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

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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
ISHARES TR BROAD USD HIGH 46435U853 3,378 81,339 SH   SOLE   0 0 81,339
ISHARES TR CRE U S REIT ETF 464288521 1,642 27,953 SH   SOLE   0 0 27,953
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,132 51,303 SH   SOLE   0 0 51,303
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,910 50,950 SH   SOLE   0 0 50,950
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,922 39,127 SH   SOLE   0 0 39,127
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,139 50,108 SH   SOLE   0 0 50,108
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 4,545 125,463 SH   SOLE   0 0 125,463
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 4,227 99,347 SH   SOLE   0 0 99,347
SPDR SER TR PORTFOLIO AGRGTE 78464A649 5,384 180,305 SH   SOLE   0 0 180,305
SPDR SER TR PORTFOLIO LN COR 78464A367 1,210 38,539 SH   SOLE   0 0 38,539
SPDR SER TR PRTFLO S&P500 GW 78464A409 8,895 138,889 SH   SOLE   0 0 138,889
SPDR SER TR PRTFLO S&P500 VL 78464A508 6,452 165,378 SH   SOLE   0 0 165,378
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 1,624 30,437 SH   SOLE   0 0 30,437
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,268 27,475 SH   SOLE   0 0 27,475