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
ISHARES TR CORE US AGGBD ET 464287226 25,581 221,706 SH   SOLE   0 0 221,706
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 25,262 465,493 SH   SOLE   0 0 465,493
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 24,700 403,258 SH   SOLE   0 0 403,258
SPDR SER TR BLOMBERG BRC INV 78468R200 18,774 638,556 SH   SOLE   0 0 638,556
ISHARES TR FLTG RATE NT ETF 46429B655 17,820 365,571 SH   SOLE   0 0 365,571
ISHARES TR CORE S&P500 ETF 464287200 12,288 47,440 SH   SOLE   0 0 47,440
ISHARES TR NATIONAL MUN ETF 464288414 10,926 96,682 SH   SOLE   0 0 96,682
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 10,869 420,639 SH   SOLE   0 0 420,639
ISHARES TR IBOXX HI YD ETF 464288513 10,314 133,796 SH   SOLE   0 0 133,796
SPDR TR S&P 500 ETF TR TR UNIT 78462F103 9,731 37,755 SH   SOLE   0 0 37,755
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 9,436 569,108 SH   SOLE   0 0 569,108
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 8,749 365,913 SH   SOLE   0 0 365,913
PIMCO ETF TR INV GRD CRP BD 72201R817 8,707 82,246 SH   SOLE   0 0 82,246
SPDR SER TR NUVEEN BRC MUNIC 78468R721 8,503 170,062 SH   SOLE   0 0 170,062
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 8,419 278,586 SH   SOLE   0 0 278,586
ISHARES TR CORE MSCI EAFE 46432F842 8,293 166,079 SH   SOLE   0 0 166,079
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 7,024 232,184 SH   SOLE   0 0 232,184
ISHARES TR JPMORGAN USD EMG 464288281 6,900 71,353 SH   SOLE   0 0 71,353
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 6,509 314,573 SH   SOLE   0 0 314,573
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 5,934 247,885 SH   SOLE   0 0 247,885
ISHARES TR IBOXX INV CP ETF 464287242 5,452 44,129 SH   SOLE   0 0 44,129
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,398 89,326 SH   SOLE   0 0 89,326
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,364 127,224 SH   SOLE   0 0 127,224
ISHARES TR 0-5YR HI YL CP 46434V407 5,263 128,776 SH   SOLE   0 0 128,776
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 4,823 141,819 SH   SOLE   0 0 141,819
ISHARES TR CORE S&P TTL STK 464287150 4,726 82,460 SH   SOLE   0 0 82,460
ISHARES TR CORE S&P MCP ETF 464287507 4,709 32,685 SH   SOLE   0 0 32,685
ISHARES TR CORE MSCI EMKT 46434G103 4,661 115,071 SH   SOLE   0 0 115,071
APPLE INC COM 037833100 4,288 16,861 SH   SOLE   0 0 16,861
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,099 79,564 SH   SOLE   0 0 79,564
ISHARES TR CORE S&P SCP ETF 464287804 3,667 65,250 SH   SOLE   0 0 65,250
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 3,634 127,687 SH   SOLE   0 0 127,687
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,447 76,639 SH   SOLE   0 0 76,639
ISHARES TR CORE DIV GRWTH 46434V621 2,531 77,638 SH   SOLE   0 0 77,638
ISHARES TR NASDAQ BIOTECH 464287556 1,683 15,618 SH   SOLE   0 0 15,618
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 1,473 58,141 SH   SOLE   0 0 58,141
