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
SPDR SER TR PORTFOLIO INTRMD 78464A375 17,662 487,221 SH   SOLE   0 0 487,221
PFIZER INC COM 717081103 865 23,869 SH   SOLE   0 0 23,869
ATKORE INC COM 047649108 695 9,668 SH   SOLE   0 0 9,668
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 10,534 331,465 SH   SOLE   0 0 331,465
ISHARES TR MSCI USA MULTIFT 46434V282 225 5,544 SH   SOLE   0 0 5,544
ISHARES TR TIPS BD ETF 464287176 270 2,154 SH   SOLE   0 0 2,154
VANECK VECTORS ETF TR MTG REIT INCOME 92189F452 2,201 116,138 SH   SOLE   0 0 116,138
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 7,470 94,414 SH   SOLE   0 0 94,414
PGIM ETF TR ACTV HY BD ETF 69344A206 9,210 225,173 SH   SOLE   0 0 225,173
AMAZON COM INC COM 023135106 476 154 SH   SOLE   0 0 154
CATERPILLAR INC COM 149123101 203 876 SH   SOLE   0 0 876
AT&T INC COM 00206R102 830 27,416 SH   SOLE   0 0 27,416
APPLE INC COM 037833100 1,259 10,306 SH   SOLE   0 0 10,306
QUALCOMM INC COM 747525103 1,080 8,143 SH   SOLE   0 0 8,143
SPDR SER TR S&P SEMICNDCTR 78464A862 5,132 28,075 SH   SOLE   0 0 28,075
PHILIP MORRIS INTL INC COM 718172109 841 9,474 SH   SOLE   0 0 9,474
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 13,419 134,632 SH   SOLE   0 0 134,632
PROCTER AND GAMBLE CO COM 742718109 559 4,131 SH   SOLE   0 0 4,131
VIVINT SMART HOME INC COM CL A 928542109 1,194 83,405 SH   SOLE   0 0 83,405
REALTY INCOME CORP COM 756109104 787 12,397 SH   SOLE   0 0 12,397
INTEL CORP COM 458140100 1,313 20,520 SH   SOLE   0 0 20,520
EXTRA SPACE STORAGE INC COM 30225T102 1,001 7,550 SH   SOLE   0 0 7,550
KRANESHARES TR QUADRTC INT RT 500767736 2,712 94,904 SH   SOLE   0 0 94,904
JPMORGAN CHASE & CO COM 46625H100 317 2,081 SH   SOLE   0 0 2,081
LUMEN TECHNOLOGIES INC COM 550241103 350 26,186 SH   SOLE   0 0 26,186
SPIRIT RLTY CAP INC NEW COM NEW 84860W300 339 7,968 SH   SOLE   0 0 7,968
SYSCO CORP COM 871829107 352 4,474 SH   SOLE   0 0 4,474
HUDBAY MINERALS INC COM 443628102 96 14,019 SH   SOLE   0 0 14,019
ABBVIE INC COM 00287Y109 1,017 9,399 SH   SOLE   0 0 9,399
ISHARES INC JP MORGAN EM ETF 464286517 2,948 69,244 SH   SOLE   0 0 69,244
SENSEONICS HLDGS INC COM 81727U105 132 50,000 SH   SOLE   0 0 50,000
ISHARES INC CORE MSCI EMKT 46434G103 324 5,033 SH   SOLE   0 0 5,033
PACKAGING CORP AMER COM 695156109 896 6,659 SH   SOLE   0 0 6,659
PGIM ETF TR ULTRA SHORT 69344A107 880 17,650 SH   SOLE   0 0 17,650
HELMERICH & PAYNE INC COM 423452101 976 36,192 SH   SOLE   0 0 36,192
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,065 54,893 SH   SOLE   0 0 54,893
ISHARES TR CORE S&P TTL STK 464287150 5,276 57,602 SH   SOLE   0 0 57,602
LTC PPTYS INC COM 502175102 865 20,740 SH   SOLE   0 0 20,740
FACEBOOK INC CL A 30303M102 479 1,627 SH   SOLE   0 0 1,627
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,194 16,379 SH   SOLE   0 0 16,379
HUMANA INC COM 444859102 298 710 SH   SOLE   0 0 710
ADVANCED MICRO DEVICES INC COM 007903107 321 4,090 SH   SOLE   0 0 4,090
COCA COLA CO COM 191216100 855 16,221 SH   SOLE   0 0 16,221
VERIZON COMMUNICATIONS INC COM 92343V104 851 14,637 SH   SOLE   0 0 14,637
NVIDIA CORPORATION COM 67066G104 390 731 SH   SOLE   0 0 731
SCHWAB STRATEGIC TR US TIPS ETF 808524870 4,286 70,074 SH   SOLE   0 0 70,074
DOMINION ENERGY INC COM 25746U109 837 11,022 SH   SOLE   0 0 11,022
FIRST AMERN FINL CORP COM 31847R102 883 15,594 SH   SOLE   0 0 15,594
MICROSOFT CORP COM 594918104 2,351 9,974 SH   SOLE   0 0 9,974
DEVON ENERGY CORP NEW COM 25179M103 538 24,642 SH   SOLE   0 0 24,642
WP CAREY INC COM 92936U109 873 12,333 SH   SOLE   0 0 12,333
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 96,452 1,004,397 SH   SOLE   0 0 1,004,397
STARBUCKS CORP COM 855244109 214 1,963 SH   SOLE   0 0 1,963
SUNRUN INC COM 86771W105 958 15,832 SH   SOLE   0 0 15,832
MCDONALDS CORP COM 580135101 246 1,099 SH   SOLE   0 0 1,099
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 1,012 16,883 SH   SOLE   0 0 16,883
ALPHABET INC CAP STK CL A 02079K305 258 125 SH   SOLE   0 0 125
ANTHEM INC COM 036752103 253 706 SH   SOLE   0 0 706
CIGNA CORP NEW COM 125523100 366 1,516 SH   SOLE   0 0 1,516
CONTINENTAL RES INC COM 212015101 463 17,891 SH   SOLE   0 0 17,891
COMPUTER PROGRAMS & SYS INC COM 205306103 331 10,810 SH   SOLE   0 0 10,810
ENBRIDGE INC COM 29250N105 921 25,309 SH   SOLE   0 0 25,309
ALPHABET INC CAP STK CL C 02079K107 240 116 SH   SOLE   0 0 116
ISHARES TR BROAD USD HIGH 46435U853 425 10,324 SH   SOLE   0 0 10,324
EMERSON ELEC CO COM 291011104 999 11,069 SH   SOLE   0 0 11,069
GMS INC COM 36251C103 528 12,657 SH   SOLE   0 0 12,657
ISHARES TR MODERT ALLOC ETF 464289875 264 6,057 SH   SOLE   0 0 6,057
CONOCOPHILLIPS COM 20825C104 370 6,987 SH   SOLE   0 0 6,987
WHITE MTNS INS GROUP LTD COM G9618E107 319 286 SH   SOLE   0 0 286
JOHNSON & JOHNSON COM 478160104 210 1,281 SH   SOLE   0 0 1,281
AES CORP COM 00130H105 446 16,620 SH   SOLE   0 0 16,620
SEAGATE TECHNOLOGY PLC SHS G7945M107 1,056 13,765 SH   SOLE   0 0 13,765