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
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 26,870 386,291 SH   SOLE   0 0 386,291
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 19,885 395,723 SH   SOLE   0 0 395,723
ISHARES CORE US AGGREGATE BOND ETF CORE US AGGBD ET 464287226 19,800 187,646 SH   SOLE   0 0 187,646
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 13,619 406,182 SH   SOLE   0 0 406,182
SPDR TR S&P 500 ETF TR TR UNIT 78462F103 13,483 46,378 SH   SOLE   0 0 46,378
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 13,410 209,276 SH   SOLE   0 0 209,276
ISHARES CORE S&P 500 ETF CORE S&P 500 ETF 464287200 13,008 44,436 SH   SOLE   0 0 44,436
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 11,883 641,277 SH   SOLE   0 0 641,277
ISHARES NATIONAL AMT-FREE MUNI BND ETF NAT AMT FREE BD 464288414 10,129 93,838 SH   SOLE   0 0 93,838
ISHARES IBOXX $ HI YIELD CORPBND ETF IBOXX HI YD ETF 46434V407 9,414 108,913 SH   SOLE   0 0 108,913
ISHARES JPM USD EMRG MKT BND ETF JP MOR EM MK ETF 464288281 8,783 81,464 SH   SOLE   0 0 81,464
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 8,702 314,042 SH   SOLE   0 0 314,042
AMERICAN INTL GROUP INC COM NEW COM NEW 026874784 8,290 155,714 SH   SOLE   0 0 155,714
ISHARES IBOXX $ INVMNT GRD CORP BD ETF IBOXX INV CP ETF 464287242 7,676 66,784 SH   SOLE   0 0 66,784
SPDR SER TR NUVEEN BRC MUNIC 78468R721 7,667 161,483 SH   SOLE   0 0 161,483
ISHARES INTERMDT GOVT/CREDIT BND ETF INTRM GOV/CR ETF 464288612 7,623 71,007 SH   SOLE   0 0 71,007
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 7,566 280,425 SH   SOLE   0 0 280,425
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 6,902 133,268 SH   SOLE   0 0 133,268
PIMCO ETF TR INV GRD CRP BD 72201R817 6,881 68,402 SH   SOLE   0 0 68,402
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 6,809 199,844 SH   SOLE   0 0 199,844
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,602 114,150 SH   SOLE   0 0 114,150
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 6,389 31,739 SH   SOLE   0 0 31,739
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 6,258 118,112 SH   SOLE   0 0 118,112
ISHARES CORE DIV GRWTH CORE DIV GRWTH 46434V621 6,146 165,847 SH   SOLE   0 0 165,847
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,982 232,594 SH   SOLE   0 0 232,594
ISHARES MSCI EMERGING MARKETS CORE MSCI EMKT 46434G103 5,950 114,908 SH   SOLE   0 0 114,908
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,930 84,248 SH   SOLE   0 0 84,248
ISHARES CORE S&P TOTAL U.S. ETF CORE S&P TTL STK 464287150 5,782 86,780 SH   SOLE   0 0 86,780
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5,326 69,922 SH   SOLE   0 0 69,922
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804 5,155 59,092 SH   SOLE   0 0 59,092
ISHARES FLOATING RATE BOND ETF FLTG RATE BD ETF 46429B655 4,766 93,430 SH   SOLE   0 0 93,430
ISHARES IBOXX $ HI YIELD CORPBND ETF IBOXX HI YD ETF 46434V407 4,537 96,371 SH   SOLE   0 0 96,371
SPDR SER TR BLOMBERG BRC INV 78468R200 3,506 113,865 SH   SOLE   0 0 113,865
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3,422 111,210 SH   SOLE   0 0 111,210
JP MORGAN CHASE & CO COM 46625H100 2,748 24,351 SH   SOLE   0 0 24,351
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 2,639 79,260 SH   SOLE   0 0 79,260
SPDR SERIES TRUST BRCLYS YLD ETF 78464A417 2,484 68,891 SH   SOLE   0 0 68,891
APPLE INC COM 037833100 2,250 9,968 SH   SOLE   0 0 9,968
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 1,875 62,126 SH   SOLE   0 0 62,126
ISHARES NASDAQ BIOTECHNOLOGY ETF NASDQ BIOTEC ETF 464287556 1,812 14,863 SH   SOLE   0 0 14,863
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 1,674 46,305 SH   SOLE   0 0 46,305
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,537 40,961 SH   SOLE   0 0 40,961
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 1,533 42,347 SH   SOLE   0 0 42,347
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,486 42,668 SH   SOLE   0 0 42,668
SPDR SER TR PORTFOLIO SM ETF 78468R853 1,363 41,005 SH   SOLE   0 0 41,005
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,361 16,633 SH   SOLE   0 0 16,633
ISHARES TR RUS 1000 GRW ETF 464287614 1,172 7,511 SH   SOLE   0 0 7,511
FACEBOOK INC COM USD0.000006 CL A CL A 30303M102 994 6,046 SH   SOLE   0 0 6,046
JOHNSON & JOHNSON COM 478160104 734 5,314 SH   SOLE   0 0 5,314
MICROSOFT CORP COM 594918104 725 6,342 SH   SOLE   0 0 6,342
ISHARES 1-3 YR TREASURY BOND 1-3 YR TR BD ETF 464287457 602 7,242 SH   SOLE   0 0 7,242
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 589 11,891 SH   SOLE   0 0 11,891
ISHARES TR HDG MSCI EAFE 46434V803 532 17,764 SH   SOLE   0 0 17,764
MERCK & CO INC COM 58933Y105 514 7,241 SH   SOLE   0 0 7,241
COLGATE PALMOLIVE CO COM 194162103 489 7,297 SH   SOLE   0 0 7,297
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 483 10,212 SH   SOLE   0 0 10,212
BOEING CO COM 097023105 480 1,290 SH   SOLE   0 0 1,290
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 452 8,062 SH   SOLE   0 0 8,062
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 391 7,167 SH   SOLE   0 0 7,167
HOME DEPOT INC COM 437076102 341 1,662 SH   SOLE   0 0 1,662
ISHARES TR RUS 1000 VAL ETF 464287598 329 2,598 SH   SOLE   0 0 2,598
BANK AMER CORP COM 060505104 328 11,132 SH   SOLE   0 0 11,132
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 311 5,973 SH   SOLE   0 0 5,973
AT&T INC COM 00206R102 290 8,625 SH   SOLE   0 0 8,625
PFIZER INC COM 717081103 277 6,287 SH   SOLE   0 0 6,287
3M CO COM 88579Y101 273 1,309 SH   SOLE   0 0 1,309
ALPHABET INC CAP STK CL A 02079K305 257 213 SH   SOLE   0 0 213
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 253 5,000 SH   SOLE   0 0 5,000
EXXON MOBIL CORP COM 30231G102 250 2,952 SH   SOLE   0 0 2,952
VERIZON COMMUNICATIONS INC COM 92343V104 241 4,515 SH   SOLE   0 0 4,515