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
Schwab Strategic TR US SML CAP ETF 808524607 1,425 24,748 SH   SOLE   190 0 24,558
Schwab Strategic TR US DIVIDEND EQ 808524797 1,422 36,072 SH   SOLE   1,425 0 34,647
Schwab Strategic TR EMRG MKTEQ ETF 808524706 428 17,577 SH   SOLE   0 0 17,577
Schwab Strategic TR INTL EQTY ETF 808524805 709 23,447 SH   SOLE   0 0 23,447
Schwab Strategic TR US LCAP GR ETF 808524300 1,261 23,408 SH   SOLE   0 0 23,408
Schwab Strategic TR US MID-CAP ETF 808524508 1,502 34,799 SH   SOLE   0 0 34,799
Cullen Frost Bankers Inc COM 229899109 276 4,000 SH   SOLE   4,000 0 0