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 824 14,899 SH   SOLE   14,899 0 0
ABBVIE INC COM 00287Y109 867 5,663 SH   SOLE   5,663 0 0
AIR PRODS & CHEMS INC COM 009158106 745 3,097 SH   SOLE   3,097 0 0
ALLSTATE CORP COM 020002101 802 6,329 SH   SOLE   6,329 0 0
APPLE INC COM 037833100 837 6,124 SH   SOLE   6,124 0 0
BLACKROCK INC COM 09247X101 627 1,029 SH   SOLE   1,029 0 0
BROADCOM INC COM 11135F101 881 1,814 SH   SOLE   1,814 0 0
CHEVRON CORP NEW COM 166764100 430 2,970 SH   SOLE   2,970 0 0
COSTCO WHSL CORP NEW COM 22160K105 908 1,894 SH   SOLE   1,894 0 0
CUMMINS INC COM 231021106 499 2,579 SH   SOLE   2,579 0 0
EXXON MOBIL CORP COM 30231G102 491 5,736 SH   SOLE   5,736 0 0
HOME DEPOT INC COM 437076102 686 2,502 SH   SOLE   2,502 0 0
POWERSHARES DB MULTI-SECTOR BASE METALS FD 46140H700 2,055 105,815 SH   SOLE   105,815 0 0
ISHARES TR CORE US AGGBD ET 464287226 21,704 213,457 SH   SOLE   213,457 0 0
ISHARES TR 20 YR TR BD ETF 464287432 3,126 27,210 SH   SOLE   27,210 0 0
ISHARES TR MRNGSTR LG-CP VL 464288109 47,827 791,963 SH   SOLE   791,963 0 0
ISHARES TR GL TIMB FORE ETF 464288174 180 2,420 SH   SOLE   2,420 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 8,460 150,133 SH   SOLE   150,133 0 0
ISHARES TR MRGSTR MD CP GRW 464288307 8,481 163,285 SH   SOLE   163,285 0 0
ISHARES TR MRGSTR MD CP VAL 464288406 12,701 213,958 SH   SOLE   213,958 0 0
ISHARES TR MRGSTR SM CP GR 464288604 5,054 143,099 SH   SOLE   143,099 0 0
ISHARES TR MRNING SM CP ETF 464288703 9,230 183,470 SH   SOLE   183,470 0 0
JPMORGAN CHASE & CO COM 46625H100 474 4,212 SH   SOLE   4,212 0 0
JOHNSON & JOHNSON COM 478160104 785 4,422 SH   SOLE   4,422 0 0
LOCKHEED MARTIN CORP COM 539830109 562 1,308 SH   SOLE   1,308 0 0
MERCK & CO INC COM 58933Y105 874 9,589 SH   SOLE   9,589 0 0
MICROSOFT CORP COM 594918104 711 2,768 SH   SOLE   2,768 0 0
NEXTERA ENERGY INC COM 65339F101 886 11,437 SH   SOLE   11,437 0 0
NORTHROP GRUMMAN CORP COM 666807102 648 1,354 SH   SOLE   1,354 0 0
PAYCHEX INC COM 704326107 821 7,214 SH   SOLE   7,214 0 0
PFIZER INC COM 717081103 695 13,258 SH   SOLE   13,258 0 0
PRICE T ROWE GROUP INC COM 74144T108 471 4,144 SH   SOLE   4,144 0 0
PROCTER AND GAMBLE CO COM 742718109 742 5,157 SH   SOLE   5,157 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 562 5,846 SH   SOLE   5,846 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 24,487 548,307 SH   SOLE   548,307 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 7,060 181,062 SH   SOLE   181,062 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 59,076 1,878,398 SH   SOLE   1,878,398 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 40,632 1,926,600 SH   SOLE   1,926,600 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 30,718 550,497 SH   SOLE   550,497 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1,879 25,524 SH   SOLE   25,524 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 3,965 55,449 SH   SOLE   55,449 0 0
SOUTHERN CO COM 842587107 309 4,336 SH   SOLE   4,336 0 0
TEXAS INSTRS INC COM 882508104 539 3,508 SH   SOLE   3,508 0 0
UNION PAC CORP COM 907818108 685 3,212 SH   SOLE   3,212 0 0
VALERO ENERGY CORP COM 91913Y100 655 6,160 SH   SOLE   6,160 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 388 7,739 SH   SOLE   7,739 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 27,404 657,967 SH   SOLE   657,967 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 410 2,692 SH   SOLE   2,692 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 20,168 264,460 SH   SOLE   264,460 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 6,495 81,169 SH   SOLE   81,169 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 189 1,003 SH   SOLE   1,003 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 756 2,724 SH   SOLE   2,724 0 0
MEDTRONIC PLC SHS G5960L103 668 7,445 SH   SOLE   7,445 0 0