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 43,704 420,110 SH   SOLE   0 0 420,110
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 33,279 613,326 SH   SOLE   0 0 613,326
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 17,060 440,816 SH   SOLE   0 0 440,816
SPDR SER TR BLOMBERG BRC INV 78468R200 20,378 664,636 SH   SOLE   0 0 664,636
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 16,150 829,032 SH   SOLE   0 0 829,032
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 13,365 438,500 SH   SOLE   0 0 438,500
PIMCO ETF TR INV GRD CRP BD 72201R817 13,033 114,759 SH   SOLE   0 0 114,759
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 15,999 599,892 SH   SOLE   0 0 599,892
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 10,730 103,309 SH   SOLE   0 0 103,309
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 10,727 139,932 SH   SOLE   0 0 139,932
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,361 103,503 SH   SOLE   0 0 103,503
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 10,778 361,074 SH   SOLE   0 0 361,074
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 10,701 212,067 SH   SOLE   0 0 212,067
SPDR SER TR NUVEEN BRC MUNIC 78468R721 9,417 182,604 SH   SOLE   0 0 182,604
ISHARES TR FLTG RATE NT ETF 46429B655 18,690 367,615 SH   SOLE   0 0 367,615
ISHARES TR CORE S&P500 ETF 464287200 30,377 70,280 SH   SOLE   0 0 70,280
ISHARES TR JPMORGAN USD EMG 464288281 12,375 112,436 SH   SOLE   0 0 112,436
ISHARES TR 0-5YR HI YL CP 46434V407 9,085 198,795 SH   SOLE   0 0 198,795
APPLE INC COM 037833100 9,205 65,054 SH   SOLE   0 0 65,054
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,881 52,275 SH   SOLE   0 0 52,275
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 7,585 209,478 SH   SOLE   0 0 209,478
ISHARES TR NATIONAL MUN ETF 464288414 12,844 110,559 SH   SOLE   0 0 110,559
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 7,255 198,649 SH   SOLE   0 0 198,649
ISHARES TR IBOXX HI YD ETF 464288513 15,988 182,746 SH   SOLE   0 0 182,746
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 6,015 141,440 SH   SOLE   0 0 141,440
ISHARES TR CORE US AGGBD ET 464287226 32,411 282,262 SH   SOLE   0 0 282,262
ISHARES TR CORE MSCI EAFE 46432F842 14,249 191,878 SH   SOLE   0 0 191,878
ISHARES TR CORE S&P MCP ETF 464287507 10,489 39,861 SH   SOLE   0 0 39,861
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 2,526 54,733 SH   SOLE   0 0 54,733
SPDR SER TR PORTFOLIO SM ETF 78468R853 2,509 58,904 SH   SOLE   0 0 58,904
ISHARES TR CORE S&P SCP ETF 464287804 10,349 94,771 SH   SOLE   0 0 94,771
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,986 13,409 SH   SOLE   0 0 13,409
ISHARES TR RUS 1000 GRW ETF 464287614 2,052 7,486 SH   SOLE   0 0 7,486
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 2,010 37,934 SH   SOLE   0 0 37,934
ISHARES TR CORE MSCI EMKT 46434G103 10,549 170,795 SH   SOLE   0 0 170,795
ISHARES TR IBOXX INV CP ETF 464287242 8,926 67,099 SH   SOLE   0 0 67,099
MICROSOFT CORP COM 594918104 2,604 9,235 SH   SOLE   0 0 9,235
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,148 7,665 SH   SOLE   0 0 7,665
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,083 21,152 SH   SOLE   0 0 21,152
JOHNSON & JOHNSON COM 478160104 997 6,173 SH   SOLE   0 0 6,173
JPMORGAN CHASE & CO COM 46625H100 1,645 10,048 SH   SOLE   0 0 10,048
VANGUARD INDEX FDS TOTAL STK MKT 922908769 860 3,875 SH   SOLE   0 0 3,875
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,457 37,234 SH   SOLE   0 0 37,234
