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
AT&T INC COM 00206R102 425 11,219 SH   SOLE   0 0 11,219
APPLE INC COM 037833100 365 1,628 SH   SOLE   0 0 1,628
EXXON MOBIL CORP COM 30231G102 284 4,018 SH   SOLE   0 0 4,018
GLOBAL PMTS INC COM 37940X102 329 2,067 SH   SOLE   0 0 2,067
HOME DEPOT INC COM 437076102 361 1,556 SH   SOLE   0 0 1,556
ISHARES TR CORE S&P500 ETF 464287200 947 3,171 SH   SOLE   0 0 3,171
ISHARES TR CORE US AGGBD ET 464287226 16,427 145,152 SH   SOLE   0 0 145,152
ISHARES TR MSCI EAFE ETF 464287465 299 4,585 SH   SOLE   0 0 4,585
ISHARES TR CORE S&P SCP ETF 464287804 12,493 160,498 SH   SOLE   0 0 160,498
ISHARES TR IBOXX HI YD ETF 464288513 281 3,222 SH   SOLE   0 0 3,222
PIMCO ETF TR ACTIVE BD ETF 72201R775 15,787 144,969 SH   SOLE   0 0 144,969
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 933 13,144 SH   SOLE   0 0 13,144
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,737 30,624 SH   SOLE   0 0 30,624
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 9,060 160,233 SH   SOLE   0 0 160,233
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 615 8,818 SH   SOLE   0 0 8,818
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 653 25,976 SH   SOLE   0 0 25,976
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,731 68,115 SH   SOLE   0 0 68,115
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,268 71,195 SH   SOLE   0 0 71,195
SCHWAB STRATEGIC TR US REIT ETF 808524847 319 6,755 SH   SOLE   0 0 6,755
3M CO COM 88579Y101 281 1,708 SH   SOLE   0 0 1,708
VANGUARD STAR FD VG TL INTL STK F 921909768 16,519 319,756 SH   SOLE   0 0 319,756
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 705 17,168 SH   SOLE   0 0 17,168
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 19,465 396,836 SH   SOLE   0 0 396,836
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,551 38,081 SH   SOLE   0 0 38,081
VANGUARD INDEX FDS MID CAP ETF 922908629 1,330 7,936 SH   SOLE   0 0 7,936
VANGUARD INDEX FDS GROWTH ETF 922908736 362 2,176 SH   SOLE   0 0 2,176
VANGUARD INDEX FDS TOTAL STK MKT 922908769 11,025 73,016 SH   SOLE   0 0 73,016
VERIZON COMMUNICATIONS INC COM 92343V104 260 4,303 SH   SOLE   0 0 4,303
WISDOMTREE TR EMER MKT HIGH FD 97717W315 3,211 77,738 SH   SOLE   0 0 77,738
WISDOMTREE TR INTL SMCAP DIV 97717W760 2,358 37,128 SH   SOLE   0 0 37,128