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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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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
APPLE INC COM 037833100   228,695 1,188 SH   SOLE   0 0 1,188
COSTCO WHSL CORP NEW COM 22160K105   325,419 493 SH   SOLE   0 0 493
HOME DEPOT INC COM 437076102   255,061 736 SH   SOLE   0 0 736
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   2,337,412 37,303 SH   SOLE   0 0 37,303
INVESCO EXCHANGE TRADED FD T S&P500 EQL REL 46137V290   6,269,101 188,439 SH   SOLE   0 0 188,439
ISHARES TR ISHS 1-5YR INVS 464288646   14,796,996 288,581 SH   SOLE   0 0 288,581
ISHARES TR S&P 100 ETF 464287101   228,305 1,022 SH   SOLE   0 0 1,022
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   471,510 10,492 SH   SOLE   0 0 10,492
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   16,470,249 216,344 SH   SOLE   0 0 216,344
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   8,451,084 112,202 SH   SOLE   0 0 112,202
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   15,950,611 286,521 SH   SOLE   0 0 286,521
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,588,440 36,925 SH   SOLE   0 0 36,925
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   11,182,840 134,798 SH   SOLE   0 0 134,798
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   251,463 10,144 SH   SOLE   0 0 10,144
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475   13,498,091 243,912 SH   SOLE   0 0 243,912
SPDR S&P 500 ETF TR TR UNIT 78462F103   221,874 467 SH   SOLE   0 0 467
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   274,306 3,545 SH   SOLE   0 0 3,545
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   612,470 3,594 SH   SOLE   0 0 3,594