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 11,248 103,124 SH   SOLE   103,124 0 0
ISHARES TR 20 YR TR BD ETF 464287432 100 788 SH   SOLE   788 0 0
ISHARES TR CORE S&P SCP ETF 464287804 11,608 150,465 SH   SOLE   150,465 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 993 19,740 SH   SOLE   19,740 0 0
PROSHARES TR PSHS ULT S&P 500 74347R107 6,859 58,222 SH   SOLE   58,222 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 5,102 41,819 SH   SOLE   41,819 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 31,944 472,472 SH   SOLE   472,472 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 35,460 507,081 SH   SOLE   507,081 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 12,239 322,493 SH   SOLE   322,493 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 34,911 1,115,025 SH   SOLE   1,115,025 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 10,693 206,117 SH   SOLE   206,117 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 6 107 SH   SOLE   107 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 88 1,586 SH   SOLE   1,586 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 88 1,331 SH   SOLE   1,331 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 16,972 213,241 SH   SOLE   213,241 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 31,609 773,397 SH   SOLE   773,397 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4,398 78,858 SH   SOLE   78,858 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 46,746 1,099,896 SH   SOLE   1,099,896 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 311 2,403 SH   SOLE   2,403 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 23,010 88,656 SH   SOLE   88,656 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 280 3,221 SH   SOLE   3,221 0 0