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
Estimated average burden
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 47,949 421,269 SH   SOLE   0 0 421,269
ISHARES TR CORE S&P500 ETF 464287200 33,947 71,243 SH   SOLE   0 0 71,243
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 33,174 615,467 SH   SOLE   0 0 615,467
ISHARES TR CORE US AGGBD ET 464287226 32,522 285,162 SH   SOLE   0 0 285,162
SPDR SER TR BLOMBERG BRC INV 78468R200 20,296 663,495 SH   SOLE   0 0 663,495
ISHARES TR FLTG RATE NT ETF 46429B655 18,581 366,266 SH   SOLE   0 0 366,266
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 17,474 449,554 SH   SOLE   0 0 449,554
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 16,578 629,139 SH   SOLE   0 0 629,139
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 16,168 832,525 SH   SOLE   0 0 832,525
ISHARES TR IBOXX HI YD ETF 464288513 16,093 184,957 SH   SOLE   0 0 184,957
ISHARES TR CORE MSCI EAFE 46432F842 14,448 193,569 SH   SOLE   0 0 193,569
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 14,053 474,449 SH   SOLE   0 0 474,449
SPDR TR S&P 500 ETF TR TR UNIT 78462F103 13,618 28,671 SH   SOLE   0 0 28,671
PIMCO ETF TR INV GRD CRP BD 72201R817 13,057 115,711 SH   SOLE   0 0 115,711
ISHARES TR NATIONAL MUN ETF 464288414 12,940 111,284 SH   SOLE   0 0 111,284
ISHARES TR JPMORGAN USD EMG 464288281 12,191 111,791 SH   SOLE   0 0 111,791
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 11,714 103,653 SH   SOLE   0 0 103,653
ISHARES TR CORE S&P MCP ETF 464287507 11,610 41,016 SH   SOLE   0 0 41,016
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 11,554 143,656 SH   SOLE   0 0 143,656
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 11,358 203,436 SH   SOLE   0 0 203,436
APPLE INC COM 037833100 11,340 63,862 SH   SOLE   0 0 63,862
ISHARES TR CORE S&P SCP ETF 464287804 11,298 98,664 SH   SOLE   0 0 98,664
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 11,084 108,243 SH   SOLE   0 0 108,243
ISHARES TR CORE MSCI EMKT 46434G103 10,937 182,690 SH   SOLE   0 0 182,690
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 10,502 354,557 SH   SOLE   0 0 354,557
SPDR SER TR NUVEEN BRC MUNIC 78468R721 9,459 182,845 SH   SOLE   0 0 182,845
ISHARES TR IBOXX INV CP ETF 464287242 9,031 68,152 SH   SOLE   0 0 68,152
ISHARES TR 0-5YR HI YL CP 46434V407 8,866 195,721 SH   SOLE   0 0 195,721
ISHARES TR CORE S&P TTL STK 464287150 8,505 79,506 SH   SOLE   0 0 79,506
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 7,717 211,533 SH   SOLE   0 0 211,533
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 7,094 196,234 SH   SOLE   0 0 196,234
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 6,382 153,818 SH   SOLE   0 0 153,818
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,302 53,219 SH   SOLE   0 0 53,219
MICROSOFT CORP COM 594918104 3,129 9,304 SH   SOLE   0 0 9,304
ISHARES TR NASDAQ BIOTECH 464287556 2,794 18,305 SH   SOLE   0 0 18,305
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 2,657 53,415 SH   SOLE   0 0 53,415
SPDR SER TR PORTFOLIO SM ETF 78468R853 2,592 58,002 SH   SOLE   0 0 58,002
ISHARES TR CORE DIV GRWTH 46434V621 2,562 46,103 SH   SOLE   0 0 46,103
INVESCO QQQ TR UNIT SER 1 46090E103 2,401 6,035 SH   SOLE   0 0 6,035
FACEBOOK INC CL A 30303M102 2,325 6,913 SH   SOLE   0 0 6,913
ISHARES TR RUS 1000 GRW ETF 464287614 2,288 7,486 SH   SOLE   0 0 7,486
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,169 13,246 SH   SOLE   0 0 13,246
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 2,120 36,278 SH   SOLE   0 0 36,278
