202 13,837 SH SOLE 0 0 13,837
ISHARES TR EAFE VALUE ETF 464288877 1,542,584 20,046 SH SOLE 0 0 20,046
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,497,700 2 SH SOLE 0 0 2
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 1,460,911 27,733 SH SOLE 0 0 27,733
ISHARES TR RUS 1000 ETF 464287622 1,332,887 3,255 SH SOLE 0 0 3,255
ISHARES TR MSCI USA MMENTM 46432F396 1,328,116 3,872 SH SOLE 0 0 3,872
AMAZON COM INC COM 023135106 1,323,740 5,554 SH SOLE 0 0 5,554
ISHARES TR 10-20 YR TRS ETF 464288653 1,289,421 12,813 SH SOLE 0 0 12,813
SPDR SERIES TRUST ST STR P500ETF 78464A854 1,224,093 13,929 SH SOLE 0 0 13,929
ISHARES INC MSCI EMRG CHN 46434G764 1,191,720 11,711 SH SOLE 0 0 11,711
ISHARES TR MSCI USA QLT FCT 46432F339 1,069,250 4,856 SH SOLE 0 0 4,856
ISHARES TR RUS 1000 VAL ETF 464287598 1,069,065 4,410 SH SOLE 0 0 4,410
ISHARES TR MBS ETF 464288588 1,062,802 11,236 SH SOLE 0 0 11,236
BLACKROCK ETF TRUST ISHA US THEM ETF 09290C806 994,959 22,996 SH SOLE 0 0 22,996
ISHARES TR RUS MDCP VAL ETF 464287473 883,401 5,367 SH SOLE 0 0 5,367
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 861,783 9,404 SH SOLE 0 0 9,404
COCA COLA CO COM 191216100 832,664 10,246 SH SOLE 0 0 10,246
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 814,508 15,577 SH SOLE 0 0 15,577
AMERICAN CENTY ETF TR DIVERSIFIED MU 025072505 791,841 15,577 SH SOLE 0 0 15,577
ISHARES TR CORE INTL AGGR 46435G672 750,093 14,781 SH SOLE 0 0 14,781
ISHARES TR CORE S&P US VLU 464287663 677,815 6,154 SH SOLE 0 0 6,154
ISHARES TR CORE MSCI INTL 46435G326 669,307 7,519 SH SOLE 0 0 7,519
ISHARES TR CORE US AGGBD ET 464287226 645,590 6,522 SH SOLE 0 0 6,522
ISHARES GOLD TR ISHARES NEW 464285204 600,909 7,906 SH SOLE 0 0 7,906
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 542,885 727 SH SOLE 0 0 727
ISHARES TR MSCI ACWI EX US 464288240 539,587 7,090 SH SOLE 0 0 7,090
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 536,470 2,267 SH SOLE 0 0 2,267
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 511,278 17,373 SH SOLE 0 0 17,373
INVESCO QQQ TR UNIT SER 1 46090E103 444,229 603 SH SOLE 0 0 603
VANGUARD STAR FDS VG TL INTL STK F 921909768 381,657 4,464 SH SOLE 0 0 4,464
PACER FDS TR US CASH COWS 100 69374H881 371,178 5,967 SH SOLE 0 0 5,967
MERCK &CO INC COM 58933Y105 342,777 2,668 SH SOLE 0 0 2,668
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 342,671 14,815 SH SOLE 0 0 14,815
VANGUARD INDEX FDS MID CAP ETF 922908629 311,489 3,866 SH SOLE 0 0 3,866
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 307,393 11,097 SH SOLE 0 0 11,097
ISHARES TR 7-10 YR TRSY BD 464287440 306,501 3,241 SH SOLE 0 0 3,241
WISDOMTREE TR INTL EQUITY FD 97717W703 293,040 4,002 SH SOLE 0 0 4,002
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744 279,681 7,036 SH SOLE 0 0 7,036
COSTCO WHOLESALE CORPORATION COM 22160K105 276,905 296 SH SOLE 0 0 296
HARBOR ETF TRUST COMM ALL WEA ETF 41151J505 268,402 9,148 SH SOLE 0 0 9,148
MASTERCARD INCORPORATED CL A 57636Q104 253,021 493 SH SOLE 0 0 493
ISHARES TR JPMORGAN USD EMG 464288281 251,243 2,605 SH SOLE 0 0 2,605
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 227,940 3,154 SH SOLE 0 0 3,154
VANGUARD INDEX FDS SMALL CP ETF 922908751 227,075 749 SH SOLE 0 0 749
EXXON MOBIL CORP COM 30231G102 222,923 1,631 SH SOLE 0 0 1,631
SYNOPSYS INC COM 871607107 212,329 476 SH SOLE 0 0 476
AMERICAN EXPRESS CO COM 025816109 206,764 611 SH SOLE 0 0 611
ON SEMICONDUCTOR CORP COM 682189105 205,435 2,173 SH SOLE 0 0 2,173
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 203,490 5,612 SH SOLE 0 0 5,612
MCDONALDS CORP COM 580135101 202,839 750 SH SOLE 0 0 750