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
Estimated average burden
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 583 6,090 SH   SOLE   0 0 6,090
AMAZON COM INC COM 023135106 885 7,830 SH   SOLE   0 0 7,830
APPLE INC COM 037833100 1,130 8,179 SH   SOLE   0 0 8,179
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 762 2,853 SH   SOLE   0 0 2,853
INVESCO EXCHANGE TRADED FD T S&P MDCP400 EQ 46137V225 1,128 15,023 SH   SOLE   0 0 15,023
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 3,292 25,862 SH   SOLE   0 0 25,862
ISHARES INC CORE MSCI EMKT 46434G103 269 6,264 SH   SOLE   0 0 6,264
ISHARES TR 3YRTB ETF 464288125 373 5,808 SH   SOLE   0 0 5,808
ISHARES TR AGGRES ALLOC ETF 464289859 639 11,517 SH   SOLE   0 0 11,517
ISHARES TR BLACKROCK ULTRA 46434V878 445 8,900 SH   SOLE   0 0 8,900
ISHARES TR COHEN STEER REIT 464287564 352 6,559 SH   SOLE   0 0 6,559
ISHARES TR CORE 1 5 YR USD 46432F859 21,033 456,246 SH   SOLE   0 0 456,246
ISHARES TR CORE MSCI EAFE 46432F842 1,161 22,035 SH   SOLE   0 0 22,035
ISHARES TR CORE MSCI TOTAL 46432F834 782 16,127 SH   SOLE   0 0 16,127
ISHARES TR CORE S&P MCP ETF 464287507 647 2,953 SH   SOLE   0 0 2,953
ISHARES TR CORE S&P SCP ETF 464287804 574 6,579 SH   SOLE   0 0 6,579
ISHARES TR CORE S&P500 ETF 464287200 2,094 5,838 SH   SOLE   0 0 5,838
ISHARES TR CORE US AGGBD ET 464287226 290 3,013 SH   SOLE   0 0 3,013
ISHARES TR EAFE SML CP ETF 464288273 315 6,455 SH   SOLE   0 0 6,455
ISHARES TR IBONDS DEC22 ETF 46434VBA7 628 25,085 SH   SOLE   0 0 25,085
ISHARES TR IBOXX HI YD ETF 464288513 464 6,501 SH   SOLE   0 0 6,501
ISHARES TR ISHS 1-5YR INVS 464288646 13,055 264,916 SH   SOLE   0 0 264,916
ISHARES TR ISHS 5-10YR INVT 464288638 2,248 46,554 SH   SOLE   0 0 46,554
ISHARES TR MORNINGSTAR GRWT 464287119 544 11,265 SH   SOLE   0 0 11,265
ISHARES TR MORNINGSTAR VALU 464288109 473 8,372 SH   SOLE   0 0 8,372
ISHARES TR MRGSTR MD CP GRW 464288307 1,748 34,688 SH   SOLE   0 0 34,688
ISHARES TR MRGSTR MD CP VAL 464288406 1,673 29,911 SH   SOLE   0 0 29,911
ISHARES TR MRGSTR SM CP GR 464288604 690 19,894 SH   SOLE   0 0 19,894
ISHARES TR MRNING SM CP ETF 464288703 753 15,844 SH   SOLE   0 0 15,844
ISHARES TR MSCI ACWI ETF 464288257 553 7,100 SH   SOLE   0 0 7,100
ISHARES TR MSCI EMG MKT ETF 464287234 423 12,134 SH   SOLE   0 0 12,134
ISHARES TR NORTH AMERN NAT 464287374 628 18,077 SH   SOLE   0 0 18,077
ISHARES TR RESIDENTIAL MULT 464288562 767 10,682 SH   SOLE   0 0 10,682
ISHARES TR S&P 500 GRWT ETF 464287309 514 8,880 SH   SOLE   0 0 8,880
ISHARES TR S&P 500 VAL ETF 464287408 263 2,049 SH   SOLE   0 0 2,049
ISHARES TR SELECT DIVID ETF 464287168 362 3,374 SH   SOLE   0 0 3,374
ISHARES TR SHORT TREAS BD 464288679 1,349 12,268 SH   SOLE   0 0 12,268
ISHARES TR TIPS BD ETF 464287176 1,772 16,888 SH   SOLE   0 0 16,888
ISHARES TR U.S. REAL ES ETF 464287739 472 5,799 SH   SOLE   0 0 5,799
MCDONALDS CORP COM 580135101 204 883 SH   SOLE   0 0 883
PIMCO ETF TR 1-5 US TIP IDX 72201R205 580 11,732 SH   SOLE   0 0 11,732
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,263 190,307 SH   SOLE   0 0 190,307
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 16,133 573,521 SH   SOLE   0 0 573,521
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 4,336 156,246 SH   SOLE   0 0 156,246
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 201 4,093 SH   SOLE   0 0 4,093
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 20,286 420,349 SH   SOLE   0 0 420,349
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,911 64,247 SH   SOLE   0 0 64,247
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 8,871 133,544 SH   SOLE   0 0 133,544
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,005 71,763 SH   SOLE   0 0 71,763
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 4,190 71,610 SH   SOLE   0 0 71,610
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 30,675 724,309 SH   SOLE   0 0 724,309
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,121 101,121 SH   SOLE   0 0 101,121
SCHWAB STRATEGIC TR US REIT ETF 808524847 6,905 369,474 SH   SOLE   0 0 369,474
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5,248 138,830 SH   SOLE   0 0 138,830
SPDR GOLD TR GOLD SHS 78463V107 275 1,775 SH   SOLE   0 0 1,775
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 3,984 187,818 SH   SOLE   0 0 187,818
SPDR S&P 500 ETF TR TR UNIT 78462F103 775 2,170 SH   SOLE   0 0 2,170
SPDR SER TR S&P 400 MDCP GRW 78464A821 1,628 26,983 SH   SOLE   0 0 26,983
SPDR SER TR S&P 400 MDCP VAL 78464A839 1,456 25,174 SH   SOLE   0 0 25,174
SPDR SER TR S&P 600 SMCP GRW 78464A201 857 12,575 SH   SOLE   0 0 12,575
SPDR SER TR S&P 600 SMCP VAL 78464A300 902 13,439 SH   SOLE   0 0 13,439
VANGUARD INDEX FDS LARGE CAP ETF 922908637 440 2,688 SH   SOLE   0 0 2,688
VANGUARD INDEX FDS TOTAL STK MKT 922908769 956 5,329 SH   SOLE   0 0 5,329
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 555 12,514 SH   SOLE   0 0 12,514
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,550 124,691 SH   SOLE   0 0 124,691
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 704 7,425 SH   SOLE   0 0 7,425
VISA INC COM CL A 92826C839 213 1,200 SH   SOLE   0 0 1,200