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
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 5,941 115,061 SH   SOLE   0 0 115,061
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 2,088 24,525 SH   SOLE   0 0 24,525
SPDR SER TR NUVEEN BLMBRG SR 78468R739 4,580 91,815 SH   SOLE   0 0 91,815
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,252 24,990 SH   SOLE   0 0 24,990
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,994 113,841 SH   SOLE   0 0 113,841
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,639 8,211 SH   SOLE   0 0 8,211
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 3,650 153,628 SH   SOLE   0 0 153,628
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 3,632 61,701 SH   SOLE   0 0 61,701
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,051 166,426 SH   SOLE   0 0 166,426
ISHARES TR S&P MC 400GR ETF 464287606 246 1,100 SH   SOLE   0 0 1,100
SPDR SER TR BLOMBERG BRC INT 78464A334 5,312 174,056 SH   SOLE   0 0 174,056
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 3,226 78,897 SH   SOLE   0 0 78,897
SPDR SER TR BLOMBERG BRC INV 78468R200 2,846 93,523 SH   SOLE   0 0 93,523
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 5,188 175,471 SH   SOLE   0 0 175,471
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 525 4,359 SH   SOLE   0 0 4,359
VANGUARD INDEX FDS SMALL CP ETF 922908751 324 2,225 SH   SOLE   0 0 2,225
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,036 169,298 SH   SOLE   0 0 169,298
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,415 31,950 SH   SOLE   0 0 31,950
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,808 47,370 SH   SOLE   0 0 47,370
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 3,734 39,012 SH   SOLE   0 0 39,012
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 3,828 37,216 SH   SOLE   0 0 37,216
ISHARES TR SHRT NAT MUN ETF 464288158 4,134 38,340 SH   SOLE   0 0 38,340
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 431 11,101 SH   SOLE   0 0 11,101
ISHARES TR EAFE VALUE ETF 464288877 3,326 83,086 SH   SOLE   0 0 83,086
VANGUARD INDEX FDS VALUE ETF 922908744 2,902 29,143 SH   SOLE   0 0 29,143
ISHARES TR CORE S&P MCP ETF 464287507 8,866 49,869 SH   SOLE   0 0 49,869
INVESCO QQQ TR UNIT SER 1 46090E103 462 1,867 SH   SOLE   0 0 1,867
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 3,384 122,827 SH   SOLE   0 0 122,827
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 1,136 6,085 SH   SOLE   0 0 6,085
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,190 48,842 SH   SOLE   0 0 48,842
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869 2,276 16,353 SH   SOLE   0 0 16,353
ISHARES TR EAFE GRWTH ETF 464288885 472 5,674 SH   SOLE   0 0 5,674
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 11,308 152,586 SH   SOLE   0 0 152,586
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 393 3,764 SH   SOLE   0 0 3,764
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,725 77,376 SH   SOLE   0 0 77,376
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 1,828 57,593 SH   SOLE   0 0 57,593
ISHARES TR CORE S&P SCP ETF 464287804 3,448 50,491 SH   SOLE   0 0 50,491
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 2,122 90,648 SH   SOLE   0 0 90,648
ISHARES TR CORE S&P500 ETF 464287200 6,777 21,881 SH   SOLE   0 0 21,881
SPDR SER TR BLOMBRG BRC INTL 78464A151 5,448 162,119 SH   SOLE   0 0 162,119
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 2,705 17,959 SH   SOLE   0 0 17,959
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,299 7,865 SH   SOLE   0 0 7,865
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,235 56,392 SH   SOLE   0 0 56,392