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 27,767 410,696 SH   SOLE   0 0 410,696
ISHARES TR CORE US AGGBD ET 464287226 21,482 196,964 SH   SOLE   0 0 196,964
ISHARES TR FLTG RATE NT ETF 46429B655 19,383 380,748 SH   SOLE   0 0 380,748
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 19,280 371,640 SH   SOLE   0 0 371,640
ISHARES TR CORE MSCI EAFE 46432F842 15,564 256,121 SH   SOLE   0 0 256,121
SPDR TR S&P 500 ETF TR TR UNIT 78462F103 14,841 52,540 SH   SOLE   0 0 52,540
SPDR SER TR BLOMBERG BRC INV 78468R200 14,625 476,393 SH   SOLE   0 0 476,393
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 14,166 452,473 SH   SOLE   0 0 452,473
ISHARES TR IBOXX HI YD ETF 464288513 13,892 160,664 SH   SOLE   0 0 160,664
ISHARES TR CORE S&P500 ETF 464287200 13,805 48,514 SH   SOLE   0 0 48,514
ISHARES TR NATIONAL MUN ETF 464288414 10,737 96,565 SH   SOLE   0 0 96,565
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 10,674 572,378 SH   SOLE   0 0 572,378
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 9,124 325,887 SH   SOLE   0 0 325,887
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 7,641 267,764 SH   SOLE   0 0 267,764
ISHARES TR JPMORGAN USD EMG 464288281 7,621 69,248 SH   SOLE   0 0 69,248
PIMCO ETF TR INV GRD CRP BD 72201R817 7,241 69,808 SH   SOLE   0 0 69,808
ISHARES TR CORE S&P MCP ETF 464287507 7,175 37,887 SH   SOLE   0 0 37,887
AMERICAN INTL GROUP INC COM NEW COM NEW 026874784 7,079 164,405 SH   SOLE   0 0 164,405
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,993 126,257 SH   SOLE   0 0 126,257
ISHARES TR CORE MSCI EMKT 46434G103 6,693 129,442 SH   SOLE   0 0 129,442
SPDR SER TR NUVEEN BRC MUNIC 78468R721 6,667 135,302 SH   SOLE   0 0 135,302
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 6,637 255,192 SH   SOLE   0 0 255,192
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 6,557 197,328 SH   SOLE   0 0 197,328
ISHARES TR CORE S&P TTL STK 464287150 6,290 97,682 SH   SOLE   0 0 97,682
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,146 90,322 SH   SOLE   0 0 90,322
ISHARES TR CORE S&P SCP ETF 464287804 5,702 73,913 SH   SOLE   0 0 73,913
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5,487 78,467 SH   SOLE   0 0 78,467
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 5,157 150,934 SH   SOLE   0 0 150,934
ISHARES TR IBOXX INV CP ETF 464287242 4,994 41,948 SH   SOLE   0 0 41,948
ISHARES TR 0-5YR HI YL CP 46434V407 3,946 84,493 SH   SOLE   0 0 84,493
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3,502 119,899 SH   SOLE   0 0 119,899
APPLE INC COM 037833100 2,917 15,360 SH   SOLE   0 0 15,360
JPMORGAN CHASE & CO COM 46625H100 2,465 24,351 SH   SOLE   0 0 24,351
ISHARES TR NASDAQ BIOTECH 464287556 1,857 16,617 SH   SOLE   0 0 16,617
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,699 47,519 SH   SOLE   0 0 47,519
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 1,635 49,082 SH   SOLE   0 0 49,082
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,506 500 SH   SOLE   0 0 500
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 1,480 42,088 SH   SOLE   0 0 42,088
ISHARES TR CORE DIV GRWTH 46434V621 1,403 38,197 SH   SOLE   0 0 38,197
SPDR SER TR PORTFOLIO SM ETF 78468R853 1,310 43,364 SH   SOLE   0 0 43,364
ISHARES TR RUS 1000 GRW ETF 464287614 1,136 7,511 SH   SOLE   0 0 7,511
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,041 19,930 SH   SOLE   0 0 19,930
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,027 12,937 SH   SOLE   0 0 12,937
FACEBOOK INC CL A 30303M102 1,020 6,121 SH   SOLE   0 0 6,121
JOHNSON & JOHNSON COM 478160104 768 5,495 SH   SOLE   0 0 5,495
MICROSOFT CORP COM 594918104 765 6,491 SH   SOLE   0 0 6,491
ISHARES TR 1 3 YR TREAS BD 464287457 627 7,461 SH   SOLE   0 0 7,461
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 603 12,020 SH   SOLE   0 0 12,020
MERCK & CO INC COM 58933Y105 567 6,822 SH   SOLE   0 0 6,822
COLGATE PALMOLIVE CO COM 194162103 500 7,299 SH   SOLE   0 0 7,299
BOEING CO COM 097023105 469 1,231 SH   SOLE   0 0 1,231
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 455 8,314 SH   SOLE   0 0 8,314
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 345 6,885 SH   SOLE   0 0 6,885
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 327 1,629 SH   SOLE   0 0 1,629
HOME DEPOT INC COM 437076102 327 1,705 SH   SOLE   0 0 1,705
ISHARES TR RUS 1000 VAL ETF 464287598 320 2,598 SH   SOLE   0 0 2,598
BANK AMER CORP COM 060505104 307 11,132 SH   SOLE   0 0 11,132
ISHARES TR HDG MSCI EAFE 46434V803 304 10,564 SH   SOLE   0 0 10,564
PFIZER INC COM 717081103 276 6,513 SH   SOLE   0 0 6,513
VERIZON COMMUNICATIONS INC COM 92343V104 272 4,614 SH   SOLE   0 0 4,614
3M CO COM 88579Y101 271 1,309 SH   SOLE   0 0 1,309
AT&T INC COM 00206R102 269 8,588 SH   SOLE   0 0 8,588
ALPHABET INC CAP STK CL A 02079K305 260 221 SH   SOLE   0 0 221
VISA INC COM CL A 92826C839 231 1,484 SH   SOLE   0 0 1,484
INTERNATIONAL BUSINESS MACHS COM 459200101 219 1,558 SH   SOLE   0 0 1,558
EXXON MOBIL CORP COM 30231G102 211 2,623 SH   SOLE   0 0 2,623
SPDR SER TR PRTFLO S&P500 HI 78468R788 210 5,572 SH   SOLE   0 0 5,572
RESTAURANT BRANDS INTL INC COM 76131D103 210 35,300 SH   SOLE   0 0 35,300
WISDOMTREE TR COM 97717X511 201 4,050 SH   SOLE   0 0 4,050
NEXTERA ENERGY INC COM 65339F101 201 1,043 SH   SOLE   0 0 1,043
CONSOLIDATED EDISON INC COM 209115104 201 2,374 SH   SOLE   0 0 2,374