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
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 13,232 180,097 SH   SOLE   0 0 180,097
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,937 167,381 SH   SOLE   0 0 167,381
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 8,331 301,620 SH   SOLE   0 0 301,620
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,252 157,830 SH   SOLE   0 0 157,830
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,483 225,166 SH   SOLE   0 0 225,166
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 4,772 49,393 SH   SOLE   0 0 49,393
SCHWAB STRATEGIC TR US REIT ETF 808524847 4,606 130,771 SH   SOLE   0 0 130,771
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 4,355 147,293 SH   SOLE   0 0 147,293
DBX ETF TR XTRACK USD HIGH 233051432 4,012 85,827 SH   SOLE   0 0 85,827
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,674 123,487 SH   SOLE   0 0 123,487
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 2,980 63,864 SH   SOLE   0 0 63,864
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853 2,857 107,513 SH   SOLE   0 0 107,513
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 2,789 23,568 SH   SOLE   0 0 23,568
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 2,637 45,670 SH   SOLE   0 0 45,670
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,316 14,797 SH   SOLE   0 0 14,797
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,499 16,969 SH   SOLE   0 0 16,969
SPDR SER TR PORTFOLI S&P1500 78464A805 1,401 37,076 SH   SOLE   0 0 37,076
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,364 25,914 SH   SOLE   0 0 25,914
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,360 22,656 SH   SOLE   0 0 22,656
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 937 12,051 SH   SOLE   0 0 12,051
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 784 9,987 SH   SOLE   0 0 9,987
ISHARES INC JP MORGAN EM ETF 464286517 769 18,845 SH   SOLE   0 0 18,845
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 434 11,192 SH   SOLE   0 0 11,192
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 395 6,671 SH   SOLE   0 0 6,671
ISHARES TR CORE S&P SCP ETF 464287804 390 5,718 SH   SOLE   0 0 5,718
ISHARES TR CORE S&P500 ETF 464287200 361 1,165 SH   SOLE   0 0 1,165
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 328 5,834 SH   SOLE   0 0 5,834
ISHARES TR NATIONAL MUN ETF 464288414 292 2,532 SH   SOLE   0 0 2,532
ISHARES TR SHRT NAT MUN ETF 464288158 274 2,543 SH   SOLE   0 0 2,543