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
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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
Alphabet Inc CAP STK CL A 02079K305 359,872 1,007 SH SOLE 0 0 0
Alphabet Inc CAP STK CL C 02079K107 271,004 767 SH SOLE 0 0 0
Apple Inc COM 037833100 927,157 3,204 SH SOLE 0 0 0
Cigna Corp COM 125523100 648,124 2,351 SH SOLE 0 0 0
Exxon Mobil Corporation COM 30231G102 525,278 3,842 SH SOLE 0 0 0
Gldmn Schs Acs Inv Grd ACCESS INVT GR 381430479 484,508 10,553 SH SOLE 0 0 0
International Business Machine COM 459200101 823,102 2,927 SH SOLE 0 0 0
Invesco S&P 500 Low Volatility S&P500 LOW VOL 46138E354 368,647 4,922 SH SOLE 0 0 0
Invesco Senior Loan ETF SR LN ETF 46138G508 2,527,849 124,097 SH SOLE 0 0 0
Ishares Core CORE 30/70 CONSE 464289883 400,424 9,653 SH SOLE 0 0 0
Ishares Core Aggressive CORE 80/20 AGGRE 464289859 314,307 3,220 SH SOLE 0 0 0
Ishares Core Growth CORE 60/40 BALAN 464289867 344,988 4,964 SH SOLE 0 0 0
Ishares Core Msci CORE MSCI EMKT 46434G103 261,640 3,158 SH SOLE 0 0 0
Ishares Core Msci Intrl CORE MSCI INTL 46435G326 1,025,621 11,523 SH SOLE 0 0 0
Ishares Core Msci Total CORE MSCI TOTAL 46432F834 545,103 5,711 SH SOLE 0 0 0
Ishares Core RUSsell Us CORE S&P US GWT 464287671 4,303,284 22,879 SH SOLE 0 0 0
iShares Core S&P ETF MidCap CORE S&P MCP ETF 464287507 1,985,805 25,753 SH SOLE 0 0 0
iShares Core S&P ETF SmallCap CORE S&P SCP ETF 464287804 1,717,775 11,582 SH SOLE 0 0 0
iShares Core S&P US Value ETF CORE S&P US VLU 464287663 2,969,658 26,960 SH SOLE 0 0 0
Ishares Core US CORE US AGGBD ET 464287226 3,162,789 31,954 SH SOLE 0 0 0
Ishares Interntinl CORE INTL AGGR 46435G672 1,304,275 25,776 SH SOLE 0 0 0
Ishares Morningstar MORNINGSTAR GRWT 464287119 530,017 4,529 SH SOLE 0 0 0
iShares Russell 1000 Value ETF RUS 1000 VAL ETF 464287598 234,135 966 SH SOLE 0 0 0
iShares S&P 500 Growth S&P 500 S&P 500 GRWT ETF 464287309 716,867 5,212 SH SOLE 0 0 0
iShares S&P 500 Value S&P 500 S&P 500 VAL ETF 464287408 678,606 2,989 SH SOLE 0 0 0
iShares S&P SmCap Value Value SP SMCP600VL ETF 464287879 1,044,872 7,645 SH SOLE 0 0 0
Ishares Short Term ISHS 1-5YR INVS 464288646 200,872 3,833 SH SOLE 0 0 0
Ishares Short Treasury TRUST ISHARE 0-1 464288679 474,593 4,301 SH SOLE 0 0 0
Ishares Total Usd Bond CORE UNIVRSL USD 46434V613 576,509 12,492 SH SOLE 0 0 0
iShares Tr MSCI EAFE ETF MSCI EAFE ETF 464287465 2,232,860 21,495 SH SOLE 0 0 0
iShares Tr TIPS Bond ETF TIPS BD ETF 464287176 2,504,818 22,890 SH SOLE 0 0 0
iShares:Lehm 1-3 Trs 1 3 YR TREAS BD 464287457 1,101,941 13,420 SH SOLE 0 0 0
iShares:S&P 500 Index CORE S&P500 ETF 464287200 229,937 307 SH SOLE 0 0 0
iSharesTr Russell 1000 Growth RUS 1000 GRW ETF 464287614 364,439 2,935 SH SOLE 0 0 0
Johnson & Johnson COM 478160104 227,777 897 SH SOLE 0 0 0
JPMorgan Chase & Co COM 46625H100 435,349 1,330 SH SOLE 0 0 0
Microsoft Corporation COM 594918104 916,394 2,457 SH SOLE 0 0 0
Sch St US Trsr Etf SHT TM US TRES 808524862 5,697,820 236,032 SH SOLE 0 0 0
