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
CAPITOL INVESTMEN 25 WTF *W EXP 01/01/202 G18920127 206 148,000 SH   SOLE   0 0 148,000
APPLE INC COM 037833100 726 3,668 SH   SOLE   0 0 3,668
BECTON DICKINSON&CO COM 075887109 562 2,230 SH   SOLE   0 0 2,230
BERKSHIRE HATHAWAY CL B NEW 084670702 377 1,768 SH   SOLE   0 0 1,768
INVESCO QQQ TRUST UNIT SER 1 46090E103 229 1,226 SH   SOLE   0 0 1,226
INVESCO S&P 500 EQUAL S&P500 EQL WGT 46137V357 431 4,000 SH   SOLE   0 0 4,000
ISHR EDG MSCI MIN VOL MIN VOL EMRG MKT 464286533 264 4,480 SH   SOLE   0 0 4,480
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 428 3,710 SH   SOLE   0 0 3,710
ISHARES CORE S&P 500 CORE S&P500 ETF 464287200 1,410 4,785 SH   SOLE   0 0 4,785
ISHARES CORE S&P SMALL CORE S&P SCP ETF 464287804 4,232 54,064 SH   SOLE   0 0 54,064
ISHARES IBOXX HIGH YIELD IBOXX HI YD ETF 464288513 255 2,919 SH   SOLE   0 0 2,919
ISHARES CORE HIGH CORE HIGH DV ETF 46429B663 554 5,865 SH   SOLE   0 0 5,865
ISHARE EDGE MSCI MIN VOL MIN VOL EAFE ETF 46429B689 909 12,520 SH   SOLE   0 0 12,520
ISHARES EDGE MSCI MIN MIN VOL USA ETF 46429B697 1,317 21,327 SH   SOLE   0 0 21,327
ISHARES CORE MSCI EAFE CORE MSCI EAFE 46432F842 433 7,060 SH   SOLE   0 0 7,060
ISHARES CORE MSCI CORE MSCI EMKT 46434G103 3,120 60,661 SH   SOLE   0 0 60,661
J P MORGAN CHASE & CO COM 46625H100 208 1,864 SH   SOLE   0 0 1,864
MICROSOFT CORP COM 594918104 264 1,969 SH   SOLE   0 0 1,969
MOODYS CORP COM 615369105 270 1,380 SH   SOLE   0 0 1,380
PNC FINL SERVICES COM 693475105 464 3,382 SH   SOLE   0 0 3,382
PEPSICO INC COM 713448108 595 4,534 SH   SOLE   0 0 4,534
SPDR S&P 500 ETF TR UNIT 78462F103 333 1,137 SH   SOLE   0 0 1,137
SPDR NUVEEN S&P HIGH NUV HGHYLD MUN 78464A284 272 4,660 SH   SOLE   0 0 4,660
SPDR NUVEEN BLOOMBERG NUVEEN BLMBRG SR 78468R739 634 12,960 SH   SOLE   0 0 12,960
SCHWAB US LARGE CAP ETF US LRG CAP ETF 808524201 9,764 139,111 SH   SOLE   0 0 139,111
SCHWAB US LARGE CAP US LCAP GR ETF 808524300 335 4,023 SH   SOLE   0 0 4,023
SCHWAB US LARGE CAP US LCAP VA ETF 808524409 1,674 29,812 SH   SOLE   0 0 29,812
CHARLES SCHWAB US MC US MID-CAP ETF 808524508 5,700 99,846 SH   SOLE   0 0 99,846
SCHWAB US SMALL CAP ETF US SML CAP ETF 808524607 8,399 117,502 SH   SOLE   0 0 117,502
SCHWAB EMERGING MARKETS EMRG MKTEQ ETF 808524706 313 11,945 SH   SOLE   0 0 11,945
SCHWAB INTERNATIONAL INTL EQTY ETF 808524805 4,899 152,650 SH   SOLE   0 0 152,650
SCHWAB US AGGREGATE BOND US AGGREGATE B 808524839 287 5,423 SH   SOLE   0 0 5,423
CHARLES SCHWAB US REIT US REIT ETF 808524847 876 19,703 SH   SOLE   0 0 19,703
SCHWAB SHORT TERM US SHT TM US TRES 808524862 2,231 44,103 SH   SOLE   0 0 44,103
SCHWAB INTERNATNAL SMALL INTL SCEQT ETF 808524888 2,435 74,611 SH   SOLE   0 0 74,611
VANGUARD MEGA CAP GROWTH MEGA GRWTH IND 921910816 4,239 32,736 SH   SOLE   0 0 32,736
VANGUARD MEGA CAP VALUE MEGA CAP VAL ETF 921910840 4,113 51,091 SH   SOLE   0 0 51,091
VANGUARD MEGA CAP ETF MEGA CAP INDEX 921910873 2,712 26,790 SH   SOLE   0 0 26,790
VANGUARD FTSE DEVELOPED FTSE DEV MKT ETF 921943858 2,561 61,391 SH   SOLE   0 0 61,391
VGRD FTSE ALL WRLD EX US FTSE SMCAP ETF 922042718 935 8,881 SH   SOLE   0 0 8,881
VANGUARD FTSE ALL WORLD ALLWRLD EX US 922042775 9,966 195,459 SH   SOLE   0 0 195,459
VANGUARD FTSE EMERGING FTSE EMR MKT ETF 922042858 1,750 41,137 SH   SOLE   0 0 41,137
VANGUARD SHORT TERM COR SHRT TRM CORP BD 92206C409 2,741 33,973 SH   SOLE   0 0 33,973
VANGUARD MUNI BND TAX TAX EXEMPT BD 922907746 304 5,725 SH   SOLE   0 0 5,725
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 1,229 4,568 SH   SOLE   0 0 4,568
VANGUARD MID CAP VALUE MCAP VL IDXVIP 922908512 3,418 30,699 SH   SOLE   0 0 30,699
VANGUARD MID CAP GROWTH MCAP GR IDXVIP 922908538 1,356 9,079 SH   SOLE   0 0 9,079
VANGUARD REAL ESTATE REAL ESTATE ETF 922908553 1,430 16,359 SH   SOLE   0 0 16,359
VANGUARD SMALL CAP SML CP GRW ETF 922908595 2,653 14,247 SH   SOLE   0 0 14,247
VANGUARD SMALL CAP VALUE SM CP VAL ETF 922908611 2,018 15,458 SH   SOLE   0 0 15,458
VANGUARD MID CAP ETF MID CAP ETF 922908629 2,617 15,657 SH   SOLE   0 0 15,657
VANGUARD LARGE CAP ETF LARGE CAP ETF 922908637 2,512 18,648 SH   SOLE   0 0 18,648
VANGUARD GROWTH ETF GROWTH ETF 922908736 6,224 38,096 SH   SOLE   0 0 38,096
VANGUARD VALUE ETF VALUE ETF 922908744 4,364 39,340 SH   SOLE   0 0 39,340
VANGUARD SMALL CAP ETF SMALL CP ETF 922908751 3,720 23,746 SH   SOLE   0 0 23,746
VANGUARD TOTAL STOCK TOTAL STK MKT 922908769 710 4,730 SH   SOLE   0 0 4,730
YUM BRANDS INC COM 988498101 368 3,330 SH   SOLE   0 0 3,330