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 43,886 814,972 SH   SOLE   0 0 814,972
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 32,149 635,727 SH   SOLE   0 0 635,727
ISHARES TR CORE S&P500 ETF 464287200 31,905 70,323 SH   SOLE   0 0 70,323
ISHARES TR CORE US AGGBD ET 464287226 30,663 286,306 SH   SOLE   0 0 286,306
SPDR SER TR BLOMBERG BRC INV 78468R200 19,479 638,873 SH   SOLE   0 0 638,873
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 16,914 460,623 SH   SOLE   0 0 460,623
ISHARES TR FLTG RATE NT ETF 46429B655 16,705 330,661 SH   SOLE   0 0 330,661
ISHARES TR JPMORGAN USD EMG 464288281 16,113 164,824 SH   SOLE   0 0 164,824
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 15,704 854,899 SH   SOLE   0 0 854,899
ISHARES TR IBOXX HI YD ETF 464288513 14,487 176,048 SH   SOLE   0 0 176,048
ISHARES TR CORE MSCI EAFE 46432F842 14,272 205,329 SH   SOLE   0 0 205,329
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 12,993 467,875 SH   SOLE   0 0 467,875
SPDR TR S&P 500 ETF TR TR UNIT 78462F103 12,654 28,018 SH   SOLE   0 0 28,018
ISHARES TR NATIONAL MUN ETF 464288414 11,753 107,199 SH   SOLE   0 0 107,199
PIMCO ETF TR INV GRD CRP BD 72201R817 11,555 110,952 SH   SOLE   0 0 110,952
APPLE INC COM 037833100 11,304 64,737 SH   SOLE   0 0 64,737
ISHARES TR CORE S&P MCP ETF 464287507 10,880 40,547 SH   SOLE   0 0 40,547
ISHARES TR CORE S&P SCP ETF 464287804 10,768 99,819 SH   SOLE   0 0 99,819
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 10,699 141,039 SH   SOLE   0 0 141,039
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 10,627 199,037 SH   SOLE   0 0 199,037
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,350 218,530 SH   SOLE   0 0 218,530
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 10,279 193,464 SH   SOLE   0 0 193,464
ISHARES TR CORE MSCI EMKT 46434G103 10,263 184,751 SH   SOLE   0 0 184,751
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 9,317 335,263 SH   SOLE   0 0 335,263
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 9,120 403,365 SH   SOLE   0 0 403,365
ISHARES TR 0-5YR HI YL CP 46434V407 8,884 202,102 SH   SOLE   0 0 202,102
SPDR SER TR NUVEEN BRC MUNIC 78468R721 8,546 178,492 SH   SOLE   0 0 178,492
ISHARES TR IBOXX INV CP ETF 464287242 8,448 69,851 SH   SOLE   0 0 69,851
ISHARES TR CORE S&P TTL STK 464287150 7,832 77,593 SH   SOLE   0 0 77,593
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 7,436 216,933 SH   SOLE   0 0 216,933
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 6,733 197,145 SH   SOLE   0 0 197,145
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 5,840 151,132 SH   SOLE   0 0 151,132
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,062 64,168 SH   SOLE   0 0 64,168
ISHARES TR CORE DIV GRWTH 46434V621 3,029 56,713 SH   SOLE   0 0 56,713
MICROSOFT CORP COM 594918104 2,869 9,307 SH   SOLE   0 0 9,307
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 2,404 50,979 SH   SOLE   0 0 50,979
SPDR SER TR PORTFOLIO SM ETF 78468R853 2,393 56,873 SH   SOLE   0 0 56,873
ISHARES TR NASDAQ BIOTECH 464287556 2,385 18,305 SH   SOLE   0 0 18,305
INVESCO QQQ TR UNIT SER 1 46090E103 2,184 6,025 SH   SOLE   0 0 6,025
ISHARES TR RUS 1000 GRW ETF 464287614 2,083 7,504 SH   SOLE   0 0 7,504
SPDR SER TR PRTFLO S&P500 HI 78468R788 2,063 46,947 SH   SOLE   0 0 46,947
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,982 26,490 SH   SOLE   0 0 26,490
