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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
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722   162,046 5,339,235 SH   SOLE   35,460 0 5,303,775
ISHARES TR RUSSELL 2000 ETF 464287655   12,534 87,540 SH   SOLE   4,802 0 82,738
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,145 26,483 SH   SOLE   0 0 26,483
ISHARES TR RUS 1000 GRW ETF 464287614   245 1,274 SH   SOLE   0 0 1,274
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   70,937 698,612 SH   SOLE   17,905 0 680,707
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   58,609 1,113,821 SH   SOLE   17,091 0 1,096,730
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,585 8,384 SH   SOLE   0 0 8,384
ISHARES TR RUS 1000 ETF 464287622   184,088 1,072,269 SH   SOLE   50,685 0 1,021,584
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   22,947 351,202 SH   SOLE   11,283 0 339,919
ISHARES TR CORE S&P MCP ETF 464287507   72,550 407,995 SH   SOLE   14,700 0 393,295
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   305 4,151 SH   SOLE   0 0 4,151
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,264 30,551 SH   SOLE   0 0 30,551
ISHARES TR CORE S&P SCP ETF 464287804   19,077 279,352 SH   SOLE   1,445 0 277,907