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 30,181 425,501 SH   SOLE   0 0 425,501
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 23,236 431,498 SH   SOLE   0 0 431,498
ISHARES TR CORE US AGGBD ET 464287226 23,034 203,559 SH   SOLE   0 0 203,559
ISHARES TR FLTG RATE NT ETF 46429B655 22,948 450,225 SH   SOLE   0 0 450,225
SPDR SER TR BLOMBERG BRC INV 78468R200 18,844 612,603 SH   SOLE   0 0 612,603
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 14,221 446,357 SH   SOLE   0 0 446,357
ISHARES TR CORE S&P500 ETF 464287200 13,461 45,090 SH   SOLE   0 0 45,090
ISHARES TR CORE MSCI EAFE 46432F842 12,245 200,535 SH   SOLE   0 0 200,535
ISHARES TR IBOXX HI YD ETF 464288513 12,007 137,739 SH   SOLE   0 0 137,739
SPDR TR S&P 500 ETF TR TR UNIT 78462F103 11,396 38,401 SH   SOLE   0 0 38,401
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 10,707 562,656 SH   SOLE   0 0 562,656
ISHARES TR NATIONAL MUN ETF 464288414 10,440 91,502 SH   SOLE   0 0 91,502
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 9,442 323,913 SH   SOLE   0 0 323,913
AMERICAN INTL GROUP INC COM NEW COM NEW 026874784 9,159 164,427 SH   SOLE   0 0 164,427
PIMCO ETF TR INV GRD CRP BD 72201R817 8,511 77,570 SH   SOLE   0 0 77,570
ISHARES TR JPMORGAN USD EMG 464288281 8,163 72,013 SH   SOLE   0 0 72,013
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,103 114,099 SH   SOLE   0 0 114,099
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 7,830 264,167 SH   SOLE   0 0 264,167
SPDR SER TR NUVEEN BRC MUNIC 78468R721 7,447 146,920 SH   SOLE   0 0 146,920
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 7,318 129,430 SH   SOLE   0 0 129,430
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 7,218 207,112 SH   SOLE   0 0 207,112
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 7,023 279,483 SH   SOLE   0 0 279,483
ISHARES TR CORE S&P TTL STK 464287150 6,636 98,943 SH   SOLE   0 0 98,943
ISHARES TR CORE S&P MCP ETF 464287507 6,069 31,405 SH   SOLE   0 0 31,405
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5,718 82,002 SH   SOLE   0 0 82,002
ISHARES TR CORE MSCI EMKT 46434G103 5,533 112,856 SH   SOLE   0 0 112,856
ISHARES TR IBOXX INV CP ETF 464287242 5,437 42,658 SH   SOLE   0 0 42,658
ISHARES TR CORE S&P SCP ETF 464287804 4,951 63,594 SH   SOLE   0 0 63,594
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 4,123 116,873 SH   SOLE   0 0 116,873
ISHARES TR 0-5YR HI YL CP 46434V407 3,713 79,865 SH   SOLE   0 0 79,865
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3,685 125,508 SH   SOLE   0 0 125,508
APPLE INC COM 037833100 2,948 13,162 SH   SOLE   0 0 13,162
JPMORGAN CHASE & CO COM 46625H100 2,796 23,760 SH   SOLE   0 0 23,760
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,912 55,777 SH   SOLE   0 0 55,777
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 1,908 51,941 SH   SOLE   0 0 51,941
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 1,777 52,430 SH   SOLE   0 0 52,430
ISHARES TR NASDAQ BIOTECH 464287556 1,504 15,118 SH   SOLE   0 0 15,118
SPDR SER TR PORTFOLIO SM ETF 78468R853 1,399 46,628 SH   SOLE   0 0 46,628
AT&T INC COM 00206R102 1,207 31,908 SH   SOLE   0 0 31,908
ISHARES TR RUS 1000 GRW ETF 464287614 1,199 7,511 SH   SOLE   0 0 7,511
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,120 20,446 SH   SOLE   0 0 20,446
FACEBOOK INC CL A 30303M102 1,117 6,271 SH   SOLE   0 0 6,271
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,087 12,937 SH   SOLE   0 0 12,937
ISHARES TR CORE DIV GRWTH 46434V621 1,037 26,506 SH   SOLE   0 0 26,506
BERKSHIRE HATHAWAY INC DEL CL A 084670108 935 300 SH   SOLE   0 0 300
MICROSOFT CORP COM 594918104 898 6,459 SH   SOLE   0 0 6,459
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 730 14,428 SH   SOLE   0 0 14,428
JOHNSON & JOHNSON COM 478160104 716 5,537 SH   SOLE   0 0 5,537
MERCK & CO INC COM 58933Y105 612 7,272 SH   SOLE   0 0 7,272
ISHARES TR 1 3 YR TREAS BD 464287457 608 7,169 SH   SOLE   0 0 7,169
COLGATE PALMOLIVE CO COM 194162103 537 7,302 SH   SOLE   0 0 7,302
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 472 8,314 SH   SOLE   0 0 8,314
BOEING CO COM 097023105 431 1,132 SH   SOLE   0 0 1,132
COCA COLA CONSOLIDATED INC COM 191098102 430 7,906 SH   SOLE   0 0 7,906
ADAPTIVE BIOTECHNOLOGIES COR COM 00650F109 340 11,000 SH   SOLE   0 0 11,000
ISHARES TR RUS 1000 VAL ETF 464287598 333 2,598 SH   SOLE   0 0 2,598
BANK AMER CORP COM 060505104 325 11,132 SH   SOLE   0 0 11,132
ISHARES TR HDG MSCI EAFE 46434V803 316 10,564 SH   SOLE   0 0 10,564
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 307 6,144 SH   SOLE   0 0 6,144
HOME DEPOT INC COM 437076102 303 1,306 SH   SOLE   0 0 1,306
VISA INC COM CL A 92826C839 302 1,753 SH   SOLE   0 0 1,753
ALPHABET INC CAP STK CL A 02079K305 296 242 SH   SOLE   0 0 242
BRISTOL MYERS SQUIBB CO COM 110122108 268 5,290 SH   SOLE   0 0 5,290
VERIZON COMMUNICATIONS INC COM 92343V104 264 4,378 SH   SOLE   0 0 4,378
PFIZER INC COM 717081103 249 6,923 SH   SOLE   0 0 6,923
RESTAURANT BRANDS INTL INC COM 76131D103 247 35,300 SH   SOLE   0 0 35,300
CONSOLIDATED EDISON INC COM 209115104 224 2,374 SH   SOLE   0 0 2,374
SPDR SER TR PRTFLO S&P500 HI 78468R788 221 5,830 SH   SOLE   0 0 5,830
WISDOMTREE TR COM 97717X511 212 4,050 SH   SOLE   0 0 4,050
INTERNATIONAL BUSINESS MACHS COM 459200101 207 1,426 SH   SOLE   0 0 1,426