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
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 32,815 442,845 SH   SOLE   0 0 442,845
ISHARES TR CORE US AGGBD ET 464287226 25,216 213,260 SH   SOLE   0 0 213,260
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 24,827 441,453 SH   SOLE   0 0 441,453
ISHARES TR CORE S&P500 ETF 464287200 16,775 53,868 SH   SOLE   0 0 53,868
SPDR SER TR BLOMBERG BRC INV 78468R200 15,607 512,037 SH   SOLE   0 0 512,037
ISHARES TR FLTG RATE NT ETF 46429B655 15,330 303,023 SH   SOLE   0 0 303,023
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 14,369 482,994 SH   SOLE   0 0 482,994
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 12,556 468,870 SH   SOLE   0 0 468,870
SPDR TR S&P 500 ETF TR TR UNIT 78462F103 11,685 37,895 SH   SOLE   0 0 37,895
PIMCO ETF TR INV GRD CRP BD 72201R817 11,061 96,795 SH   SOLE   0 0 96,795
ISHARES TR IBOXX HI YD ETF 464288513 10,996 134,690 SH   SOLE   0 0 134,690
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 10,640 587,871 SH   SOLE   0 0 587,871
ISHARES TR CORE MSCI EAFE 46432F842 10,389 181,648 SH   SOLE   0 0 181,648
ISHARES TR NATIONAL MUN ETF 464288414 10,061 87,186 SH   SOLE   0 0 87,186
ISHARES TR JPMORGAN USD EMG 464288281 9,848 90,150 SH   SOLE   0 0 90,150
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 9,281 256,026 SH   SOLE   0 0 256,026
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 8,908 365,835 SH   SOLE   0 0 365,835
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 8,425 160,113 SH   SOLE   0 0 160,113
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 8,156 264,301 SH   SOLE   0 0 264,301
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 7,957 288,080 SH   SOLE   0 0 288,080
SPDR SER TR NUVEEN BRC MUNIC 78468R721 7,785 150,699 SH   SOLE   0 0 150,699
ISHARES TR IBOXX INV CP ETF 464287242 7,108 52,838 SH   SOLE   0 0 52,838
ISHARES TR CORE S&P MCP ETF 464287507 7,076 39,767 SH   SOLE   0 0 39,767
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6,705 102,611 SH   SOLE   0 0 102,611
ISHARES TR CORE MSCI EMKT 46434G103 6,159 129,282 SH   SOLE   0 0 129,282
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 6,098 166,923 SH   SOLE   0 0 166,923
APPLE INC COM 037833100 6,073 16,646 SH   SOLE   0 0 16,646
ISHARES TR 0-5YR HI YL CP 46434V407 5,817 135,630 SH   SOLE   0 0 135,630
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,775 78,605 SH   SOLE   0 0 78,605
ISHARES TR CORE S&P SCP ETF 464287804 5,653 82,721 SH   SOLE   0 0 82,721
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 4,953 148,032 SH   SOLE   0 0 148,032
ISHARES TR CORE S&P TTL STK 464287150 4,831 69,498 SH   SOLE   0 0 69,498
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 2,299 73,560 SH   SOLE   0 0 73,560
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,027 39,264 SH   SOLE   0 0 39,264
ISHARES TR NASDAQ BIOTECH 464287556 1,998 14,618 SH   SOLE   0 0 14,618
SPDR SER TR PORTFOLIO SM ETF 78468R853 1,881 70,791 SH   SOLE   0 0 70,791
ISHARES TR 1 3 YR TREAS BD 464287457 1,736 20,047 SH   SOLE   0 0 20,047
MICROSOFT CORP COM 594918104 1,725 8,476 SH   SOLE   0 0 8,476
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 1,529 40,480 SH   SOLE   0 0 40,480
FACEBOOK INC CL A 30303M102 1,425 6,274 SH   SOLE   0 0 6,274
ISHARES TR RUS 1000 GRW ETF 464287614 1,414 7,364 SH   SOLE   0 0 7,364
JPMORGAN CHASE & CO COM 46625H100 1,303 13,854 SH   SOLE   0 0 13,854
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,301 12,813 SH   SOLE   0 0 12,813
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,214 23,463 SH   SOLE   0 0 23,463
AMERICAN INTL GROUP INC COM NEW COM NEW 026874784 1,074 34,438 SH   SOLE   0 0 34,438
AT&T INC COM 00206R102 915 30,277 SH   SOLE   0 0 30,277
JOHNSON & JOHNSON COM 478160104 715 5,081 SH   SOLE   0 0 5,081
MERCK & CO INC COM 58933Y105 714 9,229 SH   SOLE   0 0 9,229
ISHARES TR CORE DIV GRWTH 46434V621 680 18,086 SH   SOLE   0 0 18,086
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 612 3,429 SH   SOLE   0 0 3,429
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 523 2,613 SH   SOLE   0 0 2,613
SPDR SER TR PORTFOLIO SHORT 78464A474 520 16,936 SH   SOLE   0 0 16,936
AMAZON COM INC COM 023135106 516 187 SH   SOLE   0 0 187
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 415 8,272 SH   SOLE   0 0 8,272
COLGATE PALMOLIVE CO COM 194162103 393 5,366 SH   SOLE   0 0 5,366
ALPHABET INC CAP STK CL A 02079K305 387 273 SH   SOLE   0 0 273
ISHARES TR EDGE MSCI USA VL 46432F388 384 4,000 SH   SOLE   0 0 4,000
COCA COLA CONSOLIDATED INC COM 191098102 378 8,471 SH   SOLE   0 0 8,471
VISA INC COM CL A 92826C839 371 1,923 SH   SOLE   0 0 1,923
SPDR SER TR PRTFLO S&P500 HI 78468R788 362 13,002 SH   SOLE   0 0 13,002
BRISTOL MYERS SQUIBB CO COM 110122108 360 6,116 SH   SOLE   0 0 6,116
ISHARES TR RUS 1000 VAL ETF 464287598 351 3,115 SH   SOLE   0 0 3,115
SELECT SECTOR SPDR TR ENERGY 81369Y506 349 9,224 SH   SOLE   0 0 9,224
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 323 6,791 SH   SOLE   0 0 6,791
ISHARES TR US AER DEF ETF 464288760 318 1,930 SH   SOLE   0 0 1,930
BANK AMER CORP COM 060505104 312 13,132 SH   SOLE   0 0 13,132
VERIZON COMMUNICATIONS INC COM 92343V104 303 5,500 SH   SOLE   0 0 5,500
QUALCOMM INC COM 747525103 287 3,152 SH   SOLE   0 0 3,152
RESTAURANT BRANDS INTL INC COM 76131D103 268 35,300 SH   SOLE   0 0 35,300
HOME DEPOT INC COM 437076102 260 1,037 SH   SOLE   0 0 1,037
VANGUARD WORLD FDS INF TECH ETF 92204A702 234 840 SH   SOLE   0 0 840
BOEING CO COM 097023105 225 1,230 SH   SOLE   0 0 1,230
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 221 4,462 SH   SOLE   0 0 4,462
WISDOMTREE TR COM 97717X511 218 4,050 SH   SOLE   0 0 4,050
PFIZER INC COM 717081103 218 6,659 SH   SOLE   0 0 6,659
ISHARES TR RUSSELL 1000 US 46435G169 214 1,245 SH   SOLE   0 0 1,245
PNC FINL SVCS GROUP INC COM 693475105 208 1,978 SH   SOLE   0 0 1,978