JPMORGAN CHASE & CO COM 46625H100 1,591 10,048 SH   SOLE   0 0 10,048
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,562 37,158 SH   SOLE   0 0 37,158
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,247 7,665 SH   SOLE   0 0 7,665
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,077 21,174 SH   SOLE   0 0 21,174
JOHNSON & JOHNSON COM 478160104 1,044 6,103 SH   SOLE   0 0 6,103
ISHARES TR 1 3 YR TREAS BD 464287457 985 11,517 SH   SOLE   0 0 11,517
VANGUARD INDEX FDS TOTAL STK MKT 922908769 933 3,863 SH   SOLE   0 0 3,863
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 890 2,613 SH   SOLE   0 0 2,613
ALPHABET INC CAP STK CL A 02079K305 849 293 SH   SOLE   0 0 293
AT&T INC COM 00206R102 758 30,820 SH   SOLE   0 0 30,820
MERCK & CO INC COM 58933Y105 675 8,808 SH   SOLE   0 0 8,808
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 604 8,251 SH   SOLE   0 0 8,251
BANK AMER CORP COM 060505104 597 13,429 SH   SOLE   0 0 13,429
ISHARES TR RUS 1000 VAL ETF 464287598 549 3,268 SH   SOLE   0 0 3,268
DISNEY WALT CO COM 254687106 545 3,522 SH   SOLE   0 0 3,522
COUPANG INC CL A 22266T109 528 17,970 SH   SOLE   0 0 17,970
SELECT SECTOR SPDR TR ENERGY 81369Y506 512 9,224 SH   SOLE   0 0 9,224
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 510 9,863 SH   SOLE   0 0 9,863
COCA COLA CONSOLIDATED INC COM 191098102 502 8,471 SH   SOLE   0 0 8,471
VISA INC COM CL A 92826C839 497 2,293 SH   SOLE   0 0 2,293
HOME DEPOT INC COM 437076102 486 1,170 SH   SOLE   0 0 1,170
VANGUARD WORLD FDS INF TECH ETF 92204A702 482 1,052 SH   SOLE   0 0 1,052
CISCO SYS INC COM 17275R102 423 6,676 SH   SOLE   0 0 6,676
PFIZER INC COM 717081103 403 6,816 SH   SOLE   0 0 6,816
QUALCOMM INC COM 747525103 400 2,187 SH   SOLE   0 0 2,187
ISHARES TR US AER DEF ETF 464288760 397 3,860 SH   SOLE   0 0 3,860
AMAZON COM INC COM 023135106 370 111 SH   SOLE   0 0 111
COLGATE PALMOLIVE CO COM 194162103 368 4,315 SH   SOLE   0 0 4,315
VERIZON COMMUNICATIONS INC COM 92343V104 368 7,081 SH   SOLE   0 0 7,081
ISHARES TR RUSSELL 1000 US 46435G169 340 1,285 SH   SOLE   0 0 1,285
RESTAURANT BRANDS INTL INC COM 76131D103 339 35,300 SH   SOLE   0 0 35,300
Procter & Gamble Co COM 742718109 332 2,032 SH   SOLE   0 0 2,032
NEXTERA ENERGY INC COM 65339F101 314 3,368 SH   SOLE   0 0 3,368
ALPHABET INC CAP STK CL C 02079K107 292 101 SH   SOLE   0 0 101
CHEVRON CORP NEW COM 166764100 288 2,450 SH   SOLE   0 0 2,450
PHILIP MORRIS INTL INC COM 718172109 286 6,038 SH   SOLE   0 0 6,038
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 281 1,637 SH   SOLE   0 0 1,637
ISHARES TR S&P 100 ETF 464287101 275 1,257 SH   SOLE   0 0 1,257
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 271 4,427 SH   SOLE   0 0 4,427
BRISTOL MYERS SQUIBB CO COM 110122108 269 4,307 SH   SOLE   0 0 4,307
BOEING CO COM 097023105 249 1,235 SH   SOLE   0 0 1,235
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 246 3,684 SH   SOLE   0 0 3,684
SPDR SER TR PORTFOLIO SHORT 78464A474 238 7,822 SH   SOLE   0 0 7,822
LAS VEGAS SANDS CORP COM 517834107 237 6,300 SH   SOLE   0 0 6,300
NVIDIA CORPORATION COM 67066G104 232 789 SH   SOLE   0 0 789
HERSHEY CO COM 427866108 213 1,100 SH   SOLE   0 0 1,100
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 211 4,462 SH   SOLE   0 0 4,462
WISDOMTREE TR COM 97717X511 209 4,050 SH   SOLE   0 0 4,050
VANGUARD INTL EQUITY INDEX FTSE EMR MKT ETF 922042858 209 4,218 SH   SOLE   0 0 4,218
CONSOLIDATED EDISON INC COM 209115104 203 2,374 SH   SOLE   0 0 2,374