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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
GENERAL ELECTRIC CO COM 369604103 421 61,684 SH   SOLE   61,684 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 489 13,890 SH   SOLE   13,890 0 0
ISHARES TR NATIONAL MUN ETF 464288414 554 4,801 SH   SOLE   4,801 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 651 16,440 SH   SOLE   16,440 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 759 10,245 SH   SOLE   10,245 0 0
SPDR S&P 500 ETF TR TR UNIT ETF 78462F103 812 2,634 SH   SOLE   2,634 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,240 41,691 SH   SOLE   41,691 0 0
INVESCO QQQ TR UNIT SER 1 ETF 46090E103 1,871 7,555 SH   SOLE   7,555 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,257 28,735 SH   SOLE   28,735 0 0
ISHARES TR USA QUAL FCTR ETF 46432F339 3,164 32,988 SH   SOLE   32,988 0 0
ISHARES TR EDGE MSCI USA VL ETF 46432F388 3,215 44,478 SH   SOLE   44,478 0 0
ISHARES TR MSCI MIN VOL ETF 46429B697 3,296 54,369 SH   SOLE   54,369 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 3,304 82,630 SH   SOLE   82,630 0 0
SCHWAB STRATEGIC TR US AGGREGATE B ETF 808524839 5,146 91,508 SH   SOLE   91,508 0 0
ISHARES TR EDGE US FIXD INM ETF 46435U796 5,180 51,069 SH   SOLE   51,069 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 6,773 37,615 SH   SOLE   37,615 0 0
SPDR SER TR S&P 600 SML CAP ETF 78464A813 13,478 228,363 SH   SOLE   228,363 0 0
ISHARES TR MSCI EAFE ETF 464287465 14,100 231,639 SH   SOLE   231,639 0 0
ISHARES TR USA MMNTM FCT ETF 46432F396 48,127 367,381 SH   SOLE   367,381 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 109,616 386,746 SH   SOLE   386,746 0 0