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 LRG CAP ETF 808524201 23,164 356,423 SH   SOLE 0 0 356,423
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 18,443 364,203 SH   SOLE 0 0 364,203
ISHARES CORE US AGGREGATE BOND ETF CORE US AGGBD ET 464287226 18,103 170,269 SH   SOLE   0 0 170,269
SPDR TR S&P 500 ETF TR TR UNIT 78462F103 12,952 47,745 SH   SOLE   0 0 47,745
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 12,423 196,043 SH   SOLE   0 0 196,043
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 11,976 362,372 SH   SOLE 0 0 362,372
ISHARES CORE S&P 500 ETF CORE S&P 500 ETF 464287200 11,824 43,302 SH   SOLE   0 0 43,302
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 10,164 555,702 SH   SOLE 0 0 555,702
ISHARES NATIONAL AMT-FREE MUNI BND ETF NAT AMT FREE BD 464288414 10,013 91,827 SH   SOLE   0 0 91,827
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 8,724 312,815 SH   SOLE 0 0 312,815
ISHARES IBOXX $ HI YIELD CORPBND ETF IBOXX HI YD ETF 464288513 8,362 98,288 SH   SOLE   0 0 98,288
AMERICAN INTL GROUP INC COM NEW COM NEW 026874784 8,256 155,714 SH   SOLE   0 0 155,714
ISHARES JPM USD EMRG MKT BND ETF JP MOR EM MK ETF 464288281 7,852 73,542 SH   SOLE   0 0 73,542
ISHARES INTERMDT GOVT/CREDIT BND ETF INTRM GOV/CR ETF 464288612 7,137 66,235 SH   SOLE   0 0 66,235
ISHARES IBOXX $ INVMNT GRD CORP BD ETF IBOXX INV CP ETF 464287242 7,000 61,099 SH   SOLE   0 0 61,099
SPDR SER TR NUVEEN BRC MUNIC 78468R721 6,915 144,115 SH   SOLE 0 0 144,115
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 6,454 243,361 SH   SOLE 0 0 243,361
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 6,364 199,624 SH   SOLE 0 0 199,624
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 6,259 32,135 SH   SOLE   0 0 32,135
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 6,159 117,693 SH   SOLE 0 0 117,693
PIMCO ETF TR INV GRD CRP BD 72201R817 5,987 59,681 SH   SOLE 0 0 59,681
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,970 121,119 SH   SOLE 0 0 121,119
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,506 100,313 SH   SOLE 0 0 100,313
ISHARES CORE S&P TOTAL U.S. ETF CORE S&P TTL STK 464287150 5,452 87,203 SH   SOLE   0 0 87,203
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,403 208,679 SH   SOLE 0 0 208,679
ISHARES CORE DIV GRWTH CORE DIV GRWTH 46434V621 5,348 156,009 SH   SOLE   0 0 156,009
ISHARES MSCI EMERGING MARKETS CORE MSCI EMKT 46434G103 5,294 100,819 SH   SOLE   0 0 100,819
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804 5,178 62,042 SH   SOLE   0 0 62,042
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,792 65,134 SH   SOLE 0 0 65,134
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,666 70,705 SH   SOLE 0 0 70,705
ISHARES FLOATING RATE BOND ETF FLTG RATE BD ETF 46429B655 4,527 88,758 SH   SOLE   0 0 88,758
ISHARES TR 0-5YR HI YL CP 46434V407 4,482 96,147 SH   SOLE   0 0 96,147
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 SERIES TRUST PORTFOLIO INTRMD 78464A375 2,663 79,990 SH   SOLE   0 0 79,990
JP MORGAN CHASE & CO COM 46625H100 2,537 24,351 SH   SOLE   0 0 24,351
SPDR SERIES TRUST BRCLYS YLD ETF 78464A417 2,463 69,427 SH   SOLE   0 0 69,427
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 2,204 46,358 SH   SOLE 0 0 46,358
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,945 25,664 SH   SOLE 0 0 25,664
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 1,884 62,454 SH   SOLE 0 0 62,454
APPLE INC COM 037833100 1,772 9,573 SH   SOLE   0 0 9,573
ISHARES NASDAQ BIOTECHNOLOGY ETF NASDQ BIOTEC ETF 38259P508 1,660 15,113 SH   SOLE   0 0 15,113
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 1,622 46,509 SH   SOLE 0 0 46,509
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 1,545 28,231 SH   SOLE 0 0 28,231
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,507 40,417 SH   SOLE 0 0 40,417
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,487 42,084 SH   SOLE 0 0 42,084
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 1,439 42,329 SH   SOLE 0 0 42,329
SPDR SER TR PORTFOLIO SM ETF 78468R853 1,330 41,196 SH   SOLE 0 0 41,196
FACEBOOK INC COM USD0.000006 CL A CL A 30303M102 1,221 6,286 SH   SOLE   0 0 6,286
ISHARES TR RUS 1000 GRW ETF 464287614 1,080 7,511 SH   SOLE 0 0 7,511
PIMCO ETF TR ACTIVE BD ETF 72201R775 969 9,399 SH   SOLE 0 0 9,399
SPDR SER TR NUVEEN BLMBRG SR 78468R739 755 15,731 SH   SOLE 0 0 15,731
SCHWAB STRATEGIC TR US REIT ETF 808524847 739 17,691 SH   SOLE 0 0 17,691
MICROSOFT CORP COM 594918104 648 6,572 SH   SOLE   0 0 6,572
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309 633 13,102 SH   SOLE 0 0 13,102
JOHNSON & JOHNSON COM 478160104 631 5,203 SH   SOLE 0 0 5,203
ISHARES 1-3 YR TREASURY BOND 1-3 YR TR BD ETF 464287457 585 7,012 SH   SOLE   0 0 7,012
ISHARES TR HDG MSCI EAFE 46434V803 526 17,764 SH   SOLE 0 0 17,764
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 489 9,833 SH   SOLE 0 0 9,833
COLGATE PALMOLIVE CO COM 194162103 473 7,297 SH   SOLE 0 0 7,297
MERCK & CO INC COM 58933Y105 440 7,241 SH   SOLE 0 0 7,241
BOEING CO COM 097023105 433 1,290 SH   SOLE   0 0 1,290
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 432 8,129 SH   SOLE 0 0 8,129
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 408 11,321 SH   SOLE 0 0 11,321
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 331 6,394 SH   SOLE 0 0 6,394
ISHARES TR RUS 1000 VAL ETF 464287598 315 2,598 SH   SOLE 0 0 2,598
BANK AMER CORP COM 060505104 314 11,132 SH   SOLE 0 0 11,132
AT&T INC COM 00206R102 309 9,610 SH   SOLE 0 0 9,610
HOME DEPOT INC COM 437076102 275 1,412 SH   SOLE 0 0 1,412
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 255 5,000 SH   SOLE 0 0 5,000
ALPHABET INC CAP STK CL A 02079K305 241 213 SH   SOLE   0 0 213
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 241 6,153 SH   SOLE 0 0 6,153
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 225 4,486 SH   SOLE 0 0 4,486
3M CO COM 88579Y101 223 1,134 SH   SOLE 0 0 1,134
INTERNATIONAL BUSINESS MACHS COM 459200101 206 1,473 SH   SOLE 0 0 1,473
VERIZON COMMUNICATIONS INC COM 92343V104 231 4,584 SH   SOLE 0 0 4,584