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 1,448 46,039 SH   SOLE   0 0 46,039
MICROSOFT CORP COM 594918104 1,396 8,854 SH   SOLE   0 0 8,854
JPMORGAN CHASE & CO COM 46625H100 1,292 14,354 SH   SOLE   0 0 14,354
SPDR SER TR PORTFOLIO SM ETF 78468R853 1,172 53,643 SH   SOLE   0 0 53,643
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,148 46,670 SH   SOLE   0 0 46,670
ISHARES TR RUS 1000 GRW ETF 464287614 1,048 6,956 SH   SOLE   0 0 6,956
FACEBOOK INC CL A 30303M102 1,047 6,274 SH   SOLE   0 0 6,274
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,025 12,866 SH   SOLE   0 0 12,866
AT&T INC COM 00206R102 983 33,725 SH   SOLE   0 0 33,725
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 803 15,527 SH   SOLE   0 0 15,527
AMERICAN INTL GROUP INC COM NEW COM NEW 026874784 780 32,148 SH   SOLE   0 0 32,148
IOVANCE BIOTHERAPEUTICS INC COM 462260100 748 25,000 SH   SOLE   0 0 25,000
MERCK & CO INC COM 58933Y105 710 9,229 SH   SOLE   0 0 9,229
ISHARES TR 1 3 YR TREAS BD 464287457 693 8,000 SH   SOLE   0 0 8,000
JOHNSON & JOHNSON COM 478160104 666 5,080 SH   SOLE   0 0 5,080
AMAZON COM INC COM 023135106 659 338 SH   SOLE   0 0 338
BERKSHIRE HATHAWAY INC DEL CL A 084670108 544 200 SH   SOLE   0 0 200
COCA COLA CONSOLIDATED INC COM 191098102 371 8,383 SH   SOLE   0 0 8,383
MADRIGAL PHARMACEUTICALS INC COM 558868105 367 5,500 SH   SOLE   0 0 5,500
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 367 8,284 SH   SOLE   0 0 8,284
COLGATE PALMOLIVE CO COM 194162103 356 5,364 SH   SOLE   0 0 5,364
BRISTOL MYERS SQUIBB CO COM 110122108 341 6,125 SH   SOLE   0 0 6,125
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 338 1,851 SH   SOLE   0 0 1,851
BANK AMER CORP COM 060505104 332 15,632 SH   SOLE   0 0 15,632
VISA INC COM CL A 92826C839 302 1,875 SH   SOLE   0 0 1,875
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 301 2,074 SH   SOLE   0 0 2,074
ALPHABET INC CAP STK CL A 02079K305 296 255 SH   SOLE   0 0 255
VERIZON COMMUNICATIONS INC COM 92343V104 295 5,484 SH   SOLE   0 0 5,484
ISHARES TR RUS 1000 VAL ETF 464287598 273 2,751 SH   SOLE   0 0 2,751
BOEING CO COM 097023105 270 1,812 SH   SOLE   0 0 1,812
ESPERION THERAPEUTICS INC NE COM 29664W105 268 8,500 SH   SOLE   0 0 8,500
ISHARES TR HDG MSCI EAFE 46434V803 256 10,564 SH   SOLE   0 0 10,564
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 252 6,148 SH   SOLE   0 0 6,148
SELECT SECTOR SPDR TR ENERGY 81369Y506 219 7,527 SH   SOLE   0 0 7,527
PFIZER INC COM 717081103 217 6,659 SH   SOLE   0 0 6,659
QUALCOMM INC COM 747525103 213 3,152 SH   SOLE   0 0 3,152
WISDOMTREE TR COM 97717X511 209 4,050 SH   SOLE   0 0 4,050
SPDR SER TR PORTFOLIO SHORT 78464A474 201 6,549 SH   SOLE   0 0 6,549
CONSOLIDATED EDISON INC COM 209115104 220 2,425 SH   SOLE   0 0 2,425
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 212 3,589 SH   SOLE   0 0 3,589
WISDOMTREE TR COM 97717X511 212 4,050 SH   SOLE   0 0 4,050
VANGUARD INDEX FDS TOTAL STK MKT 922908769 210 1,283 SH   SOLE   0 0 1,283
VANGUARD WORLD FDS INF TECH ETF 92204A702 206 840 SH   SOLE   0 0 840