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
AMAZON COM INC COM 023135106 259 137 SH   SOLE   0 0 137
APPLE INC COM 037833100 1,463 7,393 SH   SOLE   0 0 7,393
AT&T INC COM 00206R102 914 27,272 SH   SOLE   0 0 27,272
BANK AMER CORP COM 060505104 263 9,080 SH   SOLE   0 0 9,080
BERKSHIRE HATHAWAY INC DEL CL A 084670108 955 300 SH   SOLE   0 0 300
COCA COLA CONSOLIDATED INC COM 191098102 426 8,363 SH   SOLE   0 0 8,363
COLGATE PALMOLIVE CO COM 194162103 523 7,301 SH   SOLE   0 0 7,301
FACEBOOK INC CL A 30303M102 217 1,125 SH   SOLE   0 0 1,125
HOME DEPOT INC COM 437076102 262 1,260 SH   SOLE   0 0 1,260
INTERNATIONAL BUSINESS MACHS COM 459200101 208 1,511 SH   SOLE   0 0 1,511
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 10,119 533,981 SH   SOLE   0 0 533,981
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 6,849 235,845 SH   SOLE   0 0 235,845
ISHARES TR CORE S&P500 ETF 464287200 3,613 2,055 SH   SOLE   0 0 2,055
ISHARES TR CORE US AGGBD ET 464287226 664 5,960 SH   SOLE   0 0 5,960
ISHARES TR IBOXX INV CP ETF 464287242 726 5,836 SH   SOLE   0 0 5,836
ISHARES TR RUS 1000 VAL ETF 464287598 331 2,598 SH   SOLE   0 0 2,598
ISHARES TR RUS 1000 GRW ETF 464287614 1,182 7,511 SH   SOLE   0 0 7,511
ISHARES TR CORE S&P SCP ETF 464287804 223 2,845 SH   SOLE   0 0 2,845
ISHARES TR JPMORGAN USD EMG 464288281 2,877 25,391 SH   SOLE   0 0 25,391
ISHARES TR NATIONAL MUN ETF 464288414 2,586 22,871 SH   SOLE   0 0 22,871
ISHARES TR IBOXX HI YD ETF 464288513 1,299 14,903 SH   SOLE   0 0 14,903
ISHARES TR FLTG RATE NT ETF 46429B655 4,910 96,407 SH   SOLE   0 0 96,407
ISHARES TR CORE MSCI EAFE 46432F842 527 8,590 SH   SOLE   0 0 8,590
ISHARES TR 0-5YR HI YL CP 46434V407 2,907 62,252 SH   SOLE   0 0 62,252
ISHARES TR HDG MSCI EAFE 46434V803 315 10,564 SH   SOLE   0 0 10,564
JOHNSON & JOHNSON COM 478160104 794 5,700 SH   SOLE   0 0 5,700
JPMORGAN CHASE & CO COM 46625H100 2,337 20,904 SH   SOLE   0 0 20,904
MERCK & CO INC COM 58933Y105 610 7,272 SH   SOLE   0 0 7,272
MICROSOFT CORP COM 594918104 506 3,776 SH   SOLE   0 0 3,776
NEXTERA ENERGY INC COM 65339F101 214 1,044 SH   SOLE   0 0 1,044
PIMCO ETF TR INV GRD CRP BD 72201R817 6,903 64,240 SH   SOLE   0 0 64,240
RESTAURANT BRANDS INTL INC COM 76131D103 221 35,300 SH   SOLE   0 0 35,300
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,004 113,481 SH   SOLE   0 0 113,481
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 29,815 424,775 SH   SOLE   0 0 424,775
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,076 12,937 SH   SOLE   0 0 12,937
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 467 8,314 SH   SOLE   0 0 8,314
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 7,321 128,229 SH   SOLE   0 0 128,229
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5,751 80,457 SH   SOLE   0 0 80,457
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 7,109 270,914 SH   SOLE   0 0 270,914
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,051 19,809 SH   SOLE   0 0 19,809
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 14,092 439,135 SH   SOLE   0 0 439,135
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 21,587 407,302 SH   SOLE   0 0 407,302
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 706 13,945 SH   SOLE   0 0 13,945
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,570 43,876 SH   SOLE   0 0 43,876
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3,180 107,460 SH   SOLE   0 0 107,460
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 2,091 59,873 SH   SOLE   0 0 59,873
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 7,089 243,038 SH   SOLE   0 0 243,038
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 1,789 49,062 SH   SOLE   0 0 49,062
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 1,604 47,083 SH   SOLE   0 0 47,083
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 6,524 188,878 SH   SOLE   0 0 188,878
SPDR SERIES TRUST BLOMBERG BRC INV 78468R200 17,586 572,278 SH   SOLE   0 0 572,278
SPDR SERIES TRUST NUVEEN BRC MUNIC 78468R721 7,289 145,378 SH   SOLE   0 0 145,378
SPDR SERIES TRUST PRTFLO S&P500 HI 78468R788 206 5,412 SH   SOLE   0 0 5,412
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853 1,272 41,526 SH   SOLE   0 0 41,526
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 315 6,171 SH   SOLE   0 0 6,171
VERIZON COMMUNICATIONS INC COM 92343V104 207 3,624 SH   SOLE   0 0 3,624
WISDOMTREE TR YIELD ENHANCD US 97717X511 208 4,050 SH   SOLE   0 0 4,050