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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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 712 8,202 SH   SOLE   0 0 8,202
AMERICAN ELEC PWR CO INC COM 025537101 363 3,844 SH   SOLE   0 0 3,844
INTERNATIONAL BUSINESS MACHS COM 459200101 250 1,861 SH   SOLE   0 0 1,861
ISHARES TR CORE S&P MCP ETF 464287507 25,548 124,135 SH   SOLE   0 0 124,135
ISHARES TR CORE S&P SCP ETF 464287804 11,406 136,032 SH   SOLE   0 0 136,032
ISHARES TR CORE S&P500 ETF 464287200 16,610 51,388 SH   SOLE   0 0 51,388
ISHARES TR EAFE GRWTH ETF 464288885 596 6,906 SH   SOLE   0 0 6,906
ISHARES TR EAFE VALUE ETF 464288877 11,680 233,765 SH   SOLE   0 0 233,765
ISHARES TR S&P MC 400GR ETF 464287606 292 1,229 SH   SOLE   0 0 1,229
ISHARES TR S&P SML 600 GWT 464287887 204 1,056 SH   SOLE   0 0 1,056
ISHARES TR SHRT NAT MUN ETF 464288158 3,585 33,580 SH   SOLE   0 0 33,580
MICROSOFT CORP COM 594918104 217 1,370 SH   SOLE   0 0 1,370
PROCTER & GAMBLE CO COM 742718109 446 3,572 SH   SOLE   0 0 3,572
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 8,923 325,940 SH   SOLE   0 0 325,940
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 13,238 393,465 SH   SOLE   0 0 393,465
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 14,323 413,589 SH   SOLE   0 0 413,589
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 12,396 225,573 SH   SOLE   0 0 225,573
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 6,637 164,876 SH   SOLE   0 0 164,876
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 8,197 274,801 SH   SOLE   0 0 274,801
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 12,789 442,178 SH   SOLE   0 0 442,178
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 11,587 348,681 SH   SOLE   0 0 348,681
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 15,929 315,463 SH   SOLE   0 0 315,463
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 259 4,480 SH   SOLE   0 0 4,480
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,526 48,699 SH   SOLE   0 0 48,699
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,770 29,384 SH   SOLE   0 0 29,384
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 20,200 262,976 SH   SOLE   0 0 262,976
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 7,853 130,572 SH   SOLE   0 0 130,572
SCHWAB STRATEGIC TR US REIT ETF 808524847 10,885 236,899 SH   SOLE   0 0 236,899
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,234 56,014 SH   SOLE   0 0 56,014
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 437 16,968 SH   SOLE   0 0 16,968
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,906 60,749 SH   SOLE   0 0 60,749
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 9,720 210,983 SH   SOLE   0 0 210,983
SPDR SERIES TRUST BLOMBERG BRC INT 78464A334 15,627 506,087 SH   SOLE   0 0 506,087
SPDR SERIES TRUST BLOMBERG BRC INV 78468R200 7,567 246,341 SH   SOLE   0 0 246,341
SPDR SERIES TRUST BLOMBRG BRC INTL 78464A151 16,140 472,239 SH   SOLE   0 0 472,239
TRAVELERS COMPANIES INC COM 89417E109 219 1,600 SH   SOLE   0 0 1,600
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 1,061 6,085 SH   SOLE   0 0 6,085
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 472 3,756 SH   SOLE   0 0 3,756
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869 3,367 22,933 SH   SOLE   0 0 22,933
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 670 4,815 SH   SOLE   0 0 4,815
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 5,924 45,541 SH   SOLE   0 0 45,541
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,413 8,887 SH   SOLE   0 0 8,887
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 11,633 97,603 SH   SOLE   0 0 97,603
VANGUARD INDEX FDS SM CP VAL ETF 922908611 12,761 93,107 SH   SOLE   0 0 93,107
VANGUARD INDEX FDS SMALL CP ETF 922908751 528 3,190 SH   SOLE   0 0 3,190
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,986 9,989 SH   SOLE   0 0 9,989
VANGUARD INDEX FDS VALUE ETF 922908744 11,397 95,010 SH   SOLE   0 0 95,010
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,440 77,360 SH   SOLE   0 0 77,360
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 782 7,037 SH   SOLE   0 0 7,037
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 3,195 20,498 SH   SOLE   0 0 20,498
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 5,125 45,723 SH   SOLE   0 0 45,723
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 788 17,859 SH   SOLE   0 0 17,859