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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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
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 44,061 423,784 SH   SOLE   0 0 423,784
ISHARES TR CORE US AGGBD ET 464287226 32,399 280,895 SH   SOLE   0 0 280,895
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 32,145 588,728 SH   SOLE   0 0 588,728
ISHARES TR CORE S&P500 ETF 464287200 29,620 68,787 SH   SOLE   0 0 68,787
SPDR SER TR BLOMBERG BRC INV 78468R200 19,460 634,913 SH   SOLE   0 0 634,913
ISHARES TR FLTG RATE NT ETF 46429B655 18,544 364,900 SH   SOLE   0 0 364,900
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 16,944 429,507 SH   SOLE   0 0 429,507
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 16,441 595,260 SH   SOLE   0 0 595,260
ISHARES TR IBOXX HI YD ETF 464288513 15,897 180,562 SH   SOLE   0 0 180,562
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 15,582 797,450 SH   SOLE   0 0 797,450
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 13,921 423,396 SH   SOLE   0 0 423,396
ISHARES TR CORE MSCI EAFE 46432F842 13,685 182,804 SH   SOLE   0 0 182,804
PIMCO ETF TR INV GRD CRP BD 72201R817 13,123 114,635 SH   SOLE   0 0 114,635
ISHARES TR NATIONAL MUN ETF 464288414 13,113 111,883 SH   SOLE   0 0 111,883
SPDR TR S&P 500 ETF TR TR UNIT 78462F103 12,729 29,736 SH   SOLE   0 0 29,736
ISHARES TR JPMORGAN USD EMG 464288281 12,523 111,352 SH   SOLE   0 0 111,352
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 10,944 217,439 SH   SOLE   0 0 217,439
ISHARES TR CORE MSCI EMKT 46434G103 10,878 162,414 SH   SOLE   0 0 162,414
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 10,827 103,839 SH   SOLE   0 0 103,839
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 SERIES TRUST PORTFOLIO AGRGTE 78464A649 10,470 348,868 SH   SOLE   0 0 348,868
ISHARES TR CORE S&P SCP ETF 464287804 10,323 91,378 SH   SOLE   0 0 91,378
ISHARES TR CORE S&P MCP ETF 464287507 10,029 37,321 SH   SOLE   0 0 37,321
SPDR SER TR NUVEEN BRC MUNIC 78468R721 9,384 180,073 SH   SOLE   0 0 180,073
ISHARES TR IBOXX INV CP ETF 464287242 8,907 66,289 SH   SOLE   0 0 66,289
ISHARES TR 0-5YR HI YL CP 46434V407 8,822 191,537 SH   SOLE   0 0 191,537
APPLE INC COM 037833100 8,271 60,394 SH   SOLE   0 0 60,394
ISHARES TR CORE S&P TTL STK 464287150 7,713 78,094 SH   SOLE   0 0 78,094
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 7,646 207,838 SH   SOLE   0 0 207,838
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 7,103 193,554 SH   SOLE   0 0 193,554
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 6,396 140,561 SH   SOLE   0 0 140,561
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,882 51,340 SH   SOLE   0 0 51,340
ISHARES TR NASDAQ BIOTECH 464287556 2,996 18,305 SH   SOLE   0 0 18,305
SPDR SER TR PORTFOLIO SM ETF 78468R853 2,552 58,081 SH   SOLE   0 0 58,081
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 2,528 53,543 SH   SOLE   0 0 53,543
MICROSOFT CORP COM 594918104 2,386 8,808 SH   SOLE   0 0 8,808
ISHARES TR CORE DIV GRWTH 46434V621 2,300 45,667 SH   SOLE   0 0 45,667
FACEBOOK INC CL A 30303M102 2,191 6,302 SH   SOLE   0 0 6,302
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 2,053 38,752 SH   SOLE   0 0 38,752
ISHARES TR RUS 1000 GRW ETF 464287614 2,019 7,436 SH   SOLE   0 0 7,436
