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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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
ABBOTT LABS COM 002824100 656 8,202 SH   SOLE   0 0 8,202
ABIOMED INC COM 003654100 286 1,000 SH   SOLE   0 0 1,000
AMERICAN ELEC PWR CO INC COM 025537101 322 3,844 SH   SOLE   0 0 3,844
INTERNATIONAL BUSINESS MACHS COM 459200101 263 1,861 SH   SOLE   0 0 1,861
ISHARES TR CORE S&P500 ETF 464287200 16,330 57,375 SH   SOLE   0 0 57,375
ISHARES TR CORE S&P MCP ETF 464287507 23,198 122,505 SH   SOLE   0 0 122,505
ISHARES TR S&P MC 400GR ETF 464287606 278 1,272 SH   SOLE   0 0 1,272
ISHARES TR CORE S&P SCP ETF 464287804 9,926 128,701 SH   SOLE   0 0 128,701
ISHARES TR SHRT NAT MUN ETF 464288158 3,654 34,464 SH   SOLE   0 0 34,464
ISHARES TR EAFE VALUE ETF 464288877 11,298 231,145 SH   SOLE   0 0 231,145
ISHARES TR EAFE GRWTH ETF 464288885 534 6,923 SH   SOLE   0 0 6,923
PROCTER AND GAMBLE CO COM 742718109 372 3,572 SH   SOLE   0 0 3,572
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 19,676 291,129 SH   SOLE   0 0 291,129
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,173 52,470 SH   SOLE   0 0 52,470
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,686 30,818 SH   SOLE   0 0 30,818
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 7,460 134,724 SH   SOLE   0 0 134,724
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,952 56,513 SH   SOLE   0 0 56,513
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 8,632 331,768 SH   SOLE   0 0 331,768
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 7,495 270,324 SH   SOLE   0 0 270,324
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 10,340 332,745 SH   SOLE   0 0 332,745
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 12,542 455,000 SH   SOLE   0 0 455,000
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 6,100 163,560 SH   SOLE   0 0 163,560
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 234 4,480 SH   SOLE   0 0 4,480
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 12,246 391,215 SH   SOLE   0 0 391,215
SCHWAB STRATEGIC TR US REIT ETF 808524847 10,611 238,850 SH   SOLE   0 0 238,850
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 11,598 215,632 SH   SOLE   0 0 215,632
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 14,106 280,995 SH   SOLE   0 0 280,995
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 13,147 407,594 SH   SOLE   0 0 407,594
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 9,532 213,975 SH   SOLE   0 0 213,975
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 409 11,313 SH   SOLE   0 0 11,313
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,770 60,575 SH   SOLE   0 0 60,575
SPDR SER TR BLOMBERG BRC INV 78468R200 7,476 243,857 SH   SOLE   0 0 243,857
SPDR SERIES TRUST BLOMBRG BRC INTL 78464A151 14,370 433,547 SH   SOLE   0 0 433,547
SPDR SERIES TRUST BLOMBERG BRC INT 78464A334 14,557 476,332 SH   SOLE   0 0 476,332
TRAVELERS COMPANIES INC COM 89417E109 219 1,600 SH   SOLE   0 0 1,600
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 969 6,263 SH   SOLE   0 0 6,263
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 443 4,068 SH   SOLE   0 0 4,068
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 5,615 46,865 SH   SOLE   0 0 46,865
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869 3,217 23,732 SH   SOLE   0 0 23,732
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 639 4,987 SH   SOLE   0 0 4,987
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 11,272 104,471 SH   SOLE   0 0 104,471
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,502 10,514 SH   SOLE   0 0 10,514
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,979 11,020 SH   SOLE   0 0 11,020
VANGUARD INDEX FDS SM CP VAL ETF 922908611 12,411 96,438 SH   SOLE   0 0 96,438
VANGUARD INDEX FDS VALUE ETF 922908744 9,964 92,549 SH   SOLE   0 0 92,549
VANGUARD INDEX FDS SMALL CP ETF 922908751 488 3,190 SH   SOLE   0 0 3,190
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 758 7,272 SH   SOLE   0 0 7,272
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,403 80,018 SH   SOLE   0 0 80,018
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 3,121 21,828 SH   SOLE   0 0 21,828
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 4,840 46,382 SH   SOLE   0 0 46,382
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 796 19,460 SH   SOLE   0 0 19,460