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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 3,881 166,788 SH   SOLE 0 166,788 0 0
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 2,779 96,820 SH   SOLE 0 96,820 0 0
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 3,964 181,845 SH   SOLE 0 181,845 0 0
ISHARES IBOXX HI YD ETF 464288513 4,350 49,904 SH   SOLE 0 49,904 0 0
INVESCO EXCHANGE TRADED FD TR EMRING MKT SVRG 46138E784 2,421 83,053 SH   SOLE 0 83,053 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 7,953 42,120 SH   SOLE 0 42,120 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 8,132 323,579 SH   SOLE 0 323,579 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 223 6,994 SH   SOLE 0 6,994 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 23,928 284,827 SH   SOLE 0 284,827 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 4,146 87,903 SH   SOLE 0 87,903 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 861 15,176 SH   SOLE 0 15,176 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 12,651 222,997 SH   SOLE 0 222,997 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,739 32,294 SH   SOLE 0 32,294 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 7,915 147,638 SH   SOLE 0 147,638 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 7,943 120,263 SH   SOLE 0 120,263 0 0