Sch US Agg Bnd Etf US AGGREGATE B 808524839 4,101,391 177,319 SH SOLE 0 0 0
Sch US Tips Etf US TIPS ETF 808524870 2,019,741 76,217 SH SOLE 0 0 0
Schw Intl Eq ETF INTL EQTY ETF 808524805 5,264,056 190,038 SH SOLE 0 0 0
Schw US LCap Gro ETF US LCAP GR ETF 808524300 8,095,052 239,215 SH SOLE 0 0 0
Schw US LCap Val ETF US LCAP VA ETF 808524409 6,626,655 190,366 SH SOLE 0 0 0
Schw US SCap ETF US SML CAP ETF 808524607 4,023,292 111,356 SH SOLE 0 0 0
Schwab Intermediate Term INT-TRM U.S TRES 808524854 412,795 16,739 SH SOLE 0 0 0
Schwab US Mid-Cap ETF US MID-CAP ETF 808524508 4,792,056 129,972 SH SOLE 0 0 0
Spdr Blmbrg Brcly Inv Gr ST STR RATE ETF 78468R200 358,730 11,628 SH SOLE 0 0 0
Spdr Portfolio Dvlpd ST STR PO EX ETF 78463X889 6,079,931 120,657 SH SOLE 0 0 0
Spdr Portfolio High ST PORT HIGH ETF 78468R606 200,273 8,544 SH SOLE 0 0 0
Spdr Portfolio S&P ST STR P400MID 78464A847 1,025,510 15,179 SH SOLE 0 0 0
Spdr Portfolio S&P 600 ST STR SP600 SML 78468R853 813,138 14,100 SH SOLE 0 0 0
SPDR S&P 500 ETF Tr Expiring 0 TR UNIT 78462F103 1,511,397 2,024 SH SOLE 0 0 0
Spdr S&P 500 Growth Etf ST STR P500GRW 78464A409 638,610 5,367 SH SOLE 0 0 0
Spdr S&P 500 Value Etf ST STR P500VAL 78464A508 2,391,224 39,336 SH SOLE 0 0 0
Vanguard Bond Index Fund Inter INTERMED TERM 921937819 231,476 3,018 SH SOLE 0 0 0
Vanguard Bond Index Fund Short SHORT TRM BOND 921937827 5,267,594 67,611 SH SOLE 0 0 0
Vanguard Bond Index Fund Total TOTAL BND MRKT 921937835 5,557,267 75,702 SH SOLE 0 0 0
Vanguard Corp Bond ETF Interme INT-TERM CORP 92206C870 361,653 4,376 SH SOLE 0 0 0
Vanguard FTSE Emerging Markets FTSE EMR MKT ETF 922042858 1,560,608 26,145 SH SOLE 0 0 0
Vanguard FTSE ETF VAN FTSE DEV MKT 921943858 1,115,900 15,662 SH SOLE 0 0 0
Vanguard Growth GROWTH ETF 922908736 8,472,394 98,356 SH SOLE 0 0 0
Vanguard Intl Eqty IndexFTSE A ALLWRLD EX US 922042775 5,368,518 64,102 SH SOLE 0 0 0
Vanguard Mid Cap MID CAP ETF 922908629 4,485,420 55,671 SH SOLE 0 0 0
Vanguard Russell VNG RUS1000GRW 92206C680 1,834,452 14,353 SH SOLE 0 0 0
Vanguard Russell VNG RUS1000VAL 92206C714 3,744,578 35,223 SH SOLE 0 0 0
Vanguard S&P Mid Cap MIDCP 400 IDX 921932885 2,563,272 19,657 SH SOLE 0 0 0
Vanguard S&P Small Cap SMLLCP 600 IDX 921932828 2,387,336 17,357 SH SOLE 0 0 0
Vanguard Short Term SHORT TERM TREAS 92206C102 937,560 16,109 SH SOLE 0 0 0
Vanguard Small Cap SMALL CP ETF 922908751 1,118,572 3,690 SH SOLE 0 0 0
Vanguard Small Cap Value SM CP VAL ETF 922908611 4,263,421 17,546 SH SOLE 0 0 0
Vanguard Total VG TL INTL STK F 921909768 6,167,635 72,145 SH SOLE 0 0 0
Vanguard Total Corporate TOTAL CORP BND 92206C573 2,949,928 38,411 SH SOLE 0 0 0
Vanguard Total International B TOTAL INT BD ETF 92203J407 7,367,052 152,118 SH SOLE 0 0 0
Vanguard Total Stock Mkt TOTAL STK MKT 922908769 422,587 1,142 SH SOLE 0 0 0
Vanguard Ultra Short VANGUARD ULTRA 92203C303 789,253 15,855 SH SOLE 0 0 0
Vanguard Value VALUE ETF 922908744 9,160,248 42,033 SH SOLE 0 0 0