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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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 22,849 382,735 SH   SOLE   0 0 382,735
ISHARES CORE US AGGREGATE BOND ETF CORE US AGGBD ET 464287226 21,443 201,366 SH   SOLE   0 0 201,366
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 19,387 383,228 SH   SOLE   0 0 383,228
ISHARES FLOATING RATE BOND ETF FLTG RATE BD ETF 46429B655 13,863 275,278 SH   SOLE   0 0 275,278
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 12,985 236,093 SH   SOLE   0 0 236,093
ISHARES IBOXX $ HI YIELD CORPBND ETF IBOXX HI YD ETF 46434V407 12,760 157,334 SH   SOLE   0 0 157,334
SPDR TR S&P 500 ETF TR TR UNIT 78462F103 12,552 50,224 SH   SOLE   0 0 50,224
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 11,090 391,183 SH   SOLE   0 0 391,183
ISHARES CORE S&P 500 ETF CORE S&P 500 ETF 464287200 10,837 43,072 SH   SOLE   0 0 43,072
ISHARES NATIONAL AMT-FREE MUNI BND ETF NAT AMT FREE BD 464288414 10,554 96,787 SH   SOLE   0 0 96,787
SPDR SER TR BLOMBERG BRC INV 78468R200 10,225 336,694 SH   SOLE   0 0 336,694
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 9,859 557,970 SH   SOLE   0 0 557,970
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 8,615 326,072 SH   SOLE   0 0 326,072
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 7,748 278,216 SH   SOLE   0 0 278,216
ISHARES JPM USD EMRG MKT BND ETF JP MOR EM MK ETF 464288281 7,024 67,600 SH   SOLE   0 0 67,600
PIMCO ETF TR INV GRD CRP BD 72201R817 6,941 70,075 SH   SOLE   0 0 70,075
SPDR SER TR NUVEEN BRC MUNIC 78468R721 6,860 142,567 SH   SOLE   0 0 142,567
AMERICAN INTL GROUP INC COM NEW COM NEW 026874784 6,035 153,129 SH   SOLE   0 0 153,129
ISHARES MSCI EMERGING MARKETS CORE MSCI EMKT 46434G103 5,959 126,375 SH   SOLE   0 0 126,375
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 5,768 197,466 SH   SOLE   0 0 197,466
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 5,592 33,676 SH   SOLE   0 0 33,676
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,478 232,821 SH   SOLE   0 0 232,821
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,423 113,145 SH   SOLE   0 0 113,145
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,347 113,846 SH   SOLE   0 0 113,846
ISHARES CORE S&P TOTAL U.S. ETF CORE S&P TTL STK 464287150 5,076 89,424 SH   SOLE   0 0 89,424
ISHARES CORE DIV GRWTH CORE DIV GRWTH 46434V621 5,028 151,524 SH   SOLE   0 0 151,524
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 5,008 151,569 SH   SOLE   0 0 151,569
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,995 83,346 SH   SOLE   0 0 83,346
ISHARES IBOXX $ INVMNT GRD CORP BD ETF IBOXX INV CP ETF 464287242 4,724 41,868 SH   SOLE   0 0 41,868
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804 4,380 63,191 SH   SOLE   0 0 63,191
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,118 67,868 SH   SOLE   0 0 67,868
ISHARES IBOXX $ HI YIELD CORPBND ETF IBOXX HI YD ETF 46434V407 3,476 78,035 SH   SOLE   0 0 78,035
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 2,951 111,569 SH   SOLE   0 0 111,569
JP MORGAN CHASE & CO COM 46625H100 2,377 24,351 SH   SOLE   0 0 24,351
APPLE INC COM 037833100 2,101 13,319 SH   SOLE   0 0 13,319
ISHARES NASDAQ BIOTECHNOLOGY ETF NASDQ BIOTEC ETF 464287556 2,060 21,363 SH   SOLE   0 0 21,363
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,530 500 SH   SOLE   0 0 500
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,491 46,082 SH   SOLE   0 0 46,082
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,374 40,315 SH   SOLE   0 0 40,315
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 1,345 45,726 SH   SOLE   0 0 45,726
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 1,286 41,600 SH   SOLE   0 0 41,600
SPDR SER TR PORTFOLIO SM ETF 78468R853 1,061 40,257 SH   SOLE   0 0 40,257
ISHARES TR RUS 1000 GRW ETF 464287614 983 7,511 SH   SOLE   0 0 7,511
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 956 13,873 SH   SOLE   0 0 13,873
FACEBOOK INC COM USD0.000006 CL A CL A 30303M102 793 6,046 SH   SOLE   0 0 6,046
JOHNSON & JOHNSON COM 478160104 687 5,326 SH   SOLE   0 0 5,326
ISHARES 1-3 YR TREASURY BOND 1-3 YR TR BD ETF 464287457 673 8,049 SH   SOLE   0 0 8,049
MICROSOFT CORP COM 594918104 645 6,352 SH   SOLE   0 0 6,352
SPDR SERIES TRUST S&P BIOTECH 78464A870 628 8,750 SH   SOLE   0 0 8,750
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 610 12,224 SH   SOLE   0 0 12,224
MERCK & CO INC COM 58933Y105 553 7,241 SH   SOLE   0 0 7,241
COLGATE PALMOLIVE CO COM 194162103 434 7,298 SH   SOLE   0 0 7,298
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 410 8,314 SH   SOLE   0 0 8,314
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 407 1,991 SH   SOLE   0 0 1,991
BOEING CO COM 097023105 392 1,215 SH   SOLE   0 0 1,215
ISHARES TR RUS 1000 VAL ETF 464287598 289 2,598 SH   SOLE   0 0 2,598
HOME DEPOT INC COM 437076102 287 1,671 SH   SOLE   0 0 1,671
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 283 5,987 SH   SOLE   0 0 5,987
VERIZON COMMUNICATIONS INC COM 92343V104 281 4,999 SH   SOLE   0 0 4,999
PFIZER INC COM 717081103 276 6,312 SH   SOLE   0 0 6,312
BANK AMER CORP COM 060505104 274 11,132 SH   SOLE   0 0 11,132
ISHARES TR HDG MSCI EAFE 46434V803 273 10,564 SH   SOLE   0 0 10,564
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 272 5,978 SH   SOLE   0 0 5,978
AT&T INC COM 00206R102 261 9,142 SH   SOLE   0 0 9,142
3M CO COM 88579Y101 249 1,309 SH   SOLE   0 0 1,309
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 243 4,484 SH   SOLE   0 0 4,484
ALPHABET INC CAP STK CL A 02079K305 223 213 SH   SOLE   0 0 213
GLOBAL BLOOD THERAPEUTICS IN COM 37890U108 205 5,000 SH   SOLE   0 0 5,000
PIMCO ETF TR ACTIVE BD ETF 72201R775 203 1,977 SH   SOLE   0 0 1,977