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
ALPHABET INC CAP STK CL A 02079K305 208 85 SH   SOLE   0 0 85
AMAZON COM INC COM 023135106 351 102 SH   SOLE   0 0 102
APPLE INC COM 037833100 3,826 27,935 SH   SOLE   0 0 27,935
AT&T INC COM 00206R102 840 29,195 SH   SOLE   0 0 29,195
BK OF AMERICA CORP COM 060505104 374 9,080 SH   SOLE   0 0 9,080
CHEVRON CORP NEW COM 166764100 257 2,450 SH   SOLE   0 0 2,450
CISCO SYS INC COM 17275R102 322 6,076 SH   SOLE   0 0 6,076
COCA COLA CONS INC COM 191098102 427 7,883 SH   SOLE   0 0 7,883
COLGATE PALMOLIVE CO COM 194162103 276 3,390 SH   SOLE   0 0 3,390
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 465 9,863 SH   SOLE   0 0 9,863
DISNEY WALT CO COM 254687106 428 2,437 SH   SOLE   0 0 2,437
FACEBOOK INC CL A 30303M102 436 1,253 SH   SOLE   0 0 1,253
HOME DEPOT INC COM 437076102 229 717 SH   SOLE   0 0 717
INTERNATIONAL BUSINESS MACHS COM 459200101 210 1,430 SH   SOLE   0 0 1,430
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 11,356 411,156 SH   SOLE   0 0 411,156
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 15,582 797,450 SH   SOLE   0 0 797,450
INVESCO QQQ TR UNIT SER 1 46090E103 657 1,854 SH   SOLE   0 0 1,854
ISHARES INC CORE MSCI EMKT 46434G103 1,311 19,598 SH   SOLE   0 0 19,598
ISHARES TR 0-5YR HI YL CP 46434V407 4,584 99,521 SH   SOLE   0 0 99,521
ISHARES TR CORE MSCI EAFE 46432F842 1,969 26,301 SH   SOLE   0 0 26,301
ISHARES TR CORE S&P MCP ETF 464287507 1,633 6,077 SH   SOLE   0 0 6,077
ISHARES TR CORE S&P SCP ETF 464287804 1,864 16,504 SH   SOLE   0 0 16,504
ISHARES TR CORE S&P TTL STK 464287150 573 5,795 SH   SOLE   0 0 5,795
ISHARES TR CORE S&P500 ETF 464287200 4,993 11,597 SH   SOLE   0 0 11,597
ISHARES TR CORE US AGGBD ET 464287226 2,477 21,475 SH   SOLE   0 0 21,475
ISHARES TR FLTG RATE NT ETF 46429B655 5,688 111,920 SH   SOLE   0 0 111,920
ISHARES TR IBOXX HI YD ETF 464288513 2,905 33,001 SH   SOLE   0 0 33,001
ISHARES TR IBOXX INV CP ETF 464287242 1,289 9,591 SH   SOLE   0 0 9,591
ISHARES TR JPMORGAN USD EMG 464288281 5,257 46,745 SH   SOLE   0 0 46,745
ISHARES TR NATIONAL MUN ETF 464288414 3,707 31,627 SH   SOLE   0 0 31,627
ISHARES TR RUS 1000 GRW ETF 464287614 1,829 6,736 SH   SOLE   0 0 6,736
ISHARES TR RUS 1000 VAL ETF 464287598 398 2,512 SH   SOLE   0 0 2,512
ISHARES TR RUSSELL 1000 US 46435G169 208 860 SH   SOLE   0 0 860
JOHNSON & JOHNSON COM 478160104 968 5,877 SH   SOLE   0 0 5,877
JPMORGAN CHASE & CO COM 46625H100 873 5,615 SH   SOLE   0 0 5,615
LAS VEGAS SANDS CORP COM 517834107 332 6,300 SH   SOLE   0 0 6,300
MERCK & CO INC COM 58933Y105 613 7,886 SH   SOLE   0 0 7,886
MICROSOFT CORP COM 594918104 1,170 4,320 SH   SOLE   0 0 4,320
NEXTERA ENERGY INC COM 65339F101 243 3,312 SH   SOLE   0 0 3,312
PIMCO ETF TR INV GRD CRP BD 72201R817 12,023 105,026 SH   SOLE   0 0 105,026
RESTAURANT BRANDS INTL INC COM 76131D103 349 35,300 SH   SOLE   0 0 35,300
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 13,921 423,396 SH   SOLE   0 0 423,396
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 16,944 429,507 SH   SOLE   0 0 429,507
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,010 19,726 SH   SOLE   0 0 19,726
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 32,145 588,728 SH   SOLE   0 0 588,728
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 10,827 103,839 SH   SOLE   0 0 103,839
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,882 51,340 SH   SOLE   0 0 51,340
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,961 13,434 SH   SOLE   0 0 13,434
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 564 8,251 SH   SOLE   0 0 8,251
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 44,061 423,784 SH   SOLE   0 0 423,784
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 10,740 137,222 SH   SOLE   0 0 137,222
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,523 101,011 SH   SOLE   0 0 101,011
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3,870 105,188 SH   SOLE   0 0 105,188
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 3,149 69,213 SH   SOLE   0 0 69,213
SPDR SER TR BLOMBERG BRC INV 78468R200 15,954 520,521 SH   SOLE   0 0 520,521
SPDR SER TR NUVEEN BRC MUNIC 78468R721 8,013 153,770 SH   SOLE   0 0 153,770
SPDR SER TR PORTFOLI S&P1500 78464A805 1,696 32,026 SH   SOLE   0 0 32,026
SPDR SER TR PORTFOLIO AGRGTE 78464A649 9,034 301,046 SH   SOLE   0 0 301,046
SPDR SER TR PORTFOLIO INTRMD 78464A375 3,213 87,536 SH   SOLE   0 0 87,536
SPDR SER TR PORTFOLIO S&P400 78464A847 2,026 42,925 SH   SOLE   0 0 42,925
SPDR SER TR PORTFOLIO S&P500 78464A854 8,845 175,731 SH   SOLE   0 0 175,731
SPDR SER TR PORTFOLIO S&P600 78468R853 2,047 46,583 SH   SOLE   0 0 46,583
SPDR SER TR PRTFLO S&P500 HI 78468R788 824 20,542 SH   SOLE   0 0 20,542
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 216 4,462 SH   SOLE   0 0 4,462
VANGUARD INDEX FDS TOTAL STK MKT 922908769 873 3,919 SH   SOLE   0 0 3,919
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 289 4,562 SH   SOLE   0 0 4,562
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 229 4,208 SH   SOLE   0 0 4,208
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 266 1,717 SH   SOLE   0 0 1,717
VERIZON COMMUNICATIONS INC COM 92343V104 219 3,917 SH   SOLE   0 0 3,917
WISDOMTREE TR YIELD ENHANCD US 97717X511 211 4,050 SH   SOLE   0 0 4,050