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
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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
ISHARES TR CORE S&P MCP ETF 464287507 69,604 317,450 SH   SOLE   0 0 317,450
ISHARES TR CORE S&P SCP ETF 464287804 31,873 365,562 SH   SOLE   0 0 365,562
ISHARES TR CORE S&P500 ETF 464287200 458 1,276 SH   SOLE   0 0 1,276
ISHARES TR RUS 1000 ETF 464287622 164,826 835,282 SH   SOLE   0 0 835,282
ISHARES TR RUS 1000 GRW ETF 464287614 393 1,870 SH   SOLE   0 0 1,870
ISHARES TR RUS 1000 VAL ETF 464287598 205 1,509 SH   SOLE   0 0 1,509
ISHARES TR RUSSELL 2000 ETF 464287655 10,100 61,242 SH   SOLE   0 0 61,242
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 17,084 372,362 SH   SOLE   0 0 372,362
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274 52,075 1,149,045 SH   SOLE   0 0 1,149,045
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 183,052 3,649,362 SH   SOLE   0 0 3,649,362
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 312,896 9,040,638 SH   SOLE   0 0 9,040,638
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 320 7,073 SH   SOLE   0 0 7,073
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 649 15,459 SH   SOLE   0 0 15,459
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 602 10,780 SH   SOLE   0 0 10,780
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,346 55,387 SH   SOLE   0 0 55,387
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 86,763 1,433,383 SH   SOLE   0 0 1,433,383
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 21,248 562,128 SH   SOLE   0 0 562,128
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,525 9,868 SH   SOLE   0 0 9,868
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,848 27,015 SH   SOLE   0 0 27,015