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,961 13,434 SH   SOLE   0 0 13,434
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,478 36,861 SH   SOLE   0 0 36,861
JPMORGAN CHASE & CO COM 46625H100 1,440 9,258 SH   SOLE   0 0 9,258
JOHNSON & JOHNSON COM 478160104 1,023 6,207 SH   SOLE   0 0 6,207
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,010 19,726 SH   SOLE   0 0 19,726
ISHARES TR 1 3 YR TREAS BD 464287457 908 10,535 SH   SOLE   0 0 10,535
AT&T INC COM 00206R102 883 30,695 SH   SOLE   0 0 30,695
VANGUARD INDEX FDS TOTAL STK MKT 922908769 873 3,919 SH   SOLE   0 0 3,919
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 821 2,616 SH   SOLE   0 0 2,616
ALPHABET INC CAP STK CL A 02079K305 715 293 SH   SOLE   0 0 293
INVESCO QQQ TR UNIT SER 1 46090E103 657 1,854 SH   SOLE   0 0 1,854
MERCK & CO INC COM 58933Y105 613 7,886 SH   SOLE   0 0 7,886
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 564 8,251 SH   SOLE   0 0 8,251
BANK AMER CORP COM 060505104 547 13,256 SH   SOLE   0 0 13,256
VISA INC COM CL A 92826C839 531 2,273 SH   SOLE   0 0 2,273
SELECT SECTOR SPDR TR ENERGY 81369Y506 497 9,224 SH   SOLE   0 0 9,224
ISHARES TR RUS 1000 VAL ETF 464287598 496 3,125 SH   SOLE   0 0 3,125
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 465 9,863 SH   SOLE   0 0 9,863
COUPANG INC CL A 22266T109 460 11,000 SH   SOLE   0 0 11,000
DISNEY WALT CO COM 254687106 460 2,620 SH   SOLE   0 0 2,620
COCA COLA CONSOLIDATED INC COM 191098102 458 8,471 SH   SOLE   0 0 8,471
ISHARES TR US AER DEF ETF 464288760 423 3,860 SH   SOLE   0 0 3,860
VANGUARD WORLD FDS INF TECH ETF 92204A702 420 1,052 SH   SOLE   0 0 1,052
HOME DEPOT INC COM 437076102 371 1,162 SH   SOLE   0 0 1,162
AMAZON COM INC COM 023135106 368 107 SH   SOLE   0 0 107
CISCO SYS INC COM 17275R102 354 6,676 SH   SOLE   0 0 6,676
RESTAURANT BRANDS INTL INC COM 76131D103 349 35,300 SH   SOLE   0 0 35,300
LAS VEGAS SANDS CORP COM 517834107 332 6,300 SH   SOLE   0 0 6,300
QUALCOMM INC COM 747525103 312 2,186 SH   SOLE   0 0 2,186
ISHARES TR RUSSELL 1000 US 46435G169 311 1,285 SH   SOLE   0 0 1,285
BOEING CO COM 097023105 295 1,230 SH   SOLE   0 0 1,230
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 289 4,562 SH   SOLE   0 0 4,562
BRISTOL MYERS SQUIBB CO COM 110122108 288 4,307 SH   SOLE   0 0 4,307
PHILIP MORRIS INTL INC COM 718172109 288 6,038 SH   SOLE   0 0 6,038
COLGATE PALMOLIVE CO COM 194162103 276 3,390 SH   SOLE   0 0 3,390
PFIZER INC COM 717081103 272 6,946 SH   SOLE   0 0 6,946
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 266 1,717 SH   SOLE   0 0 1,717
Procter & Gamble Co COM 742718109 265 1,964 SH   SOLE   0 0 1,964
CHEVRON CORP NEW COM 166764100 257 2,450 SH   SOLE   0 0 2,450
VERIZON COMMUNICATIONS INC COM 92343V104 251 4,486 SH   SOLE   0 0 4,486
NEXTERA ENERGY INC COM 65339F101 244 3,324 SH   SOLE   0 0 3,324
SPDR SER TR PORTFOLIO SHORT 78464A474 229 7,476 SH   SOLE   0 0 7,476
VANGUARD INTL EQUITY INDEX FTSE EMR MKT ETF 922042858 229 4,208 SH   SOLE   0 0 4,208
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 220 3,684 SH   SOLE   0 0 3,684
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 216 4,462 SH   SOLE   0 0 4,462
WISDOMTREE TR COM 97717X511 211 4,050 SH   SOLE   0 0 4,050
INTERNATIONAL BUSINESS MACHS COM 459200101 210 1,432 SH   SOLE   0 0 1,432