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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
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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
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