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
Estimated average burden
hours per response: 23.8
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 259 133 SH   SOLE   0 0 133
APPLE INC COM 037833100 1,818 7,149 SH   SOLE   0 0 7,149
AT&T INC COM 00206R102 784 26,890 SH   SOLE   0 0 26,890
BERKSHIRE HATHAWAY INC DEL CL A 084670108 544 200 SH   SOLE   0 0 200
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 338 1,847 SH   SOLE   0 0 1,847
COCA COLA CO COM 191216100 349 7,883 SH   SOLE   0 0 7,883
COLGATE PALMOLIVE CO COM 194162103 356 5,364 SH   SOLE   0 0 5,364
FACEBOOK INC CL A 30303M102 204 1,225 SH   SOLE   0 0 1,225
INVESCO EXCHANGE-TRADED FD T FNDMNTL HY CRP 46138E719 9,436 569,108 SH   SOLE   0 0 569,108
INVESCO EXCHANGE-TRADED FD T EMRNG MKT SVRG 46138E784 5,775 241,546 SH   SOLE   0 0 241,546
ISHARES INC CORE MSCI EMKT 46434G103 320 7,792 SH   SOLE   0 0 7,792
ISHARES TR CORE S&P500 ETF 464287200 764 2,840 SH   SOLE   0 0 2,840
ISHARES TR CORE US AGGBD ET 464287226 895 7,737 SH   SOLE   0 0 7,737
ISHARES TR IBOXX INV CP ETF 464287242 625 5,042 SH   SOLE   0 0 5,042
ISHARES TR RUS 1000 VAL ETF 464287598 273 2,751 SH   SOLE   0 0 2,751
ISHARES TR RUS 1000 GRW ETF 464287614 1,048 6,956 SH   SOLE   0 0 6,956
ISHARES TR JPMORGAN USD EMG 464288281 2,894 29,913 SH   SOLE   0 0 29,913
ISHARES TR NATIONAL MUN ETF 464288414 2,669 23,618 SH   SOLE   0 0 23,618
ISHARES TR IBOXX HI YD ETF 464288513 1,576 20,414 SH   SOLE   0 0 20,414
ISHARES TR FLTG RATE NT ETF 46429B655 4,851 99,483 SH   SOLE   0 0 99,483
ISHARES TR CORE MSCI EAFE 46432F842 745 14,783 SH   SOLE   0 0 14,783
ISHARES TR 0-5YR HI YL CP 46434V407 3,110 76,089 SH   SOLE   0 0 76,089
ISHARES TR HDG MSCI EAFE 46434V803 256 10,564 SH   SOLE   0 0 10,564
JOHNSON & JOHNSON COM 478160104 666 5,080 SH   SOLE   0 0 5,080
JPMORGAN CHASE & CO COM 46625H100 919 10,211 SH   SOLE   0 0 10,211
MERCK & CO. INC COM 58933Y105 710 9,229 SH   SOLE   0 0 9,229
MICROSOFT CORP COM 594918104 623 3,953 SH   SOLE   0 0 3,953
PIMCO ETF TR INV GRD CRP BD 72201R817 7,604 71,835 SH   SOLE   0 0 71,835
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,398 89,326 SH   SOLE   0 0 89,326
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 24,700 403,258 SH   SOLE   0 0 403,258
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,025 12,866 SH   SOLE   0 0 12,866
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 367 8,284 SH   SOLE   0 0 8,284
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,364 127,224 SH   SOLE   0 0 127,224
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,099 79,564 SH   SOLE   0 0 79,564
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 6,509 314,573 SH   SOLE   0 0 314,573
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,447 76,639 SH   SOLE   0 0 76,639
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 10,869 420,639 SH   SOLE   0 0 420,639
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 25,262 465,493 SH   SOLE   0 0 465,493
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 803 15,527 SH   SOLE   0 0 15,527
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,750 61,478 SH   SOLE   0 0 61,478
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 2,977 124,365 SH   SOLE   0 0 124,365
SPDR SER TR PORTFOLIO INTRMD 78464A375 2,242 65,911 SH   SOLE   0 0 65,911
SPDR SER TR PORTFOLIO AGRGTE 78464A649 7,942 262,792 SH   SOLE   0 0 262,792
SPDR SER TR PORTFOLI S&P1500 78464A805 1,231 39,143 SH   SOLE   0 0 39,143
SPDR SER TR PORTFOLIO S&P400 78464A847 1,212 47,851 SH   SOLE   0 0 47,851
SPDR SER TR PORTFOLIO S&P500 78464A854 5,803 191,841 SH   SOLE   0 0 191,841
SPDR SER TR BLOMBERG BRC INV 78468R200 15,940 542,191 SH   SOLE   0 0 542,191
SPDR SER TR NUVEEN BRC MUNIC 78468R721 8,023 160,463 SH   SOLE   0 0 160,463
SPDR SER TR PRTFLO S&P500 HI 78468R788 730 29,675 SH   SOLE   0 0 29,675
SPDR SER TR PORTFOLIO S&P600 78468R853 972 44,507 SH   SOLE   0 0 44,507
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 252 6,148 SH   SOLE   0 0 6,148
WISDOMTREE TR YIELD ENHANCD US 97717X511 209 4,050 SH   SOLE   0 0 4,050