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
ALPHABET INC CAP STK CL C 02079K107 253,317 743 SH SOLE 743 0 0
ALPS ETF TR SECTR DIV DOGS 00162Q858 866,729 12,706 SH SOLE 12,706 0 0
AMAZON COM INC COM 023135106 236,194 948 SH SOLE 948 0 0
APPLE INC COM 037833100 1,769,710 5,314 SH SOLE 5,314 0 0
CATERPILLAR INC COM 149123101 269,169 331 SH SOLE 331 0 0
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 855,327 21,621 SH SOLE 21,621 0 0
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790 3,608,044 43,339 SH SOLE 43,339 0 0
FIRST TR EXCHANGE-TRADED FD CONSUMR STAPLE 33734X119 256,297 4,433 SH SOLE 4,433 0 0
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408 789,281 13,263 SH SOLE 13,263 0 0
FIRST TR EXCHANGE-TRADED FD TECH ALPHADEX 33734X176 221,221 1,001 SH SOLE 1,001 0 0
INVENTRUST PPTYS CORP COM NEW 46124J201 246,416 8,173 SH SOLE 8,173 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,392,626 6,694 SH SOLE 6,694 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 5,571,708 7,531 SH SOLE 7,531 0 0
ISHARES GOLD TR ISHARES NEW 464285204 7,243,775 92,750 SH SOLE 92,750 0 0
ISHARES SILVER TR ISHARES 46428Q109 357,041 6,550 SH SOLE 6,550 0 0
ISHARES TR IBONDS 29 TR HI 46436E379 335,441 14,693 SH SOLE 14,693 0 0
ISHARES TR IBOXX HI YD ETF 464288513 244,538 3,167 SH SOLE 3,167 0 0
ISHARES TR IBONDS 28 TRM TS 46436E833 524,065 23,919 SH SOLE 23,919 0 0
ISHARES TR CORE US AGGBD ET 464287226 634,586 6,712 SH SOLE 6,712 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9 7,123,118 295,320 SH SOLE 295,320 0 0
ISHARES TR CORE S&P TTL STK 464287150 779,853 4,690 SH SOLE 4,690 0 0
ISHARES TR IBONDS 28 TR HI 46436E387 498,729 21,562 SH SOLE 21,562 0 0
ISHARES TR IBONDS 26 TRM TS 46436E858 880,194 38,470 SH SOLE 38,470 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 250,594 1,559 SH SOLE 1,559 0 0
ISHARES TR IBDS DEC28 ETF 46435U515 4,762,842 190,819 SH SOLE 190,819 0 0
ISHARES TR CORE MSCI EAFE 46432F842 583,144 6,019 SH SOLE 6,019 0 0
ISHARES TR EAFE GRWTH ETF 464288885 960,835 8,018 SH SOLE 8,018 0 0
ISHARES TR CORE S&P500 ETF 464287200 973,799 1,271 SH SOLE 1,271 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 1,638,176 58,590 SH SOLE 58,590 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 3,369,510 33,796 SH SOLE 33,796 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,659,464 23,064 SH SOLE 23,064 0 0
ISHARES TR IBON 2027 TE ETF 46436E478 620,120 28,472 SH SOLE 28,472 0 0
ISHARES TR U.S. UTILITS ETF 464287697 412,536 4,091 SH SOLE 4,091 0 0
ISHARES TR IBONDS 29 TRM TS 46436E825 352,717 16,618 SH SOLE 16,618 0 0
ISHARES TR IBON 2026 TE ETF 46436E528 900,389 39,964 SH SOLE 39,964 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,013,963 15,181 SH SOLE 15,181 0 0
ISHARES TR IBONDS 27 TRM TS 46436E841 636,968 28,538 SH SOLE 28,538 0 0
ISHARES TR IBONDS DEC 29 46436E205 2,551,763 112,462 SH SOLE 112,462 0 0
ISHARES TR U.S. TECH ETF 464287721 441,059 1,665 SH SOLE 1,665 0 0
ISHARES TR U.S. MED DVC ETF 464288810 1,615,368 31,581 SH SOLE 31,581 0 0
ISHARES TR MSCI EAFE ETF 464287465 11,169,566 107,513 SH SOLE 107,513 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 593,442 11,996 SH SOLE 11,996 0 0
ISHARES TR RUS 1000 ETF 464287622 414,465 996 SH SOLE 996 0 0
ISHARES TR IBONDS DEC2026 46435GAA0 8,101,861 334,235 SH SOLE 334,235 0 0
ISHARES TR RUS MID CAP ETF 464287499 321,377 3,011 SH SOLE 3,011 0 0
ISHARES TR TIPS BD ETF 464287176 1,597,215 15,351 SH SOLE 15,351 0 0
ISHARES TR EAFE VALUE ETF 464288877 1,589,898 20,089 SH SOLE 20,089 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 5,200,369 126,069 SH SOLE 126,069 0 0
ISHARES TR IBONDS DEC 2030 46436E726 1,172,488 55,463 SH SOLE 55,463 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 460,529 1,657 SH SOLE 1,657 0 0
ISHARES TR CORE S&P SCP ETF 464287804 4,306,749 31,657 SH SOLE 31,657 0 0
ISHARES TR S&P MC 400VL ETF 464287705 236,861 1,720 SH SOLE 1,720 0 0
JOHNSON & JOHNSON COM 478160104 236,032 891 SH SOLE 891 0 0
MICROSOFT CORP COM 594918104 302,341 589 SH SOLE 589 0 0
