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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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
FIDELITY COVINGTON TRUST VLU FACTOR ETF 316092782 14,934,768 184,928 SH SOLE 0 0 0 184,928
FLEXSHARES TR NRTRN TR MRN GBL 33939L407 942,464 17,870 SH SOLE 0 0 0 17,870
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 218,837 1,052 SH SOLE 0 0 0 1,052
INVESCO QQQ TR UNIT SER 1 46090E103 7,393,481 9,994 SH SOLE 0 0 0 9,994
ISHARES INC CORE MSCI EMKT 46434G103 13,881,089 171,034 SH SOLE 0 0 0 171,034
ISHARES TR CORE MSCI EAFE 46432F842 9,928,715 102,485 SH SOLE 0 0 0 102,485
ISHARES TR MSCI USA MIN ETF 46429B697 12,961,149 133,017 SH SOLE 0 0 0 133,017
ISHARES TR MSCI INDIA ETF 46429B598 3,224,630 69,079 SH SOLE 0 0 0 69,079
ISHARES TR MSCI USA QLT FCT 46432F339 9,145,310 41,151 SH SOLE 0 0 0 41,151
ISHARES TR CORE DIV GRWTH 46434V621 11,986,825 158,998 SH SOLE 0 0 0 158,998
ISHARES TR 7-10 YR TRSY BD 464287440 4,992,439 55,900 SH SOLE 0 0 0 55,900
ISHARES TR 20 YR TR BD ETF 464287432 4,823,793 62,018 SH SOLE 0 0 0 62,018
ISHARES TR S&P 500 VAL ETF 464287408 2,205,868 9,663 SH SOLE 0 0 0 9,663
ISHARES TR CORE S&P500 ETF 464287200 18,774,685 24,515 SH SOLE 0 0 0 24,515
ISHARES TR S&P 500 GRWT ETF 464287309 2,588,199 18,193 SH SOLE 0 0 0 18,193
ISHARES TR RUS 1000 VAL ETF 464287598 2,445,577 9,864 SH SOLE 0 0 0 9,864
ISHARES TR RUS 1000 GRW ETF 464287614 2,640,099 21,077 SH SOLE 0 0 0 21,077
ISHARES TR JPMORGAN USD EMG 464288281 5,631,338 61,992 SH SOLE 0 0 0 61,992
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217 357,903 4,559 SH SOLE 0 0 0 4,559
J P MORGAN EXCHANGE TRADED F BETA EURO ET NE 46641Q191 261,544 3,455 SH SOLE 0 0 0 3,455
J P MORGAN EXCHANGE TRADED F BETA CDA ETF NEW 46641Q225 337,056 3,358 SH SOLE 0 0 0 3,358
PURECYCLE TECHNOLOGIES INC COM 74623V103 77,175 17,500 SH SOLE 0 0 0 17,500
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 7,556,801 232,303 SH SOLE 0 0 0 232,303
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,587,123 48,640 SH SOLE 0 0 0 48,640
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,644,702 45,775 SH SOLE 0 0 0 45,775
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 10,540,718 13,822 SH SOLE 0 0 0 13,822
VANECK ETF TRUST GOLD MINERS ETF 92189F106 2,178,549 24,813 SH SOLE 0 0 0 24,813
VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 1,313,852 4,498 SH SOLE 0 0 0 4,498
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 8,030,723 21,459 SH SOLE 0 0 0 21,459
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 301,488 1,302 SH SOLE 0 0 0 1,302
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 7,066,489 10,083 SH SOLE 0 0 0 10,083
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 7,775,898 99,157 SH SOLE 0 0 0 99,157
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 1,484,757 5,219 SH SOLE 0 0 0 5,219
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,614,486 178,966 SH SOLE 0 0 0 178,966
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,687,647 43,405 SH SOLE 0 0 0 43,405
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,383,989 33,763 SH SOLE 0 0 0 33,763
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 8,506,248 54,808 SH SOLE 0 0 0 54,808
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 2,727,864 43,210 SH SOLE 0 0 0 43,210