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
ARCH CAP GROUP LTD ORD G0450A105 218 5,085 SH   SOLE   0 0 5,085
ALPHABET INC CAP STK CL C 02079K107 273 204 SH   SOLE   0 0 204
AMAZON COM INC COM 023135106 238 129 SH   SOLE   0 0 129
APPLE INC COM 037833100 1,177 4,008 SH   SOLE   0 0 4,008
BECTON DICKINSON & CO COM 075887109 606 2,230 SH   SOLE   0 0 2,230
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 437 1,931 SH   SOLE   0 0 1,931
CHEVRON CORP NEW COM 166764100 210 1,746 SH   SOLE   0 0 1,746
FACEBOOK INC CL A 30303M102 1,207 5,879 SH   SOLE   0 0 5,879
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 472 4,077 SH   SOLE   0 0 4,077
ISHARES INC MIN VOL EMRG MKT 464286533 280 4,777 SH   SOLE   0 0 4,777
ISHARES TR TIPS BD ETF 464287176 432 3,710 SH   SOLE   0 0 3,710
ISHARES TR CORE S&P500 ETF 464287200 1,547 4,785 SH   SOLE   0 0 4,785
ISHARES TR CORE S&P SCP ETF 464287804 4,456 53,142 SH   SOLE   0 0 53,142
ISHARES TR IBOXX HI YD ETF 464288513 240 2,725 SH   SOLE   0 0 2,725
ISHARES TR CORE HIGH DV ETF 46429B663 575 5,865 SH   SOLE   0 0 5,865
ISHARES TR MIN VOL EAFE ETF 46429B689 987 13,245 SH   SOLE   0 0 13,245
ISHARES TR MSCI MIN VOL ETF 46429B697 1,547 23,582 SH   SOLE   0 0 23,582
ISHARES TR CORE MSCI EAFE 46432F842 533 8,166 SH   SOLE   0 0 8,166
ISHARES INC CORE MSCI EMKT 46434G103 3,156 58,706 SH   SOLE   0 0 58,706
JPMORGAN CHASE & CO COM 46625H100 260 1,864 SH   SOLE   0 0 1,864
LILIS ENERGY INC COM NEW 532403201 4 10,000 SH   SOLE   0 0 10,000
MICROSOFT CORP COM 594918104 311 1,969 SH   SOLE   0 0 1,969
MOODYS CORP COM 615369105 328 1,380 SH   SOLE   0 0 1,380
NESCO HLDGS INC COM 64083J104 49 12,000 SH   SOLE   0 0 12,000
NESCO HLDGS INC *W EXP 01/01/202 64083J112 74 158,459 SH   SOLE   0 0 158,459
PNC FINL SVCS GROUP INC COM 693475105 522 3,272 SH   SOLE   0 0 3,272
PEPSICO INC COM 713448108 620 4,534 SH   SOLE   0 0 4,534
PROCTER & GAMBLE CO COM 742718109 240 1,921 SH   SOLE   0 0 1,921
SPDR S&P 500 ETF TR TR UNIT 78462F103 325 1,011 SH   SOLE   0 0 1,011
SPDR SERIES TRUST NUVEEN BBG BRCLY 78464A284 275 4,660 SH   SOLE   0 0 4,660
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468R739 420 8,560 SH   SOLE   0 0 8,560
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 11,844 154,199 SH   SOLE   0 0 154,199
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 390 4,198 SH   SOLE   0 0 4,198
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,865 31,022 SH   SOLE   0 0 31,022
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,655 110,645 SH   SOLE   0 0 110,645
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,021 132,487 SH   SOLE   0 0 132,487
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 327 11,945 SH   SOLE   0 0 11,945
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 6,273 186,537 SH   SOLE   0 0 186,537
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 287 5,365 SH   SOLE   0 0 5,365
SCHWAB STRATEGIC TR US REIT ETF 808524847 910 19,805 SH   SOLE   0 0 19,805
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 4,407 87,297 SH   SOLE   0 0 87,297
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,662 76,817 SH   SOLE   0 0 76,817
VANGUARD WORLD FD MEGA GRWTH IND 921910816 5,980 41,052 SH   SOLE   0 0 41,052
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 5,713 65,532 SH   SOLE   0 0 65,532
VANGUARD WORLD FD MEGA CAP INDEX 921910873 3,299 29,530 SH   SOLE   0 0 29,530
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,055 46,634 SH   SOLE   0 0 46,634
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 891 8,021 SH   SOLE   0 0 8,021
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 10,785 200,655 SH   SOLE   0 0 200,655
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,836 41,289 SH   SOLE   0 0 41,289
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,290 40,598 SH   SOLE   0 0 40,598
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 309 5,769 SH   SOLE   0 0 5,769
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,457 4,926 SH   SOLE   0 0 4,926
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 3,841 32,222 SH   SOLE   0 0 32,222
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,457 9,175 SH   SOLE   0 0 9,175
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,852 19,958 SH   SOLE   0 0 19,958
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,831 14,248 SH   SOLE   0 0 14,248
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,131 15,545 SH   SOLE   0 0 15,545
VANGUARD INDEX FDS MID CAP ETF 922908629 2,756 15,467 SH   SOLE   0 0 15,467
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,740 18,535 SH   SOLE   0 0 18,535
VANGUARD INDEX FDS GROWTH ETF 922908736 6,907 37,916 SH   SOLE   0 0 37,916
VANGUARD INDEX FDS VALUE ETF 922908744 4,744 39,586 SH   SOLE   0 0 39,586
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,824 23,085 SH   SOLE   0 0 23,085
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,113 6,800 SH   SOLE   0 0 6,800
VERIZON COMMUNICATIONS INC COM 92343V104 259 4,216 SH   SOLE   0 0 4,216
YUM BRANDS INC COM 988498101 335 3,330 SH   SOLE   0 0 3,330