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 29,815 424,775 SH   SOLE   0 0 424,775
ISHARES TR CORE US AGGBD ET 464287226 21,827 196,025 SH   SOLE   0 0 196,025
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 21,587 407,301 SH   SOLE   0 0 407,301
ISHARES TR FLTG RATE NT ETF 46429B655 20,536 403,228 SH   SOLE   0 0 403,228
SPDR SER TR BLOMBERG BRC INV 78468R200 17,665 574,872 SH   SOLE   0 0 574,872
ISHARES TR CORE S&P500 ETF 464287200 16,338 45,229 SH   SOLE   0 0 45,229
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 14,092 439,134 SH   SOLE   0 0 439,134
ISHARES TR CORE MSCI EAFE 46432F842 12,102 197,110 SH   SOLE   0 0 197,110
ISHARES TR IBOXX HI YD ETF 464288513 11,656 133,708 SH   SOLE   0 0 133,708
SPDR TR S&P 500 ETF TR TR UNIT 78462F103 11,411 38,946 SH   SOLE   0 0 38,946
ISHARES TR NATIONAL MUN ETF 464288414 10,413 92,074 SH   SOLE   0 0 92,074
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 10,119 533,980 SH   SOLE   0 0 533,980
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 9,262 318,962 SH   SOLE   0 0 318,962
AMERICAN INTL GROUP INC COM NEW COM NEW 026874784 8,760 164,427 SH   SOLE   0 0 164,427
PIMCO ETF TR INV GRD CRP BD 72201R817 8,136 75,726 SH   SOLE   0 0 75,726
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,003 113,480 SH   SOLE   0 0 113,480
ISHARES TR JPMORGAN USD EMG 464288281 7,845 69,252 SH   SOLE   0 0 69,252
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 7,356 252,188 SH   SOLE   0 0 252,188
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 7,320 128,229 SH   SOLE   0 0 128,229
SPDR SER TR NUVEEN BRC MUNIC 78468R721 7,289 145,378 SH   SOLE   0 0 145,378
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 7,108 270,913 SH   SOLE   0 0 270,913
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 6,654 192,664 SH   SOLE   0 0 192,664
ISHARES TR CORE S&P TTL STK 464287150 6,568 98,585 SH   SOLE   0 0 98,585
ISHARES TR CORE S&P MCP ETF 464287507 6,084 31,323 SH   SOLE   0 0 31,323
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5,751 80,457 SH   SOLE   0 0 80,457
ISHARES TR CORE MSCI EMKT 46434G103 5,625 109,353 SH   SOLE   0 0 109,353
ISHARES TR IBOXX INV CP ETF 464287242 5,150 41,414 SH   SOLE   0 0 41,414
ISHARES TR CORE S&P SCP ETF 464287804 4,915 62,799 SH   SOLE   0 0 62,799
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 4,842 138,621 SH   SOLE   0 0 138,621
ISHARES TR 0-5YR HI YL CP 46434V407 3,545 75,911 SH   SOLE   0 0 75,911
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3,379 114,215 SH   SOLE   0 0 114,215
APPLE INC COM 037833100 3,064 15,482 SH   SOLE   0 0 15,482
JPMORGAN CHASE & CO COM 46625H100 2,722 24,351 SH   SOLE   0 0 24,351
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 1,823 50,005 SH   SOLE   0 0 50,005
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,806 50,467 SH   SOLE   0 0 50,467
ISHARES TR NASDAQ BIOTECH 464287556 1,649 15,118 SH   SOLE   0 0 15,118
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 1,635 47,990 SH   SOLE   0 0 47,990
SPDR SER TR PORTFOLIO SM ETF 78468R853 1,296 42,323 SH   SOLE   0 0 42,323
FACEBOOK INC CL A 30303M102 1,191 6,171 SH   SOLE   0 0 6,171
ISHARES TR RUS 1000 GRW ETF 464287614 1,181 7,511 SH   SOLE   0 0 7,511
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,076 12,937 SH   SOLE   0 0 12,937
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,051 19,809 SH   SOLE   0 0 19,809
ISHARES TR CORE DIV GRWTH 46434V621 1,004 26,299 SH   SOLE   0 0 26,299
AT&T INC COM 00206R102 976 29,133 SH   SOLE   0 0 29,133
BERKSHIRE HATHAWAY INC DEL CL A 084670108 955 300 SH   SOLE   0 0 300
MICROSOFT CORP COM 594918104 937 7,001 SH   SOLE   0 0 7,001
JOHNSON & JOHNSON COM 478160104 793 5,699 SH   SOLE   0 0 5,699
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 705 13,945 SH   SOLE   0 0 13,945
MERCK & CO INC COM 58933Y105 609 7,272 SH   SOLE   0 0 7,272
ISHARES TR 1 3 YR TREAS BD 464287457 590 6,967 SH   SOLE   0 0 6,967
COLGATE PALMOLIVE CO COM 194162103 523 7,300 SH   SOLE   0 0 7,300
BOEING CO COM 097023105 502 1,381 SH   SOLE   0 0 1,381
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 466 8,314 SH   SOLE   0 0 8,314
COCA COLA CONSOLIDATED INC COM 191098102 427 8,386 SH   SOLE   0 0 8,386
HOME DEPOT INC COM 437076102 354 1,705 SH   SOLE   0 0 1,705
ISHARES TR RUS 1000 VAL ETF 464287598 330 2,598 SH   SOLE   0 0 2,598
BANK AMER CORP COM 060505104 322 11,132 SH   SOLE   0 0 11,132
ISHARES TR HDG MSCI EAFE 46434V803 315 10,564 SH   SOLE   0 0 10,564
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 314 6,171 SH   SOLE   0 0 6,171
VISA INC COM CL A 92826C839 304 1,753 SH   SOLE   0 0 1,753
PFIZER INC COM 717081103 299 6,923 SH   SOLE   0 0 6,923
ALPHABET INC CAP STK CL A 02079K305 276 255 SH   SOLE   0 0 255
AMAZON COM INC COM 023135106 268 142 SH   SOLE   0 0 142
VERIZON COMMUNICATIONS INC COM 92343V104 249 4,362 SH   SOLE   0 0 4,362
BRISTOL MYERS SQUIBB CO COM 110122108 239 5,290 SH   SOLE   0 0 5,290
3M CO COM 88579Y101 226 1,309 SH   SOLE   0 0 1,309
RESTAURANT BRANDS INTL INC COM 76131D103 220 35,300 SH   SOLE   0 0 35,300
IOVANCE BIOTHERAPEUTICS INC COM 462260100 220 9,000 SH   SOLE   0 0 9,000
NEXTERA ENERGY INC COM 65339F101 214 1,047 SH   SOLE   0 0 1,047
SPDR SER TR PRTFLO S&P500 HI 78468R788 209 5,501 SH   SOLE   0 0 5,501
INTERNATIONAL BUSINESS MACHS COM 459200101 208 1,510 SH   SOLE   0 0 1,510
CONSOLIDATED EDISON INC COM 209115104 208 2,374 SH   SOLE   0 0 2,374
WISDOMTREE TR COM 97717X511 207 4,050 SH   SOLE   0 0 4,050
EXXON MOBIL CORP COM 30231G102 201 2,623 SH   SOLE   0 0 2,623