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
AFLAC INC COM 001055102 337 5,228 SH   SOLE   5,228 0 0
ABBVIE INC COM 00287Y109 424 2,618 SH   SOLE   2,618 0 0
AIR PRODS & CHEMS INC COM 009158106 280 1,119 SH   SOLE   1,119 0 0
ALLSTATE CORP COM 020002101 194 1,400 SH   SOLE   1,400 0 0
APPLE INC COM 037833100 415 2,374 SH   SOLE   2,374 0 0
BLACKROCK INC COM 09247X101 280 367 SH   SOLE   367 0 0
BROADCOM INC COM 11135F101 460 730 SH   SOLE   730 0 0
CHEVRON CORP NEW COM 166764100 169 1,039 SH   SOLE   1,039 0 0
CISCO SYS INC COM 17275R102 267 4,795 SH   SOLE   4,795 0 0
COSTCO WHSL CORP NEW COM 22160K105 381 662 SH   SOLE   662 0 0
CUMMINS INC COM 231021106 185 902 SH   SOLE   902 0 0
EXXON MOBIL CORP COM 30231G102 160 1,934 SH   SOLE   1,934 0 0
HOME DEPOT INC COM 437076102 254 847 SH   SOLE   847 0 0
POWERSHARES DB MULTI-SECTOR BASE METALS FD 46140H700 2,398 92,793 SH   SOLE   92,793 0 0
ISHARES TR CORE US AGGBD ET 464287226 24,517 228,921 SH   SOLE   228,921 0 0
ISHARES TR MRNGSTR LG-CP VL 464288109 55,516 809,503 SH   SOLE   809,503 0 0
ISHARES TR GL TIMB FORE ETF 464288174 388 4,346 SH   SOLE   4,346 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 10,383 154,280 SH   SOLE   154,280 0 0
ISHARES TR MRGSTR MD CP GRW 464288307 10,809 168,150 SH   SOLE   168,150 0 0
ISHARES TR MRGSTR MD CP VAL 464288406 14,944 216,926 SH   SOLE   216,926 0 0
ISHARES TR MRGSTR SM CP GR 464288604 6,489 146,851 SH   SOLE   146,851 0 0
ISHARES TR MRNING SM CP ETF 464288703 10,965 186,577 SH   SOLE   186,577 0 0
JPMORGAN CHASE & CO COM 46625H100 198 1,452 SH   SOLE   1,452 0 0
JOHNSON & JOHNSON COM 478160104 276 1,557 SH   SOLE   1,557 0 0
LOCKHEED MARTIN CORP COM 539830109 204 463 SH   SOLE   463 0 0
MERCK & CO INC COM 58933Y105 322 3,924 SH   SOLE   3,924 0 0
MICROSOFT CORP COM 594918104 304 985 SH   SOLE   985 0 0
NEXTERA ENERGY INC COM 65339F101 334 3,945 SH   SOLE   3,945 0 0
NORTHROP GRUMMAN CORP COM 666807102 192 430 SH   SOLE   430 0 0
PAYCHEX INC COM 704326107 353 2,588 SH   SOLE   2,588 0 0
PFIZER INC COM 717081103 243 4,690 SH   SOLE   4,690 0 0
PRICE T ROWE GROUP INC COM 74144T108 214 1,414 SH   SOLE   1,414 0 0
PROCTER AND GAMBLE CO COM 742718109 105 687 SH   SOLE   687 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 203 2,051 SH   SOLE   2,051 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 319 1,765 SH   SOLE   1,765 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 30,361 563,814 SH   SOLE   563,814 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 8,803 185,865 SH   SOLE   185,865 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 70,729 1,926,169 SH   SOLE   1,926,169 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 50,075 2,011,870 SH   SOLE   2,011,870 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 31,642 521,203 SH   SOLE   521,203 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 2,272 25,771 SH   SOLE   25,771 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 4,429 57,941 SH   SOLE   57,941 0 0
TEXAS INSTRS INC COM 882508104 223 1,215 SH   SOLE   1,215 0 0
UNION PAC CORP COM 907818108 303 1,110 SH   SOLE   1,110 0 0
VALERO ENERGY CORP COM 91913Y100 225 2,213 SH   SOLE   2,213 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 393 7,665 SH   SOLE   7,665 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 31,166 675,617 SH   SOLE   675,617 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 424 2,621 SH   SOLE   2,621 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 22,036 282,189 SH   SOLE   282,189 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 7,431 86,371 SH   SOLE   86,371 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 328 973 SH   SOLE   973 0 0
MEDTRONIC PLC SHS G5960L103 242 2,178 SH   SOLE   2,178 0 0