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
ABBOTT LABS COM 002824100 686 8,202 SH   SOLE   0 0 8,202
AMERICAN ELEC PWR CO INC COM 025537101 360 3,844 SH   SOLE   0 0 3,844
INTERNATIONAL BUSINESS MACHS COM 459200101 271 1,861 SH   SOLE   0 0 1,861
ISHARES TR CORE S&P500 ETF 464287200 16,054 53,795 SH   SOLE   0 0 53,795
ISHARES TR CORE S&P MCP ETF 464287507 24,070 124,599 SH   SOLE   0 0 124,599
ISHARES TR S&P MC 400GR ETF 464287606 280 1,250 SH   SOLE   0 0 1,250
ISHARES TR CORE S&P SCP ETF 464287804 10,418 133,827 SH   SOLE   0 0 133,827
ISHARES TR SHRT NAT MUN ETF 464288158 3,640 34,175 SH   SOLE   0 0 34,175
ISHARES TR EAFE VALUE ETF 464288877 11,046 233,286 SH   SOLE   0 0 233,286
ISHARES TR EAFE GRWTH ETF 464288885 557 6,904 SH   SOLE   0 0 6,904
PROCTER & GAMBLE CO COM 742718109 444 3,572 SH   SOLE   0 0 3,572
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 19,229 271,218 SH   SOLE   0 0 271,218
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,115 48,987 SH   SOLE   0 0 48,987
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,677 29,541 SH   SOLE   0 0 29,541
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 7,380 130,604 SH   SOLE   0 0 130,604
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,879 55,682 SH   SOLE   0 0 55,682
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 8,162 324,861 SH   SOLE   0 0 324,861
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 7,483 273,299 SH   SOLE   0 0 273,299
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 10,787 350,988 SH   SOLE   0 0 350,988
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 12,437 451,204 SH   SOLE   0 0 451,204
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 6,200 164,208 SH   SOLE   0 0 164,208
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 245 4,480 SH   SOLE   0 0 4,480
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 12,631 396,316 SH   SOLE   0 0 396,316
SCHWAB STRATEGIC TR US REIT ETF 808524847 11,275 238,959 SH   SOLE   0 0 238,959
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 12,147 218,510 SH   SOLE   0 0 218,510
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 15,127 299,157 SH   SOLE   0 0 299,157
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 13,071 411,047 SH   SOLE   0 0 411,047
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 9,400 216,171 SH   SOLE   0 0 216,171
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 408 16,968 SH   SOLE   0 0 16,968
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,783 60,749 SH   SOLE   0 0 60,749
SPDR SERIES TRUST BLOMBRG BRC INTL 78464A151 15,158 455,249 SH   SOLE   0 0 455,249
SPDR SERIES TRUST BLOMBERG BRC INT 78464A334 14,862 490,772 SH   SOLE   0 0 490,772
SPDR SERIES TRUST BLOMBERG BRC INV 78468R200 7,538 245,103 SH   SOLE   0 0 245,103
TRAVELERS COMPANIES INC COM 89417E109 238 1,600 SH   SOLE   0 0 1,600
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 984 6,085 SH   SOLE   0 0 6,085
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 430 3,742 SH   SOLE   0 0 3,742
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 5,614 45,484 SH   SOLE   0 0 45,484
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869 3,155 22,621 SH   SOLE   0 0 22,621
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 629 4,815 SH   SOLE   0 0 4,815
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 11,113 98,371 SH   SOLE   0 0 98,371
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,321 8,920 SH   SOLE   0 0 8,920
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,872 10,300 SH   SOLE   0 0 10,300
VANGUARD INDEX FDS SM CP VAL ETF 922908611 12,098 93,866 SH   SOLE   0 0 93,866
VANGUARD INDEX FDS VALUE ETF 922908744 10,578 94,869 SH   SOLE   0 0 94,869
VANGUARD INDEX FDS SMALL CP ETF 922908751 491 3,190 SH   SOLE   0 0 3,190
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 715 7,037 SH   SOLE   0 0 7,037
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,109 77,279 SH   SOLE   0 0 77,279
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 2,904 20,713 SH   SOLE   0 0 20,713
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 4,782 45,692 SH   SOLE   0 0 45,692
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 733 17,846 SH   SOLE   0 0 17,846