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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
180 DEGREE CAP CORP COM NEW 68235B208   1,852,417 451,809 SH   SOLE   433,616 0 18,193
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   28,336,688 990,447 SH   SOLE   912,567 0 77,880
ISHARES TR CORE S&P500 ETF 464287200   2,462,445 5,156 SH   SOLE   3,865 0 1,291
ISHARES TR CORE S&P TTL STK 464287150   1,202,464 11,427 SH   SOLE   11,427 0 0
ISHARES TR CORE US AGGBD ET 464287226   1,104,752 11,131 SH   SOLE   10,326 0 805
ISHARES TR S&P SML 600 GWT 464287887   870,330 6,955 SH   SOLE   6,664 0 291
ISHARES TR CORE S&P MCP ETF 464287507   443,718 1,601 SH   SOLE   1,469 0 132
ISHARES TR RUS 1000 GRW ETF 464287614   335,913 1,108 SH   SOLE   641 0 467
PIMCO EQUITY SER RAFI DYN MULTI 72202L371   27,417,466 939,890 SH   SOLE   712,834 0 227,056
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   62,840,978 1,114,202 SH   SOLE   896,348 0 217,854
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   47,458,485 1,284,050 SH   SOLE   1,185,755 0 98,295
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789   33,114,016 541,964 SH   SOLE   503,187 0 38,777
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   19,431,431 255,240 SH   SOLE   232,725 0 22,515
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   12,591,879 167,178 SH   SOLE   123,559 0 43,619
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   5,464,791 156,629 SH   SOLE   144,639 0 11,990
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,618,780 47,041 SH   SOLE   47,041 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   2,340,221 47,068 SH   SOLE   43,169 0 3,899
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   458,135 9,827 SH   SOLE   9,827 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   455,731 9,406 SH   SOLE   9,406 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   393,164 4,739 SH   SOLE   2,697 0 2,042
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   402,283 2,250 SH   SOLE   2,250 0 0
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301   6,813,563 67,417 SH   SOLE   51,068 0 16,349
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475   2,020,298 36,507 SH   SOLE   32,002 0 4,505
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   1,062,284 39,286 SH   SOLE   26,993 0 12,293
SPDR SER TR S&P 600 SMCP GRW 78464A201   7,305,019 87,349 SH   SOLE   65,594 0 21,755
SPDR SER TR PORTFOLIO S&P500 78464A854   789,588 14,125 SH   SOLE   10,851 0 3,274
SPDR SER TR PRTFLO S&P500 GW 78464A409   273,469 4,203 SH   SOLE   3,529 0 674
SPDR SER TR PORTFOLIO S&P400 78464A847   270,445 5,551 SH   SOLE   5,057 0 494
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867   12,957,006 468,947 SH   SOLE   445,818 0 23,129
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   566,908 11,484 SH   SOLE   11,068 0 416
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   847,299 1,940 SH   SOLE   1,690 0 250
VANGUARD INDEX FDS TOTAL STK MKT 922908769   227,087 957 SH   SOLE   614 0 343
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   17,959,861 378,182 SH   SOLE   322,924 0 55,258
VANGUARD WORLD FDS INF TECH ETF 92204A702   723,580 1,495 SH   SOLE   1,495 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   360,183 1,634 SH   SOLE   1,634 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   310,607 1,239 SH   SOLE   1,239 0 0