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
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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
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 40,407 420,777 SH   SOLE   0 0 420,777
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 31,039 575,324 SH   SOLE   0 0 575,324
ISHARES TR CORE US AGGBD ET 464287226 30,929 271,672 SH   SOLE   0 0 271,672
ISHARES TR CORE S&P500 ETF 464287200 22,602 56,636 SH   SOLE   0 0 56,636
SPDR SER TR BLOMBERG BRC INV 78468R200 19,481 635,795 SH   SOLE   0 0 635,795
ISHARES TR FLTG RATE NT ETF 46429B655 17,114 337,028 SH   SOLE   0 0 337,028
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 16,833 447,440 SH   SOLE   0 0 447,440
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 14,875 555,661 SH   SOLE   0 0 555,661
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 14,840 766,947 SH   SOLE   0 0 766,947
ISHARES TR IBOXX HI YD ETF 464288513 14,049 161,148 SH   SOLE   0 0 161,148
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 13,163 414,195 SH   SOLE   0 0 414,195
ISHARES TR CORE MSCI EAFE 46432F842 12,341 171,245 SH   SOLE   0 0 171,245
ISHARES TR NATIONAL MUN ETF 464288414 12,203 105,157 SH   SOLE   0 0 105,157
PIMCO ETF TR INV GRD CRP BD 72201R817 11,833 106,213 SH   SOLE   0 0 106,213
SPDR TR S&P 500 ETF TR TR UNIT 78462F103 11,432 28,844 SH   SOLE   0 0 28,844
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 10,536 141,559 SH   SOLE   0 0 141,559
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 10,379 222,676 SH   SOLE   0 0 222,676
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 10,344 348,863 SH   SOLE   0 0 348,863
ISHARES TR JPMORGAN USD EMG 464288281 10,333 94,899 SH   SOLE   0 0 94,899
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 9,600 96,319 SH   SOLE   0 0 96,319
ISHARES TR 0-5YR HI YL CP 46434V407 9,345 203,985 SH   SOLE   0 0 203,985
ISHARES TR CORE MSCI EMKT 46434G103 9,131 141,867 SH   SOLE   0 0 141,867
SPDR SER TR NUVEEN BRC MUNIC 78468R721 8,978 173,796 SH   SOLE   0 0 173,796
ISHARES TR CORE S&P MCP ETF 464287507 8,718 33,488 SH   SOLE   0 0 33,488
ISHARES TR CORE S&P SCP ETF 464287804 8,303 76,500 SH   SOLE   0 0 76,500
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,185 84,639 SH   SOLE   0 0 84,639
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 7,516 212,547 SH   SOLE   0 0 212,547
APPLE INC COM 037833100 7,507 61,453 SH   SOLE   0 0 61,453
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 7,162 197,561 SH   SOLE   0 0 197,561
ISHARES TR IBOXX INV CP ETF 464287242 7,094 54,546 SH   SOLE   0 0 54,546
ISHARES TR CORE S&P TTL STK 464287150 6,480 70,723 SH   SOLE   0 0 70,723
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 5,906 134,902 SH   SOLE   0 0 134,902
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 2,677 58,507 SH   SOLE   0 0 58,507
SPDR SER TR PORTFOLIO SM ETF 78468R853 2,517 59,550 SH   SOLE   0 0 59,550
ISHARES TR NASDAQ BIOTECH 464287556 2,201 14,618 SH   SOLE   0 0 14,618
MICROSOFT CORP COM 594918104 2,044 8,670 SH   SOLE   0 0 8,670
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 1,962 39,878 SH   SOLE   0 0 39,878
FACEBOOK INC CL A 30303M102 1,854 6,296 SH   SOLE   0 0 6,296