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 1,873 33,693 SH   SOLE   0 0 33,693
FACEBOOK INC CL A 30303M102 1,548 6,963 SH   SOLE   0 0 6,963
PHASEBIO PHARMACEUTICALS INC COM 717224109 1,389 1,051,940 SH   SOLE   0 0 1,051,940
JPMORGAN CHASE & CO COM 46625H100 1,383 10,148 SH   SOLE   0 0 10,148
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,209 7,665 SH   SOLE   0 0 7,665
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,091 22,026 SH   SOLE   0 0 22,026
JOHNSON & JOHNSON COM 478160104 1,072 6,046 SH   SOLE   0 0 6,046
ISHARES TR 1 3 YR TREAS BD 464287457 1,044 12,521 SH   SOLE   0 0 12,521
VANGUARD INDEX FDS TOTAL STK MKT 922908769 872 3,828 SH   SOLE   0 0 3,828
ALPHABET INC CAP STK CL A 02079K305 815 293 SH   SOLE   0 0 293
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 798 2,613 SH   SOLE   0 0 2,613
AT&T INC COM 00206R102 745 31,541 SH   SOLE   0 0 31,541
MERCK & CO INC COM 58933Y105 723 8,808 SH   SOLE   0 0 8,808
SELECT SECTOR SPDR TR ENERGY 81369Y506 705 9,224 SH   SOLE   0 0 9,224
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 589 8,251 SH   SOLE   0 0 8,251
BANK AMER CORP COM 060505104 584 14,179 SH   SOLE   0 0 14,179
COCA COLA CONSOLIDATED INC COM 191098102 544 8,781 SH   SOLE   0 0 8,781
ISHARES TR RUS 1000 VAL ETF 464287598 542 3,268 SH   SOLE   0 0 3,268
VISA INC COM CL A 92826C839 509 2,293 SH   SOLE   0 0 2,293
DISNEY WALT CO COM 254687106 484 3,531 SH   SOLE   0 0 3,531
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 483 9,863 SH   SOLE   0 0 9,863
AMAZON COM INC COM 023135106 456 140 SH   SOLE   0 0 140
VANGUARD WORLD FDS INF TECH ETF 92204A702 438 1,052 SH   SOLE   0 0 1,052
ISHARES TR US AER DEF ETF 464288760 428 3,860 SH   SOLE   0 0 3,860
CHEVRON CORP NEW COM 166764100 399 2,450 SH   SOLE   0 0 2,450
VERIZON COMMUNICATIONS INC COM 92343V104 382 7,499 SH   SOLE   0 0 7,499
CISCO SYS INC COM 17275R102 380 6,807 SH   SOLE   0 0 6,807
PFIZER INC COM 717081103 374 7,216 SH   SOLE   0 0 7,216
HOME DEPOT INC COM 437076102 350 1,170 SH   SOLE   0 0 1,170
QUALCOMM INC COM 747525103 334 2,187 SH   SOLE   0 0 2,187
RESTAURANT BRANDS INTL INC COM 76131D103 330 35,300 SH   SOLE   0 0 35,300
COLGATE PALMOLIVE CO COM 194162103 327 4,316 SH   SOLE   0 0 4,316
ISHARES TR RUSSELL 1000 US 46435G169 321 1,285 SH   SOLE   0 0 1,285
COUPANG INC CL A 22266T109 318 17,970 SH   SOLE   0 0 17,970
PHILIP MORRIS INTL INC COM 718172109 315 6,038 SH   SOLE   0 0 6,038
BRISTOL MYERS SQUIBB CO COM 110122108 315 4,307 SH   SOLE   0 0 4,307
Procter & Gamble Co COM 742718109 311 2,037 SH   SOLE   0 0 2,037
NEXTERA ENERGY INC COM 65339F101 287 3,384 SH   SOLE   0 0 3,384
ALPHABET INC CAP STK CL C 02079K107 282 101 SH   SOLE   0 0 101
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 265 1,637 SH   SOLE   0 0 1,637
ISHARES TR S&P 100 ETF 464287101 262 1,257 SH   SOLE   0 0 1,257
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 258 3,684 SH   SOLE   0 0 3,684
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 256 4,445 SH   SOLE   0 0 4,445
LAS VEGAS SANDS CORP COM 517834107 245 6,300 SH   SOLE   0 0 6,300
HERSHEY CO COM 427866108 238 1,100 SH   SOLE   0 0 1,100
BOEING CO COM 097023105 237 1,235 SH   SOLE   0 0 1,235
CONSOLIDATED EDISON INC COM 209115104 225 2,374 SH   SOLE   0 0 2,374
SPDR SER TR PORTFOLIO SHORT 78464A474 222 7,473 SH   SOLE   0 0 7,473
NVIDIA CORPORATION COM 67066G104 213 779 SH   SOLE   0 0 779