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
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
FIRST TR EXCHANG TRADED FD I MANAGD MUN ETF 33739N108 2,189 41,607 SH   SOLE   0 0 41,607
FIRST TR EXCHANGE TRADED FD FST LOW OPPT EFT 33739Q200 1,401 27,449 SH   SOLE   0 0 27,449
GREIF INC CL A 397624107 362 9,750 SH   SOLE   0 0 9,750
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 462 15,993 SH   SOLE   0 0 15,993
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 6,501 139,360 SH   SOLE   0 0 139,360
INVESCO EXCHNG TRADED FD TR S&P500 HDL VOL 46138E362 270 7,058 SH   SOLE   0 0 7,058
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 377 14,251 SH   SOLE   0 0 14,251
INVESCO EXCHNG TRADED FD TR S&P SMLCP LOW 46138G102 5,214 122,284 SH   SOLE   0 0 122,284
ISHARES TR CORE S&P500 ETF 464287200 3,753 14,915 SH   SOLE   0 0 14,915
ISHARES TR CORE US AGGBD ET 464287226 348 3,271 SH   SOLE   0 0 3,271
ISHARES TR S&P 500 GRWT ETF 464287309 221 1,468 SH   SOLE   0 0 1,468
ISHARES TR CORE S&P MCP ETF 464287507 3,132 18,862 SH   SOLE   0 0 18,862
ISHARES TR S&P MC 400VL ETF 464287705 281 2,028 SH   SOLE   0 0 2,028
ISHARES TR CORE S&P SCP ETF 464287804 2,955 42,634 SH   SOLE   0 0 42,634
ISHARES TR EAFE SML CP ETF 464288273 203 3,910 SH   SOLE   0 0 3,910
ISHARES TR NATIONAL MUN ETF 464288414 4,450 40,813 SH   SOLE   0 0 40,813
ISHARES TR RUS TP200 VL ETF 464289420 273 5,709 SH   SOLE   0 0 5,709
ISHARES TR MIN VOL EAFE ETF 46429B689 5,922 88,842 SH   SOLE   0 0 88,842
ISHARES TR CORE MSCI TOTAL 46432F834 1,964 37,396 SH   SOLE   0 0 37,396
ISHARES TR CORE 1 5 YR USD 46432F859 579 11,798 SH   SOLE   0 0 11,798
ISHARES TR 0-5YR HI YL CP 46434V407 399 8,957 SH   SOLE   0 0 8,957
LEGG MASON ETF INVESTMENT TR LOW DIVI ETF 52468L406 215 7,493 SH   SOLE   0 0 7,493
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 243 5,495 SH   SOLE   0 0 5,495
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,946 41,087 SH   SOLE   0 0 41,087
SPDR SER TR NUVEEN BLMBRG SR 78468R739 3,944 82,055 SH   SOLE   0 0 82,055
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 16,174 270,927 SH   SOLE   0 0 270,927
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 263 3,819 SH   SOLE   0 0 3,819
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 10,222 213,278 SH   SOLE   0 0 213,278
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,452 172,243 SH   SOLE   0 0 172,243
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 262 11,137 SH   SOLE   0 0 11,137
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,939 315,303 SH   SOLE   0 0 315,303
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 383 7,563 SH   SOLE   0 0 7,563
SCHWAB STRATEGIC TR US REIT ETF 808524847 6,743 175,107 SH   SOLE   0 0 175,107
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 662 13,270 SH   SOLE   0 0 13,270
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 3,502 64,553 SH   SOLE   0 0 64,553
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 222 2,978 SH   SOLE   0 0 2,978