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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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 US AGGBD ET 464287226 10,220 95,975 SH   SOLE   95,975 0 0
ISHARES TR CORE S&P SCP ETF 464287804 10,446 150,690 SH   SOLE   150,690 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 814 16,246 SH   SOLE   16,246 0 0
PROSHARES TR PSHS ULT S&P 500 74347R107 5,494 59,185 SH   SOLE   59,185 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 4,957 40,886 SH   SOLE   40,886 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 27,230 456,108 SH   SOLE   456,108 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 30,392 500,855 SH   SOLE   500,855 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 10,904 320,905 SH   SOLE   320,905 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 31,415 1,108,104 SH   SOLE   1,108,104 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 8,616 170,317 SH   SOLE   170,317 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 65 1,279 SH   SOLE   1,279 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 72 1,251 SH   SOLE   1,251 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 11,101 141,291 SH   SOLE   141,291 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 8,057 217,182 SH   SOLE   217,182 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4,374 80,621 SH   SOLE   80,621 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 21,273 466,715 SH   SOLE   466,715 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 36,078 946,924 SH   SOLE   946,924 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 263 2,229 SH   SOLE   2,229 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 16,995 73,953 SH   SOLE   73,953 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 253 3,399 SH   SOLE   3,399 0 0