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

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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
APPLE INC COM 037833100 201 1,059 SH   SOLE   0 0 1,059
MCDONALDS CORP COM 580135101 399 2,102 SH   SOLE   0 0 2,102
PIMCO ETF TR INV GRD CRP BD 72201R817 10,829 104,362 SH   SOLE   0 0 104,362
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 18,633 234,460 SH   SOLE   0 0 234,460
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 14,901 272,368 SH   SOLE   0 0 272,368
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 11,393 205,719 SH   SOLE   0 0 205,719
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 11,050 157,937 SH   SOLE   0 0 157,937
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2,170 69,877 SH   SOLE   0 0 69,877
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 2,160 78,418 SH   SOLE   0 0 78,418
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 2,808 75,345 SH   SOLE   0 0 75,345
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,666 276,616 SH   SOLE   0 0 276,616
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 10,621 204,871 SH   SOLE   0 0 204,871
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 8,399 260,523 SH   SOLE   0 0 260,523
SPDR SER TR ICE BOFAML ETF 78468R606 3,685 141,709 SH   SOLE   0 0 141,709
SPDR SER TR PRTFLO S&P500 HI 78468R788 3,698 97,789 SH   SOLE   0 0 97,789
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 5,557 92,110 SH   SOLE   0 0 92,110
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 2,820 84,549 SH   SOLE   0 0 84,549
VANGUARD INDEX FDS SML CP GRW ETF 922908595 234 1,308 SH   SOLE   0 0 1,308
VANGUARD INDEX FDS SM CP VAL ETF 922908611 21,489 166,833 SH   SOLE   0 0 166,833
VERIZON COMMUNICATIONS INC COM 92343V104 222 3,764 SH   SOLE   0 0 3,764
WISDOMTREE TR YIELD ENHANCD US 97717X511 3,610 72,571 SH   SOLE   0 0 72,571