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        <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>00206R102</cusip>
        <value>376</value>
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            <sshPrnamt>24483</sshPrnamt>
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            <None>24483</None>
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    <infoTable>
        <nameOfIssuer>ALPHABET INC</nameOfIssuer>
        <titleOfClass>CAP STK CL C</titleOfClass>
        <cusip>02079K107</cusip>
        <value>202</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2100</sshPrnamt>
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            <Sole>0</Sole>
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            <None>2100</None>
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    <infoTable>
        <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>023135106</cusip>
        <value>1398</value>
        <shrsOrPrnAmt>
            <sshPrnamt>12369</sshPrnamt>
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            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>12369</None>
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    <infoTable>
        <nameOfIssuer>APPLE INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>037833100</cusip>
        <value>2397</value>
        <shrsOrPrnAmt>
            <sshPrnamt>17343</sshPrnamt>
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            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>17343</None>
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    <infoTable>
        <nameOfIssuer>BERKSHIRE HATHAWAY INC</nameOfIssuer>
        <titleOfClass>DEL CL B NEW</titleOfClass>
        <cusip>084670702</cusip>
        <value>203</value>
        <shrsOrPrnAmt>
            <sshPrnamt>762</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
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            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>762</None>
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    <infoTable>
        <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>20825C104</cusip>
        <value>380</value>
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            <sshPrnamt>3709</sshPrnamt>
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            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>3709</None>
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    <infoTable>
        <nameOfIssuer>DANAHER CORPORATION</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>235851102</cusip>
        <value>2158</value>
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            <sshPrnamt>8354</sshPrnamt>
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            <None>8354</None>
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    <infoTable>
        <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD FIRST TR</nameOfIssuer>
        <titleOfClass>ENH NEW</titleOfClass>
        <cusip>33739Q408</cusip>
        <value>2730</value>
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            <sshPrnamt>46022</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
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            <None>46022</None>
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    <infoTable>
        <nameOfIssuer>FIRST TR</nameOfIssuer>
        <titleOfClass>EXCHANGE-TRADED FD CAP STRENGTH ETF</titleOfClass>
        <cusip>33733E104</cusip>
        <value>12668</value>
        <shrsOrPrnAmt>
            <sshPrnamt>190727</sshPrnamt>
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            <None>190727</None>
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        <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>34959J108</cusip>
        <value>237</value>
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            <sshPrnamt>4069</sshPrnamt>
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            <None>4069</None>
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        <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>37045V100</cusip>
        <value>377</value>
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            <sshPrnamt>11747</sshPrnamt>
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            <Shared>0</Shared>
            <None>11747</None>
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    <infoTable>
        <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>437076102</cusip>
        <value>225</value>
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            <sshPrnamt>816</sshPrnamt>
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            <None>816</None>
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        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>10-20 YR TRS ETF</titleOfClass>
        <cusip>464288653</cusip>
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            <None>61928</None>
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        <nameOfIssuer>ISHARES TR 20 YR TR</nameOfIssuer>
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        <cusip>464287432</cusip>
        <value>14931</value>
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        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>CONV BD ETF</titleOfClass>
        <cusip>46435G102</cusip>
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        <titleOfClass>CORE MSCI EAFE</titleOfClass>
        <cusip>46432F842</cusip>
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        <titleOfClass>SELECT DIVID ETF</titleOfClass>
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        <titleOfClass>MSCI USA MIN VOL</titleOfClass>
        <cusip>46429B697</cusip>
        <value>1726</value>
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        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>FALN ANGLS USD</titleOfClass>
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        <value>431</value>
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            <None>18051</None>
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        <titleOfClass>FLTG RATE NT ETF</titleOfClass>
        <cusip>46429B655</cusip>
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            <None>89593</None>
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        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>EAFE GRWTH ETF</titleOfClass>