PRUDENTIAL FINL INC COM 744320102 269,185 2,370 SH SOLE 2,370 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 1,178,814 49,738 SH SOLE 49,738 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 371,473 11,152 SH SOLE 11,152 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,021,804 92,892 SH SOLE 92,892 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 16,387,409 559,106 SH SOLE 559,106 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 7,039,744 234,658 SH SOLE 234,658 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,332,849 105,846 SH SOLE 105,846 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,282,750 46,696 SH SOLE 46,696 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 6,515,454 181,337 SH SOLE 181,337 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,060,371 44,441 SH SOLE 44,441 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 666,107 20,413 SH SOLE 20,413 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 253,738 10,097 SH SOLE 10,097 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 5,057,100 235,872 SH SOLE 235,872 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,304,427 185,315 SH SOLE 185,315 0 0
SCHWAB STRATEGIC TR LONG TERM US 808524680 262,979 9,240 SH SOLE 9,240 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,398,186 38,359 SH SOLE 38,359 0 0
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 577,599 14,645 SH SOLE 14,645 0 0
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 211,402 1,255 SH SOLE 1,255 0 0
SELECT SECTOR SPDR TR ST STR DISCR ETF 81369Y407 1,429,389 13,132 SH SOLE 13,132 0 0
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 1,155,086 6,917 SH SOLE 6,917 0 0
SELECT SECTOR SPDR TR ST STR REAL ETF 81369Y860 244,111 5,967 SH SOLE 5,967 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 2,191,161 11,193 SH SOLE 11,193 0 0
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 1,417,673 17,589 SH SOLE 17,589 0 0
SPDR GOLD TR GOLD SHS 78463V107 670,278 1,760 SH SOLE 1,760 0 0
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 399,019 7,947 SH SOLE 7,947 0 0
SPDR SERIES TRUST ST PORT HIGH ETF 78468R606 452,985 20,052 SH SOLE 20,052 0 0
SPDR SERIES TRUST ST STR NYSE TECH 78464A102 293,140 767 SH SOLE 767 0 0
SPDR SERIES TRUST ST STR P500GRW 78464A409 424,257 3,447 SH SOLE 3,447 0 0
SPDR SERIES TRUST ST STR SP HOME 78464A888 371,156 3,865 SH SOLE 3,865 0 0
SPROTT ASSET MANAGEMENT LP PHYSICAL GOLD AN 85208R101 611,593 14,723 SH SOLE 14,723 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 5,119,213 6,712 SH SOLE 6,712 0 0
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 223,938 341 SH SOLE 341 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 1,463,469 2,403 SH SOLE 2,403 0 0
VANECK ETF TRUST IG FLOA RATE ETF 92189F486 2,965,463 115,883 SH SOLE 115,883 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 291,967 2,761 SH SOLE 2,761 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 753,921 9,868 SH SOLE 9,868 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,207,211 17,209 SH SOLE 17,209 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,037,377 11,573 SH SOLE 11,573 0 0
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 1,613,862 5,672 SH SOLE 5,672 0 0
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 14,427,118 66,767 SH SOLE 66,767 0 0
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 965,649 12,313 SH SOLE 12,313 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 3,764,106 10,058 SH SOLE 10,058 0 0
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 3,578,103 39,708 SH SOLE 39,708 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 21,073,487 30,068 SH SOLE 30,068 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,469,866 24,782 SH SOLE 24,782 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,357,335 69,350 SH SOLE 69,350 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 780,385 2,268 SH SOLE 2,268 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 386,023 5,635 SH SOLE 5,635 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,996,482 12,843 SH SOLE 12,843 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 6,415,154 75,507 SH SOLE 75,507 0 0
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 3,832,597 10,509 SH SOLE 10,509 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 6,765,671 21,404 SH SOLE 21,404 0 0
VANGUARD WORLD FD CONSUM STP ETF 92204A207 5,004,077 22,932 SH SOLE 22,932 0 0
VANGUARD WORLD FD MATERIALS ETF 92204A801 679,163 3,113 SH SOLE 3,113 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 20,979,625 166,942 SH SOLE 166,942 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876 2,652,871 15,513 SH SOLE 15,513 0 0
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 3,181,907 9,927 SH SOLE 9,927 0 0
VANGUARD WORLD FD ENERGY ETF 92204A306 540,582 3,140 SH SOLE 3,140 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405 2,722,330 20,926 SH SOLE 20,926 0 0
VANGUARD WORLD FD COMM SRVC ETF 92204A884 2,325,050 12,199 SH SOLE 12,199 0 0
WELLTOWER INC COM 95040Q104 790,874 3,435 SH SOLE 3,435 0 0