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
INVESCO QQQ TR UNIT SER 1 46090E103 456 1,453 SH   SOLE   0 0 1,453
ISHARES TR CORE S&P MCP ETF 464287507 3,554 15,462 SH   SOLE   0 0 15,462
ISHARES TR CORE S&P SCP ETF 464287804 1,171 12,747 SH   SOLE   0 0 12,747
ISHARES TR CORE S&P500 ETF 464287200 3,688 9,825 SH   SOLE   0 0 9,825
ISHARES TR EAFE GRWTH ETF 464288885 527 5,222 SH   SOLE   0 0 5,222
ISHARES TR EAFE VALUE ETF 464288877 694 14,704 SH   SOLE   0 0 14,704
ISHARES TR S&P MC 400GR ETF 464287606 280 3,880 SH   SOLE   0 0 3,880
ISHARES TR SHRT NAT MUN ETF 464288158 3,974 36,761 SH   SOLE   0 0 36,761
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,067 100,049 SH   SOLE   0 0 100,049
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,894 80,355 SH   SOLE   0 0 80,355
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,927 77,732 SH   SOLE   0 0 77,732
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 845 14,510 SH   SOLE   0 0 14,510
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 688 16,029 SH   SOLE   0 0 16,029
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 385 13,606 SH   SOLE   0 0 13,606
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1,203 41,073 SH   SOLE   0 0 41,073
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 1,229 35,347 SH   SOLE   0 0 35,347
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,709 33,249 SH   SOLE   0 0 33,249
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 239 3,732 SH   SOLE   0 0 3,732
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 5,701 44,398 SH   SOLE   0 0 44,398
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,412 23,726 SH   SOLE   0 0 23,726
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 8,648 95,085 SH   SOLE   0 0 95,085
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 7,717 113,183 SH   SOLE   0 0 113,183
SCHWAB STRATEGIC TR US REIT ETF 808524847 476 12,547 SH   SOLE   0 0 12,547
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 210 7,608 SH   SOLE   0 0 7,608
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 1,002 19,400 SH   SOLE   0 0 19,400
SPDR SER TR BLOMBERG BRC INT 78464A334 1,603 48,846 SH   SOLE   0 0 48,846
SPDR SER TR BLOMBERG BRC INV 78468R200 766 25,024 SH   SOLE   0 0 25,024
SPDR SER TR BLOMBRG BRC INTL 78464A151 1,512 39,901 SH   SOLE   0 0 39,901
SPDR SER TR NUVEEN BLMBRG SR 78468R739 5,143 103,302 SH   SOLE   0 0 103,302
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 1,372 5,964 SH   SOLE   0 0 5,964
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 458 3,699 SH   SOLE   0 0 3,699
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869 2,876 16,087 SH   SOLE   0 0 16,087
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 668 4,292 SH   SOLE   0 0 4,292
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 4,531 34,411 SH   SOLE   0 0 34,411
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,590 7,497 SH   SOLE   0 0 7,497
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,253 18,942 SH   SOLE   0 0 18,942
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,681 11,819 SH   SOLE   0 0 11,819
VANGUARD INDEX FDS SMALL CP ETF 922908751 316 1,622 SH   SOLE   0 0 1,622
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,178 8,136 SH   SOLE   0 0 8,136
VANGUARD INDEX FDS VALUE ETF 922908744 1,092 9,175 SH   SOLE   0 0 9,175
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,630 52,479 SH   SOLE   0 0 52,479
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 3,271 15,682 SH   SOLE   0 0 15,682
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 2,424 20,985 SH   SOLE   0 0 20,985
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 490 10,387 SH   SOLE   0 0 10,387