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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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM 023135106 BBG001S5PQL7 241,920 2,880 SH   SOLE   0 0 2,880
APPLE INC COM 037833100 BBG001S5N8V8 3,922,746 30,191 SH   SOLE   0 0 30,191
AT&T INC COM 00206R102 BBG001S5VWH2 555,856 30,193 SH   SOLE   0 0 30,193
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 328,882 9,930 SH   SOLE   0 0 9,930
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 453,392 2,526 SH   SOLE   0 0 2,526
CISCO SYS INC COM 17275R102 BBG001S6HC62 295,701 6,207 SH   SOLE   0 0 6,207
COCA COLA CONS INC COM 191098102 BBG001S5Q0W1 521,157 8,193 SH   SOLE   0 0 8,193
COLGATE PALMOLIVE CO COM 194162103 BBG001S5PVM5 340,449 4,321 SH   SOLE   0 0 4,321
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 BBG011DXXNJ2 410,399 9,863 SH   SOLE   0 0 9,863
DISNEY WALT CO COM 254687106 BBG001S5QHF3 215,028 2,475 SH   SOLE   0 0 2,475
HERSHEY CO COM 427866108 BBG001S5S148 254,727 1,100 SH   SOLE   0 0 1,100
HOME DEPOT INC COM 437076102 BBG001S5RTW7 226,472 717 SH   SOLE   0 0 717
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 206,095 1,463 SH   SOLE   0 0 1,463
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 BBG001T06LF6 4,065,509 217,756 SH   SOLE   0 0 217,756
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 BBG001T0NSF2 12,739,311 744,119 SH   SOLE   0 0 744,119
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 1,082,672 7,665 SH   SOLE   0 0 7,665
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 540,442 2,030 SH   SOLE   0 0 2,030
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 2,357,743 50,487 SH   SOLE   0 0 50,487
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 3,706,679 90,650 SH   SOLE   0 0 90,650
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 508,673 6,267 SH   SOLE   0 0 6,267
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 332,532 6,651 SH   SOLE   0 0 6,651
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 3,898,774 63,251 SH   SOLE   0 0 63,251
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 2,721,371 11,250 SH   SOLE   0 0 11,250
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 2,633,885 27,831 SH   SOLE   0 0 27,831
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 1,027,067 12,112 SH   SOLE   0 0 12,112
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 8,857,851 23,055 SH   SOLE   0 0 23,055
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 3,591,928 37,034 SH   SOLE   0 0 37,034
ISHARES TR FLTG RATE NT ETF 46429B655 BBG001V1QYX1 7,669,234 152,379 SH   SOLE   0 0 152,379
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 3,627,382 49,265 SH   SOLE   0 0 49,265
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 1,876,673 17,800 SH   SOLE   0 0 17,800
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 8,128,426 96,092 SH   SOLE   0 0 96,092
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 4,143,454 39,267 SH   SOLE   0 0 39,267
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 1,446,763 6,753 SH   SOLE   0 0 6,753
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 380,945 2,512 SH   SOLE   0 0 2,512
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 214,406 1,257 SH   SOLE   0 0 1,257
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,020,245 5,776 SH   SOLE   0 0 5,776
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 702,952 5,242 SH   SOLE   0 0 5,242
LAS VEGAS SANDS CORP COM 517834107 BBG001SJCGP9 302,841 6,300 SH   SOLE   0 0 6,300
MERCK & CO INC COM 58933Y105 BBG001S5TC52 977,248 8,808 SH   SOLE   0 0 8,808
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,050,445 4,380 SH   SOLE   0 0 4,380
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 291,190 3,483 SH   SOLE   0 0 3,483
PIMCO ETF TR INV GRD CRP BD 72201R817 BBG001TCGQY7 9,192,350 98,842 SH   SOLE   0 0 98,842
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 206,122 1,360 SH   SOLE   0 0 1,360
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 BBG001S5V3C1 201,211 3,284 SH   SOLE   0 0 3,284
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 11,273,686 476,286 SH   SOLE   0 0 476,286
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 15,798,927 490,498 SH   SOLE   0 0 490,498
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 2,578,562 53,453 SH   SOLE   0 0 53,453
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 21,689,970 475,136 SH   SOLE   0 0 475,136
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 7,223,918 161,212 SH   SOLE   0 0 161,212
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 4,279,025 56,646 SH   SOLE   0 0 56,646
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 1,441,338 25,942 SH   SOLE   0 0 25,942
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 541,034 8,195 SH   SOLE   0 0 8,195
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 38,297,192 848,221 SH   SOLE   0 0 848,221
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 9,608,368 146,447 SH   SOLE   0 0 146,447
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 9,352,369 230,866 SH   SOLE   0 0 230,866
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 3,676,453 123,828 SH   SOLE   0 0 123,828
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 2,848,107 86,411 SH   SOLE   0 0 86,411
SPDR SER TR BLOOMBERG INVT 78468R200 BBG0029J2J00 17,388,958 572,193 SH   SOLE   0 0 572,193
SPDR SER TR NUVEEN BLMBRG MU 78468R721 BBG001SRSPW6 5,672,208 124,336 SH   SOLE   0 0 124,336
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 1,074,476 22,721 SH   SOLE   0 0 22,721
SPDR SER TR PORTFOLIO AGRGTE 78464A649 BBG001STKD11 6,079,450 241,920 SH   SOLE   0 0 241,920
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 2,873,549 90,278 SH   SOLE   0 0 90,278
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 1,840,420 43,304 SH   SOLE   0 0 43,304
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 7,638,459 169,819 SH   SOLE   0 0 169,819
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 1,816,447 49,133 SH   SOLE   0 0 49,133
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 501,877 17,372 SH   SOLE   0 0 17,372
SPDR SER TR PRTFLO S&P500 HI 78468R788 BBG00B6WD879 938,165 23,703 SH   SOLE   0 0 23,703
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 207,764 591 SH   SOLE   0 0 591
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 655,159 3,427 SH   SOLE   0 0 3,427
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 245,724 4,901 SH   SOLE   0 0 4,901
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 423,769 2,791 SH   SOLE   0 0 2,791