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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
APPLE INC COM 037833100 223 988 SH   SOLE   0 0 988
MCDONALDS CORP COM 580135101 349 2,084 SH   SOLE   0 0 2,084
PIMCO ETF TR INV GRD CRP BD 72201R817 13,860 137,853 SH   SOLE   0 0 137,853
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 18,205 261,699 SH   SOLE   0 0 261,699
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,150 14,023 SH   SOLE   0 0 14,023
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 18,495 329,963 SH   SOLE   0 0 329,963
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 14,457 249,771 SH   SOLE   0 0 249,771
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 14,360 188,446 SH   SOLE   0 0 188,446
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 10,695 318,993 SH   SOLE   0 0 318,993
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 13,874 276,184 SH   SOLE   0 0 276,184
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 10,531 295,397 SH   SOLE   0 0 295,397
VANGUARD INDEX FDS SML CP GRW ETF 922908595 211 1,121 SH   SOLE   0 0 1,121
VANGUARD INDEX FDS SM CP VAL ETF 922908611 27,857 199,812 SH   SOLE   0 0 199,812