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
3M CO COM 88579Y101 223 1,134 SH   SOLE   0 0 1,134
APPLE INC COM 037833100 371 2,006 SH   SOLE   0 0 2,006
AT&T INC COM 00206R102 248 7,722 SH   SOLE   0 0 7,722
BANK AMER CORP COM 060505104 256 9,080 SH   SOLE   0 0 9,080
COLGATE PALMOLIVE CO COM 194162103 473 7,297 SH   SOLE   0 0 7,297
GLOBAL X FDS GLBL X MLP ETF 37950E473 183 20,031 SH   SOLE   0 0 20,031
HOME DEPOT INC COM 437076102 237 1,217 SH   SOLE   0 0 1,217
INTERNATIONAL BUSINESS MACHS COM 459200101 206 1,473 SH   SOLE   0 0 1,473
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 10,164 555,702 SH   SOLE   0 0 555,702
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 5,737 216,339 SH   SOLE   0 0 216,339
ISHARES TR CORE S&P500 ETF 464287200 593 2,170 SH   SOLE   0 0 2,170
ISHARES TR RUS 1000 VAL ETF 464287598 315 2,598 SH   SOLE   0 0 2,598
ISHARES TR RUS 1000 GRW ETF 464287614 1,080 7,511 SH   SOLE   0 0 7,511
ISHARES TR JPMORGAN USD EMG 464288281 1,784 16,713 SH   SOLE   0 0 16,713
ISHARES TR NATIONAL MUN ETF 464288414 1,482 13,595 SH   SOLE   0 0 13,595
ISHARES TR FLTG RATE NT ETF 46429B655 936 18,356 SH   SOLE   0 0 18,356
ISHARES TR 0-5YR HI YL CP 46434V407 3,192 68,471 SH   SOLE   0 0 68,471
ISHARES TR HDG MSCI EAFE 46434V803 526 17,764 SH   SOLE   0 0 17,764
JOHNSON & JOHNSON COM 478160104 631 5,203 SH   SOLE   0 0 5,203
JPMORGAN CHASE & CO COM 46625H100 2,178 20,904 SH   SOLE   0 0 20,904
MERCK & CO INC COM 58933Y105 440 7,241 SH   SOLE   0 0 7,241
MICROSOFT CORP COM 594918104 330 3,347 SH   SOLE   0 0 3,347
PIMCO ETF TR ACTIVE BD ETF 72201R775 969 9,399 SH   SOLE   0 0 9,399
PIMCO ETF TR INV GRD CRP BD 72201R817 5,987 59,681 SH   SOLE   0 0 59,681
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,666 70,705 SH   SOLE   0 0 70,705
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 23,164 356,423 SH   SOLE   0 0 356,423
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,945 25,664 SH   SOLE   0 0 25,664
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 432 8,129 SH   SOLE   0 0 8,129
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,506 100,313 SH   SOLE   0 0 100,313
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,792 65,134 SH   SOLE   0 0 65,134
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,403 208,679 SH   SOLE   0 0 208,679
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,970 121,119 SH   SOLE   0 0 121,119
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 11,976 362,372 SH   SOLE   0 0 362,372
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 18,443 364,203 SH   SOLE   0 0 364,203
SCHWAB STRATEGIC TR US REIT ETF 808524847 739 17,691 SH   SOLE   0 0 17,691
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 6,159 117,693 SH   SOLE   0 0 117,693
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 489 9,833 SH   SOLE   0 0 9,833
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 408 11,321 SH   SOLE   0 0 11,321
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,487 42,084 SH   SOLE   0 0 42,084
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 225 4,486 SH   SOLE   0 0 4,486
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 241 6,153 SH   SOLE   0 0 6,153
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3,351 110,231 SH   SOLE   0 0 110,231
SPDR SER TR BLOMBERG BRC INV 78468R200 3,064 99,651 SH   SOLE   0 0 99,651
SPDR SER TR NUVEEN BRC MUNIC 78468R721 6,915 144,115 SH   SOLE   0 0 144,115
SPDR SER TR NUVEEN BLMBRG SR 78468R739 755 15,731 SH   SOLE   0 0 15,731
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,507 40,417 SH   SOLE   0 0 40,417
SPDR SER TR PORTFOLIO SM ETF 78468R853 1,330 41,196 SH   SOLE   0 0 41,196
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 1,861 55,888 SH   SOLE   0 0 55,888
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 1,884 62,454 SH   SOLE   0 0 62,454
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 6,838 245,189 SH   SOLE   0 0 245,189
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 1,439 42,329 SH   SOLE   0 0 42,329
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 1,622 46,509 SH   SOLE   0 0 46,509
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 6,357 199,412 SH   SOLE   0 0 199,412
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 2,204 46,358 SH   SOLE   0 0 46,358
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309 633 13,102 SH   SOLE   0 0 13,102
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 1,545 28,231 SH   SOLE   0 0 28,231
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 331 6,394 SH   SOLE   0 0 6,394
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 255 5,000 SH   SOLE   0 0 5,000
VERIZON COMMUNICATIONS INC COM 92343V104 202 4,015 SH   SOLE   0 0 4,015