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
Estimated average burden
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 MBS ETF 464288588 4,655 42,981 SH   SOLE   0 0 42,981
ISHARES TR RUS 1000 GRW ETF 464287614 2,141 13,415 SH   SOLE   0 0 13,415
ISHARES TR US TREAS BD ETF 46429B267 10,208 387,755 SH   SOLE   0 0 387,755
INVESCO EXCHNG TRADED FD TR S&P MIDCP LOW 46138E198 13,292 252,657 SH   SOLE   0 0 252,657
CISCO SYS INC COM 17275R102 201 4,077 SH   SOLE   0 0 4,077
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,122 93,495 SH   SOLE   0 0 93,495
ISHARES TR RUS MD CP GR ETF 464287481 385 2,721 SH   SOLE   0 0 2,721
EXXON MOBIL CORP COM 30231G102 356 5,048 SH   SOLE   0 0 5,048
MICROSOFT CORP COM 594918104 1,051 7,557 SH   SOLE   0 0 7,557
ANALOG DEVICES INC COM 032654105 800 7,160 SH   SOLE   0 0 7,160
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 697 8,659 SH   SOLE   0 0 8,659
HOME DEPOT INC COM 437076102 484 2,086 SH   SOLE   0 0 2,086
ISHARES TR CORE S&P500 ETF 464287200 1,822 6,104 SH   SOLE   0 0 6,104
VANGUARD INDEX FDS TOTAL STK MKT 922908769 393 2,600 SH   SOLE   0 0 2,600
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 549 6,184 SH   SOLE   0 0 6,184
UNITED TECHNOLOGIES CORP COM 913017109 232 1,700 SH   SOLE   0 0 1,700
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 270 8,456 SH   SOLE   0 0 8,456
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 8,988 158,973 SH   SOLE   0 0 158,973
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 817 3,929 SH   SOLE   0 0 3,929
ISHARES TR IBOXX INV CP ETF 464287242 1,324 10,388 SH   SOLE   0 0 10,388
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 1,949 63,431 SH   SOLE   0 0 63,431
ISHARES TR SELECT DIVID ETF 464287168 570 5,590 SH   SOLE   0 0 5,590
CHEVRON CORP NEW COM 166764100 265 2,234 SH   SOLE   0 0 2,234
ISHARES TR CORE US AGGBD ET 464287226 8,056 71,182 SH   SOLE   0 0 71,182
ISHARES TR MIN VOL EAFE ETF 46429B689 10,545 143,899 SH   SOLE   0 0 143,899
ISHARES TR INTRM TR CRP ETF 464288638 4,245 73,287 SH   SOLE   0 0 73,287
INVESCO QQQ TR UNIT SER 1 46090E103 303 1,607 SH   SOLE   0 0 1,607
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 446 18,556 SH   SOLE   0 0 18,556
ISHARES TR USA MOMENTUM FCT 46432F396 2,346 19,672 SH   SOLE   0 0 19,672
ISHARES TR 20 YR TR BD ETF 464287432 1,761 12,305 SH   SOLE   0 0 12,305
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 6,698 61,971 SH   SOLE   0 0 61,971
PIMCO ETF TR INV GRD CRP BD 72201R817 1,255 11,440 SH   SOLE   0 0 11,440
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,817 69,088 SH   SOLE   0 0 69,088
INVESCO EXCHNG TRADED FD TR S&P EMRNG MKTS 46138E297 9,847 433,005 SH   SOLE   0 0 433,005
ISHARES TR GLOBAL TECH ETF 464287291 6,492 35,100 SH   SOLE   0 0 35,100
APPLIED INDL TECHNOLOGIES IN COM 03820C105 243 4,274 SH   SOLE   0 0 4,274
READY CAP CORP COM 75574U101 246 15,460 SH   SOLE   0 0 15,460
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,062 64,732 SH   SOLE   0 0 64,732
JOHNSON & JOHNSON COM 478160104 525 4,059 SH   SOLE   0 0 4,059
DELL TECHNOLOGIES INC CL C 24703L202 214 4,129 SH   SOLE   0 0 4,129
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,218 14,500 SH   SOLE   0 0 14,500
ISHARES INC CORE MSCI EMKT 46434G103 4,745 96,788 SH   SOLE   0 0 96,788
ISHARES TR RUSSELL 2000 ETF 464287655 2,230 14,738 SH   SOLE   0 0 14,738
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 7,619 107,279 SH   SOLE   0 0 107,279
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 238 4,201 SH   SOLE   0 0 4,201
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 29,100 410,260 SH   SOLE   0 0 410,260
ISHARES TR MSCI MIN VOL ETF 46429B697 45,144 704,274 SH   SOLE   0 0 704,274
ISHARES TR RUS 1000 VAL ETF 464287598 1,603 12,497 SH   SOLE   0 0 12,497
ADOBE INC COM 00724F101 221 800 SH   SOLE   0 0 800
ISHARES TR RUS 1000 ETF 464287622 1,450 8,812 SH   SOLE   0 0 8,812
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,115 3,758 SH   SOLE   0 0 3,758
WELLS FARGO CO NEW COM 949746101 332 6,592 SH   SOLE   0 0 6,592
APPLE INC COM 037833100 339 1,516 SH   SOLE   0 0 1,516
ISHARES TR CORE S&P MCP ETF 464287507 1,491 7,716 SH   SOLE   0 0 7,716
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 6,136 118,318 SH   SOLE   0 0 118,318
ISHARES US ETF TR SHT MAT BD ETF 46431W507 4,519 89,762 SH   SOLE   0 0 89,762
XCEL ENERGY INC COM 98389B100 204 3,151 SH   SOLE   0 0 3,151
ISHARES TR CORE MSCI EAFE 46432F842 7,570 123,949 SH   SOLE   0 0 123,949