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 464 1,453 SH   SOLE   0 0 1,453
ISHARES TR CORE S&P MCP ETF 464287507 2,201 8,454 SH   SOLE   0 0 8,454
ISHARES TR CORE S&P SCP ETF 464287804 395 3,638 SH   SOLE   0 0 3,638
ISHARES TR CORE S&P500 ETF 464287200 2,380 5,982 SH   SOLE   0 0 5,982
ISHARES TR EAFE GRWTH ETF 464288885 446 4,441 SH   SOLE   0 0 4,441
ISHARES TR S&P MC 400GR ETF 464287606 304 3,880 SH   SOLE   0 0 3,880
ISHARES TR SHRT NAT MUN ETF 464288158 4,207 39,015 SH   SOLE   0 0 39,015
ISHARES TR SP SMCP600VL ETF 464287879 239 2,370 SH   SOLE   0 0 2,370
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,697 84,856 SH   SOLE   0 0 84,856
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,990 52,905 SH   SOLE   0 0 52,905
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,083 52,851 SH   SOLE   0 0 52,851
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 410 7,270 SH   SOLE   0 0 7,270
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 384 7,582 SH   SOLE   0 0 7,582
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 223 6,949 SH   SOLE   0 0 6,949
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 849 22,656 SH   SOLE   0 0 22,656
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,299 25,317 SH   SOLE   0 0 25,317
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 272 3,732 SH   SOLE   0 0 3,732
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 5,748 44,289 SH   SOLE   0 0 44,289
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,536 23,527 SH   SOLE   0 0 23,527
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 8,648 90,060 SH   SOLE   0 0 90,060
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 8,320 111,781 SH   SOLE   0 0 111,781
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,601 46,167 SH   SOLE   0 0 46,167
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 220 7,608 SH   SOLE   0 0 7,608
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 357 6,447 SH   SOLE   0 0 6,447
SPDR SER TR BLOMBERG BRC INT 78464A334 976 30,995 SH   SOLE   0 0 30,995
SPDR SER TR BLOMBERG BRC INV 78468R200 556 18,146 SH   SOLE   0 0 18,146
SPDR SER TR BLOMBRG BRC INTL 78464A151 957 26,718 SH   SOLE   0 0 26,718
SPDR SER TR NUVEEN BLMBRG SR 78468R739 6,020 121,460 SH   SOLE   0 0 121,460
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 1,335 5,682 SH   SOLE   0 0 5,682
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 506 3,699 SH   SOLE   0 0 3,699
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869 3,103 15,959 SH   SOLE   0 0 15,959
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 822 4,657 SH   SOLE   0 0 4,657
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 5,325 34,078 SH   SOLE   0 0 34,078
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,597 7,445 SH   SOLE   0 0 7,445
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,842 13,657 SH   SOLE   0 0 13,657
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,495 9,028 SH   SOLE   0 0 9,028
VANGUARD INDEX FDS SMALL CP ETF 922908751 347 1,622 SH   SOLE   0 0 1,622
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,042 7,435 SH   SOLE   0 0 7,435
VANGUARD INDEX FDS VALUE ETF 922908744 706 5,370 SH   SOLE   0 0 5,370
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,760 53,033 SH   SOLE   0 0 53,033
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 3,368 15,394 SH   SOLE   0 0 15,394
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 3,003 21,479 SH   SOLE   0 0 21,479
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 510 10,387 SH   SOLE   0 0 10,387