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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE S&P MCP ETF 464287507 87,479 332,530 SH   SOLE   0 0 332,530
ISHARES TR CORE S&P SCP ETF 464287804 32,298 295,800 SH   SOLE   0 0 295,800
ISHARES TR CORE S&P500 ETF 464287200 580 1,346 SH   SOLE   0 0 1,346
ISHARES TR RUS 1000 ETF 464287622 218,310 903,188 SH   SOLE   0 0 903,188
ISHARES TR RUS 1000 GRW ETF 464287614 389 1,420 SH   SOLE   0 0 1,420
ISHARES TR RUSSELL 2000 ETF 464287655 13,695 62,606 SH   SOLE   0 0 62,606
PIMCO ETF TR ACTIVE BD ETF 72201R775 285 2,581 SH   SOLE   0 0 2,581
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 204,057 4,790,079 SH   SOLE   0 0 4,790,079
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 289 5,329 SH   SOLE   0 0 5,329
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 580 5,582 SH   SOLE   0 0 5,582
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 100,962 681,762 SH   SOLE   0 0 681,762
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,633 34,918 SH   SOLE   0 0 34,918
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 96,237 1,255,371 SH   SOLE   0 0 1,255,371
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 28,047 280,187 SH   SOLE   0 0 280,187
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,892 9,069 SH   SOLE   0 0 9,069
VANGUARD INDEX FDS GROWTH ETF 922908736 323 1,114 SH   SOLE   0 0 1,114
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,881 26,483 SH   SOLE   0 0 26,483