3M CO COM 88579Y101 236 1134 SH SOLE 0 0 1134 APPLE INC COM 037833100 1381 7268 SH SOLE 0 0 7268 AT&T INC COM 00206R102 211 6726 SH SOLE 0 0 6726 BANK AMER CORP COM 060505104 251 9080 SH SOLE 0 0 9080 BERKSHIRE HATHAWAY INC DEL CL A 084670108 1506 500 SH SOLE 0 0 500 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 326 1625 SH SOLE 0 0 1625 COLGATE PALMOLIVE CO COM 194162103 500 7300 SH SOLE 0 0 7300 HOME DEPOT INC COM 437076102 242 1260 SH SOLE 0 0 1260 INTERNATIONAL BUSINESS MACHS COM 459200101 220 1558 SH SOLE 0 0 1558 INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 10675 572379 SH SOLE 0 0 572379 INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 6256 223428 SH SOLE 0 0 223428 ISHARES TR CORE S&P500 ETF 464287200 870 3056 SH SOLE 0 0 3056 ISHARES TR CORE US AGGBD ET 464287226 762 6987 SH SOLE 0 0 6987 ISHARES TR IBOXX INV CP ETF 464287242 717 6018 SH SOLE 0 0 6018 ISHARES TR CORE S&P MCP ETF 464287507 211 1116 SH SOLE 0 0 1116 ISHARES TR RUS 1000 VAL ETF 464287598 321 2598 SH SOLE 0 0 2598 ISHARES TR RUS 1000 GRW ETF 464287614 1137 7511 SH SOLE 0 0 7511 ISHARES TR CORE S&P SCP ETF 464287804 270 3505 SH SOLE 0 0 3505 ISHARES TR JPMORGAN USD EMG 464288281 2803 25469 SH SOLE 0 0 25469 ISHARES TR NATIONAL MUN ETF 464288414 2471 22227 SH SOLE 0 0 22227 ISHARES TR IBOXX HI YD ETF 464288513 1512 17481 SH SOLE 0 0 17481 ISHARES TR FLTG RATE NT ETF 46429B655 4343 85301 SH SOLE 0 0 85301 ISHARES TR CORE MSCI EAFE 46432F842 708 11651 SH SOLE 0 0 11651 ISHARES TR 0-5YR HI YL CP 46434V407 3269 69989 SH SOLE 0 0 69989 ISHARES TR HDG MSCI EAFE 46434V803 305 10564 SH SOLE 0 0 10564 JOHNSON & JOHNSON COM 478160104 768 5496 SH SOLE 0 0 5496 JPMORGAN CHASE & CO COM 46625H100 2116 20904 SH SOLE 0 0 20904 MERCK & CO INC COM 58933Y105 567 6822 SH SOLE 0 0 6822 MICROSOFT CORP COM 594918104 385 3266 SH SOLE 0 0 3266 NEXTERA ENERGY INC COM 65339F101 201 1040 SH SOLE 0 0 1040 PIMCO ETF TR INV GRD CRP BD 72201R817 6252 60265 SH SOLE 0 0 60265 RESTAURANT BRANDS INTL INC COM 76131D103 210 35300 SH SOLE 0 0 35300 SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6146 90323 SH SOLE 0 0 90323 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 27767 410696 SH SOLE 0 0 410696 SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1028 12937 SH SOLE 0 0 12937 SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 455 8314 SH SOLE 0 0 8314 SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6993 126257 SH SOLE 0 0 126257 SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5487 78467 SH SOLE 0 0 78467 SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 6638 255193 SH SOLE 0 0 255193 SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1042 19930 SH SOLE 0 0 19930 SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 14167 452474 SH SOLE 0 0 452474 SCHWAB STRATEGIC TR US AGGREGATE B 808524839 19281 371640 SH SOLE 0 0 371640 SCHWAB STRATEGIC TR SHT TM US TRES 808524862 603 12020 SH SOLE 0 0 12020 SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1594 44562 SH SOLE 0 0 44562 SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3502 119899 SH SOLE 0 0 119899 SPDR SER TR BLOMBERG BRC INV 78468R200 14625 476394 SH SOLE 0 0 476394 SPDR SER TR NUVEEN BRC MUNIC 78468R721 6668 135302 SH SOLE 0 0 135302 SPDR SER TR PRTFLO S&P500 HI 78468R788 211 5572 SH SOLE 0 0 5572 SPDR SER TR PORTFOLIO SM ETF 78468R853 1311 43364 SH SOLE 0 0 43364 SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 1996 58423 SH SOLE 0 0 58423 SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 6646 232862 SH SOLE 0 0 232862 SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 1481 42088 SH SOLE 0 0 42088 SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 1636 49082 SH SOLE 0 0 49082 SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 6550 197098 SH SOLE 0 0 197098 VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 345 6886 SH SOLE 0 0 6886 VERIZON COMMUNICATIONS INC COM 92343V104 229 3875 SH SOLE 0 0 3875 WISDOMTREE TR YIELD ENHANCD US 97717X511 202 4050 SH SOLE 0 0 4050