ISHARES TR RUS 1000 GRW ETF 464287614 1,838 7,561 SH   SOLE   0 0 7,561
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,743 13,434 SH   SOLE   0 0 13,434
JPMORGAN CHASE & CO COM 46625H100 1,509 9,911 SH   SOLE   0 0 9,911
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,250 17,142 SH   SOLE   0 0 17,142
JOHNSON & JOHNSON COM 478160104 1,023 6,222 SH   SOLE   0 0 6,222
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 956 18,635 SH   SOLE   0 0 18,635
AT&T INC COM 00206R102 928 30,644 SH   SOLE   0 0 30,644
ISHARES TR 1 3 YR TREAS BD 464287457 801 9,285 SH   SOLE   0 0 9,285
ISHARES TR CORE DIV GRWTH 46434V621 776 16,078 SH   SOLE   0 0 16,078
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 772 2,613 SH   SOLE   0 0 2,613
AMAZON COM INC COM 023135106 733 237 SH   SOLE   0 0 237
MERCK & CO INC COM 58933Y105 608 7,886 SH   SOLE   0 0 7,886
ALPHABET INC CAP STK CL A 02079K305 604 293 SH   SOLE   0 0 293
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 569 2,229 SH   SOLE   0 0 2,229
SPDR SER TR PRTFLO S&P500 HI 78468R788 550 14,289 SH   SOLE   0 0 14,289
COUPANG INC CL A 22266T109 543 11,000 SH   SOLE   0 0 11,000
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 539 8,251 SH   SOLE   0 0 8,251
BANK AMER CORP COM 060505104 508 13,132 SH   SOLE   0 0 13,132
ISHARES TR RUS 1000 VAL ETF 464287598 491 3,239 SH   SOLE   0 0 3,239
VISA INC COM CL A 92826C839 481 2,273 SH   SOLE   0 0 2,273
DISNEY WALT CO COM 254687106 474 2,567 SH   SOLE   0 0 2,567
SELECT SECTOR SPDR TR ENERGY 81369Y506 453 9,224 SH   SOLE   0 0 9,224
COCA COLA CONSOLIDATED INC COM 191098102 447 8,471 SH   SOLE   0 0 8,471
ISHARES TR US AER DEF ETF 464288760 402 3,860 SH   SOLE   0 0 3,860
LAS VEGAS SANDS CORP COM 517834107 383 6,300 SH   SOLE   0 0 6,300
HOME DEPOT INC COM 437076102 355 1,162 SH   SOLE   0 0 1,162
CISCO SYS INC COM 17275R102 341 6,602 SH   SOLE   0 0 6,602
RESTAURANT BRANDS INTL INC COM 76131D103 325 35,300 SH   SOLE   0 0 35,300
ISHARES TR RUSSELL 1000 US 46435G169 314 1,405 SH   SOLE   0 0 1,405
BOEING CO COM 097023105 313 1,230 SH   SOLE   0 0 1,230
PHILIP MORRIS INTL INC COM 718172109 309 6,038 SH   SOLE   0 0 6,038
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 303 4,989 SH   SOLE   0 0 4,989
COLGATE PALMOLIVE CO COM 194162103 302 3,830 SH   SOLE   0 0 3,830
VANGUARD WORLD FDS INF TECH ETF 92204A702 301 840 SH   SOLE   0 0 840
VERIZON COMMUNICATIONS INC COM 92343V104 292 5,013 SH   SOLE   0 0 5,013
QUALCOMM INC COM 747525103 290 2,186 SH   SOLE   0 0 2,186
BRISTOL MYERS SQUIBB CO COM 110122108 283 4,490 SH   SOLE   0 0 4,490
Procter & Gamble Co COM 742718109 266 1,964 SH   SOLE   0 0 1,964
PFIZER INC COM 717081103 258 7,112 SH   SOLE   0 0 7,112
CHEVRON CORP NEW COM 166764100 254 2,426 SH   SOLE   0 0 2,426
NEXTERA ENERGY INC COM 65339F101 250 3,308 SH   SOLE   0 0 3,308
VANGUARD INTL EQUITY INDEX FTSE EMR MKT ETF 922042858 228 4,383 SH   SOLE   0 0 4,383
CURIS INC COM NEW 231269200 226 20,000 SH   SOLE   0 0 20,000
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 222 3,684 SH   SOLE   0 0 3,684
SPDR SER TR PORTFOLIO SHORT 78464A474 221 7,204 SH   SOLE   0 0 7,204
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 215 4,462 SH   SOLE   0 0 4,462
WISDOMTREE TR COM 97717X511 207 4,050 SH   SOLE   0 0 4,050