AT&T INC COM 00206R102 831 30,754 SH   SOLE   0 0 30,754
ISHARES TR CORE S&P TTL STK 464287150 7,722 78,468 SH   SOLE   0 0 78,468
INVESCO QQQ TR UNIT SER 1 46090E103 2,149 6,005 SH   SOLE   0 0 6,005
MERCK & CO INC COM 58933Y105 665 8,858 SH   SOLE   0 0 8,858
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 557 8,251 SH   SOLE   0 0 8,251
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 465 9,863 SH   SOLE   0 0 9,863
FACEBOOK INC CL A 30303M102 2,346 6,913 SH   SOLE   0 0 6,913
DISNEY WALT CO COM 254687106 596 3,522 SH   SOLE   0 0 3,522
COCA COLA CONSOLIDATED INC COM 191098102 448 8,536 SH   SOLE   0 0 8,536
ISHARES TR RUS 1000 VAL ETF 464287598 511 3,268 SH   SOLE   0 0 3,268
BANK AMER CORP COM 060505104 567 13,356 SH   SOLE   0 0 13,356
RESTAURANT BRANDS INTL INC COM 76131D103 378 35,300 SH   SOLE   0 0 35,300
AMAZON COM INC COM 023135106 365 111 SH   SOLE   0 0 111
CISCO SYS INC COM 17275R102 363 6,676 SH   SOLE   0 0 6,676
MODERNA INC COM 60770K107 280 728 SH   SOLE   0 0 728
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 268 4,389 SH   SOLE   0 0 4,389
ALPHABET INC CAP STK CL C 02079K107 269 101 SH   SOLE   0 0 101
NEXTERA ENERGY INC COM 65339F101 262 3,337 SH   SOLE   0 0 3,337
COLGATE PALMOLIVE CO COM 194162103 256 3,392 SH   SOLE   0 0 3,392
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 251 1,637 SH   SOLE   0 0 1,637
CHEVRON CORP NEW COM 166764100 249 2,450 SH   SOLE   0 0 2,450
ISHARES TR S&P 100 ETF 464287101 248 1,257 SH   SOLE   0 0 1,257
HOME DEPOT INC COM 437076102 381 1,162 SH   SOLE   0 0 1,162
LAS VEGAS SANDS CORP COM 517834107 231 6,300 SH   SOLE   0 0 6,300
ALPHABET INC CAP STK CL A 02079K305 783 293 SH   SOLE   0 0 293
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 216 4,462 SH   SOLE   0 0 4,462
WISDOMTREE TR COM 97717X511 210 4,050 SH   SOLE   0 0 4,050
VERIZON COMMUNICATIONS INC COM 92343V104 385 7,126 SH   SOLE   0 0 7,126
SPDR SER TR PORTFOLIO SHORT 78464A474 242 7,897 SH   SOLE   0 0 7,897
ISHARES TR RUSSELL 1000 US 46435G169 311 1,285 SH   SOLE   0 0 1,285
BRISTOL MYERS SQUIBB CO COM 110122108 255 4,307 SH   SOLE   0 0 4,307
ISHARES TR 1 3 YR TREAS BD 464287457 989 11,478 SH   SOLE   0 0 11,478
ISHARES TR NASDAQ BIOTECH 464287556 2,959 18,305 SH   SOLE   0 0 18,305
ISHARES TR US AER DEF ETF 464288760 402 3,860 SH   SOLE   0 0 3,860
KALA PHARMACEUTICALS INC COM 483119103 321 122,500 SH   SOLE   0 0 122,500
PFIZER INC COM 717081103 295 6,867 SH   SOLE   0 0 6,867
PHILIP MORRIS INTL INC COM 718172109 275 6,038 SH   SOLE   0 0 6,038
Procter & Gamble Co COM 742718109 282 2,014 SH   SOLE   0 0 2,014
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 224 3,684 SH   SOLE   0 0 3,684
QUALCOMM INC COM 747525103 282 2,187 SH   SOLE   0 0 2,187
APTEVO THERAPEUTICS INC COM NEW 03835L207 3,261 211,227 SH   SOLE   0 0 211,227
BOEING CO COM 097023105 272 1,235 SH   SOLE   0 0 1,235
COUPANG INC CL A 22266T109 500 17,970 SH   SOLE   0 0 17,970
G1 THERAPEUTICS INC COM 3621LQ109 235 17,500 SH   SOLE   0 0 17,500
IMPEL NEUROPHARMA INC COM 45258K109 615 50,500 SH   SOLE   0 0 50,500
ISHARES TR CORE DIV GRWTH 46434V621 2,287 45,518 SH   SOLE   0 0 45,518
SPDR TR S&P 500 ETF TR TR UNIT 78462F103 12,359 28,800 SH   SOLE   0 0 28,800
SELECT SECTOR SPDR TR ENERGY 81369Y506 480 9,224 SH   SOLE   0 0 9,224
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 810 2,613 SH   SOLE   0 0 2,613
VANGUARD WORLD FDS INF TECH ETF 92204A702 422 1,052 SH   SOLE   0 0 1,052
VISA INC COM CL A 92826C839 511 2,293 SH   SOLE   0 0 2,293