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 893 8,202 SH   SOLE   0 0 8,202
ABIOMED INC COM 003654100 277 1,000 SH   SOLE   0 0 1,000
AMERICAN ELEC PWR CO INC COM 025537101 314 3,844 SH   SOLE   0 0 3,844
INTERNATIONAL BUSINESS MACHS COM 459200101 227 1,861 SH   SOLE   0 0 1,861
INVESCO QQQ TR UNIT SER 1 46090E103 404 1,453 SH   SOLE   0 0 1,453
ISHARES TR EAFE VALUE ETF 464288877 3,608 89,394 SH   SOLE   0 0 89,394
ISHARES TR S&P SML 600 GWT 464287887 264 1,500 SH   SOLE   0 0 1,500
ISHARES TR EAFE GRWTH ETF 464288885 940 10,444 SH   SOLE   0 0 10,444
ISHARES TR S&P MC 400GR ETF 464287606 466 1,940 SH   SOLE   0 0 1,940
ISHARES TR CORE S&P SCP ETF 464287804 4,750 67,680 SH   SOLE   0 0 67,680
ISHARES TR CORE S&P MCP ETF 464287507 11,730 63,318 SH   SOLE   0 0 63,318
ISHARES TR SP SMCP600VL ETF 464287879 290 2,370 SH   SOLE   0 0 2,370
ISHARES TR S&P MC 400VL ETF 464287705 262 1,940 SH   SOLE   0 0 1,940
ISHARES TR CORE S&P500 ETF 464287200 10,782 32,096 SH   SOLE   0 0 32,096
ISHARES TR SHRT NAT MUN ETF 464288158 7,786 72,022 SH   SOLE   0 0 72,022
PROCTER AND GAMBLE CO COM 742718109 496 3,572 SH   SOLE   0 0 3,572
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 20,062 248,754 SH   SOLE   0 0 248,754
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,502 48,028 SH   SOLE   0 0 48,028
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 12,580 226,700 SH   SOLE   0 0 226,700
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 7,302 273,012 SH   SOLE   0 0 273,012
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 4,378 74,542 SH   SOLE   0 0 74,542
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 2,168 91,242 SH   SOLE   0 0 91,242
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6,164 90,280 SH   SOLE   0 0 90,280
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 4,282 174,172 SH   SOLE   0 0 174,172
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,638 243,300 SH   SOLE   0 0 243,300
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 4,558 152,548 SH   SOLE   0 0 152,548
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 2,548 77,210 SH   SOLE   0 0 77,210
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 242 6,236 SH   SOLE   0 0 6,236
SCHWAB STRATEGIC TR US REIT ETF 808524847 3,244 91,928 SH   SOLE   0 0 91,928
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 7,706 149,680 SH   SOLE   0 0 149,680
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 7,690 236,214 SH   SOLE   0 0 236,214
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 412 7,464 SH   SOLE   0 0 7,464
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 10,226 88,794 SH   SOLE   0 0 88,794
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 390 16,214 SH   SOLE   0 0 16,214
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 4,016 90,714 SH   SOLE   0 0 90,714
SPDR SER TR BLOMBERG BRC INT 78464A334 7,286 232,272 SH   SOLE   0 0 232,272
SPDR SER TR BLOMBERG BRC INV 78468R200 3,850 126,076 SH   SOLE   0 0 126,076
SPDR SER TR BLOMBERG INTL TR 78464A516 270 9,100 SH   SOLE   0 0 9,100
SPDR SER TR NUVEEN BLMBRG SR 78468R739 10,374 208,038 SH   SOLE   0 0 208,038
SPDR SER TR BLOMBRG BRC INTL 78464A151 7,314 205,136 SH   SOLE   0 0 205,136
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 1,092 8,718 SH   SOLE   0 0 8,718
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 7,320 69,848 SH   SOLE   0 0 69,848
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869 4,868 32,706 SH   SOLE   0 0 32,706
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 822 7,562 SH   SOLE   0 0 7,562
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 2,488 11,928 SH   SOLE   0 0 11,928
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,936 44,684 SH   SOLE   0 0 44,684
VANGUARD INDEX FDS SML CP GRW ETF 922908595 3,504 16,292 SH   SOLE   0 0 16,292
VANGUARD INDEX FDS SMALL CP ETF 922908751 684 4,438 SH   SOLE   0 0 4,438
VANGUARD INDEX FDS VALUE ETF 922908744 3,846 36,752 SH   SOLE   0 0 36,752
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,395 7,739 SH   SOLE   0 0 7,739
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,951 29,070 SH   SOLE   0 0 29,070
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,540 104,978 SH   SOLE   0 0 104,978
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 3,656 41,952 SH   SOLE   0 0 41,952
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 5,530 34,258 SH   SOLE   0 0 34,258
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 856 20,874 SH   SOLE   0 0 20,874