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 33,326 433,870 SH   SOLE   0 0 433,870
ISHARES TR FLTG RATE NT ETF 46429B655 24,065 472,581 SH   SOLE   0 0 472,581
ISHARES TR CORE US AGGBD ET 464287226 23,796 211,732 SH   SOLE   0 0 211,732
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 23,597 441,637 SH   SOLE   0 0 441,637
SPDR SER TR BLOMBERG BRC INV 78468R200 19,729 641,987 SH   SOLE   0 0 641,987
ISHARES TR CORE S&P500 ETF 464287200 15,765 48,771 SH   SOLE   0 0 48,771
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 15,598 463,801 SH   SOLE   0 0 463,801
ISHARES TR CORE MSCI EAFE 46432F842 13,381 205,149 SH   SOLE   0 0 205,149
ISHARES TR IBOXX HI YD ETF 464288513 12,818 145,757 SH   SOLE   0 0 145,757
SPDR TR S&P 500 ETF TR TR UNIT 78462F103 12,443 38,658 SH   SOLE   0 0 38,658
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 11,303 586,861 SH   SOLE   0 0 586,861
ISHARES TR NATIONAL MUN ETF 464288414 11,135 97,750 SH   SOLE   0 0 97,750
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 9,983 337,460 SH   SOLE   0 0 337,460
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,992 116,958 SH   SOLE   0 0 116,958
PIMCO ETF TR INV GRD CRP BD 72201R817 8,742 79,500 SH   SOLE   0 0 79,500
ISHARES TR JPMORGAN USD EMG 464288281 8,680 75,762 SH   SOLE   0 0 75,762
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 8,242 301,100 SH   SOLE   0 0 301,100
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 8,098 134,624 SH   SOLE   0 0 134,624
SPDR SER TR NUVEEN BRC MUNIC 78468R721 7,811 154,427 SH   SOLE   0 0 154,427
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 7,765 205,309 SH   SOLE   0 0 205,309
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 7,758 264,026 SH   SOLE   0 0 264,026
AMERICAN INTL GROUP INC COM NEW COM NEW 026874784 7,529 146,677 SH   SOLE   0 0 146,677
ISHARES TR CORE S&P TTL STK 464287150 7,296 100,369 SH   SOLE   0 0 100,369
ISHARES TR CORE S&P MCP ETF 464287507 6,624 32,188 SH   SOLE   0 0 32,188
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6,532 86,347 SH   SOLE   0 0 86,347
ISHARES TR CORE MSCI EMKT 46434G103 6,476 120,510 SH   SOLE   0 0 120,510
ISHARES TR IBOXX INV CP ETF 464287242 5,728 44,756 SH   SOLE   0 0 44,756
ISHARES TR CORE S&P SCP ETF 464287804 5,469 65,243 SH   SOLE   0 0 65,243
APPLE INC COM 037833100 4,408 15,011 SH   SOLE   0 0 15,011
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 4,146 117,412 SH   SOLE   0 0 117,412
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3,969 126,598 SH   SOLE   0 0 126,598
ISHARES TR 0-5YR HI YL CP 46434V407 3,771 81,199 SH   SOLE   0 0 81,199
JPMORGAN CHASE & CO COM 46625H100 3,395 24,351 SH   SOLE   0 0 24,351
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,193 58,323 SH   SOLE   0 0 58,323
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 2,059 51,647 SH   SOLE   0 0 51,647
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 1,910 52,716 SH   SOLE   0 0 52,716
ISHARES TR NASDAQ BIOTECH 464287556 1,762 14,618 SH   SOLE   0 0 14,618
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,643 17,704 SH   SOLE   0 0 17,704
SPDR SER TR PORTFOLIO SM ETF 78468R853 1,553 47,569 SH   SOLE   0 0 47,569
AT&T INC COM 00206R102 1,465 37,480 SH   SOLE   0 0 37,480
ISHARES TR RUS 1000 GRW ETF 464287614 1,322 7,511 SH   SOLE   0 0 7,511
FACEBOOK INC CL A 30303M102 1,288 6,271 SH   SOLE   0 0 6,271
MICROSOFT CORP COM 594918104 1,278 8,103 SH   SOLE   0 0 8,103
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,199 12,897 SH   SOLE   0 0 12,897
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,153 19,904 SH   SOLE   0 0 19,904
ISHARES TR CORE DIV GRWTH 46434V621 1,142 27,137 SH   SOLE   0 0 27,137
MERCK & CO INC COM 58933Y105 945 10,390 SH   SOLE   0 0 10,390
JOHNSON & JOHNSON COM 478160104 806 5,525 SH   SOLE   0 0 5,525
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 764 15,134 SH   SOLE   0 0 15,134
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 683 3,015 SH   SOLE   0 0 3,015
BERKSHIRE HATHAWAY INC DEL CL A 084670108 680 200 SH   SOLE   0 0 200
ISHARES TR 1 3 YR TREAS BD 464287457 618 7,300 SH   SOLE   0 0 7,300
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 499 8,284 SH   SOLE   0 0 8,284
COLGATE PALMOLIVE CO COM 194162103 473 6,864 SH   SOLE   0 0 6,864
COCA COLA CONSOLIDATED INC COM 191098102 438 7,906 SH   SOLE   0 0 7,906
BANK AMER CORP COM 060505104 397 11,252 SH   SOLE   0 0 11,252
BRISTOL MYERS SQUIBB CO COM 110122108 397 6,171 SH   SOLE   0 0 6,171
HOME DEPOT INC COM 437076102 373 1,705 SH   SOLE   0 0 1,705
BOEING CO COM 097023105 369 1,132 SH   SOLE   0 0 1,132
VANGUARD INDEX FDS MID CAP ETF 922908629 364 2,041 SH   SOLE   0 0 2,041
ISHARES TR RUS 1000 VAL ETF 464287598 355 2,598 SH   SOLE   0 0 2,598
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 346 6,435 SH   SOLE   0 0 6,435
ALPHABET INC CAP STK CL A 02079K305 342 255 SH   SOLE   0 0 255
VERIZON COMMUNICATIONS INC COM 92343V104 341 5,542 SH   SOLE   0 0 5,542
VISA INC COM CL A 92826C839 330 1,753 SH   SOLE   0 0 1,753
RESTAURANT BRANDS INTL INC COM 76131D103 326 35,300 SH   SOLE   0 0 35,300
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 324 1,133 SH   SOLE   0 0 1,133
ISHARES TR HDG MSCI EAFE 46434V803 323 10,564 SH   SOLE   0 0 10,564
SPDR SERIES TRUST S&P DIVID ETF 78464A763 295 2,735 SH   SOLE   0 0 2,735
3M CO COM 88579Y101 288 1,629 SH   SOLE   0 0 1,629
PFIZER INC COM 717081103 276 7,041 SH   SOLE   0 0 7,041
Procter & Gamble Co COM 742718109 251 2,009 SH   SOLE   0 0 2,009
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 245 1,586 SH   SOLE   0 0 1,586
SPDR SER TR PRTFLO S&P500 HI 78468R788 237 5,992 SH   SOLE   0 0 5,992
CONSOLIDATED EDISON INC COM 209115104 220 2,425 SH   SOLE   0 0 2,425
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 212 3,589 SH   SOLE   0 0 3,589
WISDOMTREE TR COM 97717X511 212 4,050 SH   SOLE   0 0 4,050
VANGUARD INDEX FDS TOTAL STK MKT 922908769 210 1,283 SH   SOLE   0 0 1,283
VANGUARD WORLD FDS INF TECH ETF 92204A702 206 840 SH   SOLE   0 0 840