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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 350 2,142 SH   SOLE   0 0 2,142
APPLE INC COM 037833100 524 2,062 SH   SOLE   0 0 2,062
INVESCO ACTIVELY MANAGED ETF ACTIVE US REAL 46090A101 203 2,828 SH   SOLE   0 0 2,828
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 7,232 344,871 SH   SOLE   0 0 344,871
INVESCO EXCHANGE TRADED FD T S&P500 BUY WRT 46137V399 1,153 68,926 SH   SOLE   0 0 68,926
INVESCO EXCHANGE-TRADED FD T FNDMNTL HY CRP 46138E719 2,608 157,306 SH   SOLE   0 0 157,306
INVESCO EXCHANGE-TRADED FD T EMRNG MKT SVRG 46138E784 2,635 110,206 SH   SOLE   0 0 110,206
INVESCO QQQ TR UNIT SER 1 46090E103 1,736 9,118 SH   SOLE   0 0 9,118
ISHARES INC EM MKT SM-CP ETF 464286475 1,005 31,342 SH   SOLE   0 0 31,342
ISHARES INC CORE MSCI EMKT 46434G103 2,034 50,259 SH   SOLE   0 0 50,259
ISHARES TR SELECT DIVID ETF 464287168 4,519 61,453 SH   SOLE   0 0 61,453
ISHARES TR CORE S&P500 ETF 464287200 3,301 12,777 SH   SOLE   0 0 12,777
ISHARES TR CORE US AGGBD ET 464287226 3,776 32,733 SH   SOLE   0 0 32,733
ISHARES TR IBOXX INV CP ETF 464287242 3,111 25,190 SH   SOLE   0 0 25,190
ISHARES TR CORE S&P MCP ETF 464287507 2,779 19,315 SH   SOLE   0 0 19,315
ISHARES TR RUS 1000 ETF 464287622 6,155 43,486 SH   SOLE   0 0 43,486
ISHARES TR CORE S&P US GWT 464287671 724 12,685 SH   SOLE   0 0 12,685
ISHARES TR S&P MC 400VL ETF 464287705 2,235 20,366 SH   SOLE   0 0 20,366
ISHARES TR U.S. REAL ES ETF 464287739 4,522 64,996 SH   SOLE   0 0 64,996
ISHARES TR CORE S&P SCP ETF 464287804 3,827 68,205 SH   SOLE   0 0 68,205
ISHARES TR INTL TREA BD ETF 464288117 2,205 44,716 SH   SOLE   0 0 44,716
ISHARES TR SHRT NAT MUN ETF 464288158 1,675 15,754 SH   SOLE   0 0 15,754
ISHARES TR EAFE SML CP ETF 464288273 2,121 47,316 SH   SOLE   0 0 47,316
ISHARES TR JPMORGAN USD EMG 464288281 4,000 41,371 SH   SOLE   0 0 41,371
ISHARES TR CALIF MUN BD ETF 464288356 2,248 37,141 SH   SOLE   0 0 37,141
ISHARES TR IBOXX HI YD ETF 464288513 4,502 58,410 SH   SOLE   0 0 58,410
ISHARES TR PFD AND INCM SEC 464288687 227 7,141 SH   SOLE   0 0 7,141
ISHARES TR EAFE GRWTH ETF 464288885 2,033 28,590 SH   SOLE   0 0 28,590
ISHARES TR CORE MSCI EAFE 46432F842 2,212 44,334 SH   SOLE   0 0 44,334
J P MORGAN EXCHANGE-TRADED F DIV RTN EM EQT 46641Q308 210 5,297 SH   SOLE   0 0 5,297
JOHN HANCOCK ETF TRUST MULTI INTL ETF 47804J859 284 12,533 SH   SOLE   0 0 12,533
NETFLIX INC COM 64110L106 263 700 SH   SOLE   0 0 700
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,775 77,952 SH   SOLE   0 0 77,952
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 692 8,684 SH   SOLE   0 0 8,684
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 9,275 219,996 SH   SOLE   0 0 219,996
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,152 61,171 SH   SOLE   0 0 61,171
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,167 153,066 SH   SOLE   0 0 153,066
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 505 20,160 SH   SOLE   0 0 20,160
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,944 113,944 SH   SOLE   0 0 113,944
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 8,076 148,813 SH   SOLE   0 0 148,813
SCHWAB STRATEGIC TR US REIT ETF 808524847 6,536 199,630 SH   SOLE   0 0 199,630
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,742 71,407 SH   SOLE   0 0 71,407
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 956 28,870 SH   SOLE   0 0 28,870
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,251 8,732 SH   SOLE   0 0 8,732
SPDR SER TR BLOMBRG BRC INTL 78464A151 2,103 67,662 SH   SOLE   0 0 67,662
SPDR SER TR S&P 400 MDCP VAL 78464A839 2,091 59,300 SH   SOLE   0 0 59,300
SPDR SER TR PORTFOLIO S&P400 78464A847 432 17,056 SH   SOLE   0 0 17,056
SPDR SER TR NUVEEN BRC MUNIC 78468R721 291 5,817 SH   SOLE   0 0 5,817
SPDR SER TR NUVEEN BLMBRG SR 78468R739 362 7,411 SH   SOLE   0 0 7,411
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,150 73,731 SH   SOLE   0 0 73,731
VANGUARD INDEX FDS MID CAP ETF 922908629 301 2,287 SH   SOLE   0 0 2,287
VISA INC COM CL A 92826C839 545 3,382 SH   SOLE   0 0 3,382
WISDOMTREE TR US S CAP QTY DIV 97717X651 231 9,175 SH   SOLE   0 0 9,175