        <cusip>464288885</cusip>
        <value>3496</value>
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            <None>48176</None>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>EAFE VALUE ETF</titleOfClass>
        <cusip>464288877</cusip>
        <value>12170</value>
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            <None>315869</None>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>CORE TOTAL USD</titleOfClass>
        <cusip>46434V613</cusip>
        <value>3669</value>
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        <votingAuthority>
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            <None>82446</None>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>TIPS BD ETF</titleOfClass>
        <cusip>464287176</cusip>
        <value>956</value>
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            <sshPrnamt>9110</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
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            <Shared>0</Shared>
            <None>9110</None>
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        <nameOfIssuer>ISHARES TR CORE</nameOfIssuer>
        <titleOfClass>S&amp;P SCP ETF</titleOfClass>
        <cusip>464287804</cusip>
        <value>3791</value>
        <shrsOrPrnAmt>
            <sshPrnamt>43484</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>43484</None>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>US INFRASTRUC</titleOfClass>
        <cusip>46435U713</cusip>
        <value>1416</value>
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        <votingAuthority>
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            <Shared>0</Shared>
            <None>43907</None>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>U.S. MED DVC ETF</titleOfClass>
        <cusip>464288810</cusip>
        <value>1383</value>
        <shrsOrPrnAmt>
            <sshPrnamt>29317</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
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            <None>29317</None>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>US TREAS BD ETF</titleOfClass>
        <cusip>46429B267</cusip>
        <value>2989</value>
        <shrsOrPrnAmt>
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            <None>131344</None>
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        <nameOfIssuer>ISHARES U S ETF TR</nameOfIssuer>
        <titleOfClass>GSCI CMDTY STGY</titleOfClass>
        <cusip>46431W853</cusip>
        <value>7941</value>
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            <None>222301</None>
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        <nameOfIssuer>ISHARES INC</nameOfIssuer>
        <titleOfClass>MSCI EMERG MRKT</titleOfClass>
        <cusip>464286533</cusip>
        <value>4356</value>
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            <None>85951</None>
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        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>MSCI INTL QUALTY</titleOfClass>
        <cusip>46434V456</cusip>
        <value>7233</value>
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            <None>260351</None>
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        <nameOfIssuer>J P MORGAN EXCHANGE TRADED F US QUALTY FCTR</nameOfIssuer>
        <titleOfClass>US QUALTY FCTR</titleOfClass>
        <cusip>46641Q761</cusip>
        <value>6165</value>
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            <sshPrnamt>175953</sshPrnamt>
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            <None>175953</None>
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        <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>539830109</cusip>
        <value>2525</value>
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            <Shared>0</Shared>
            <None>6537</None>
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        <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>594918104</cusip>
        <value>5012</value>
        <shrsOrPrnAmt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
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            <Shared>0</Shared>
            <None>21520</None>
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        <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
        <titleOfClass>ENHAN SHRT MA AC</titleOfClass>
        <cusip>72201R833</cusip>
        <value>1755</value>
        <shrsOrPrnAmt>
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            <None>17751</None>
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        <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
        <titleOfClass>S&amp;P EMRNG MKTS</titleOfClass>
        <cusip>46138E297</cusip>
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            <None>506891</None>
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    <infoTable>
        <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
        <titleOfClass>US MID-CAP ETF</titleOfClass>
        <cusip>808524508</cusip>
        <value>5778</value>
        <shrsOrPrnAmt>
            <sshPrnamt>95458</sshPrnamt>
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            <Shared>0</Shared>
            <None>95458</None>
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    <infoTable>
        <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
        <titleOfClass>US TIPS ETF</titleOfClass>
        <cusip>808524870</cusip>
        <value>26838</value>
        <shrsOrPrnAmt>
            <sshPrnamt>518117</sshPrnamt>
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            <Shared>0</Shared>
            <None>518117</None>
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    <infoTable>
        <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
        <titleOfClass>US SML CAP ETF</titleOfClass>
        <cusip>808524607</cusip>
        <value>6679</value>
        <shrsOrPrnAmt>
            <sshPrnamt>176702</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>176702</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
        <titleOfClass>US LRG CAP ETF</titleOfClass>
        <cusip>808524201</cusip>
        <value>51814</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1223463</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>1223463</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
        <titleOfClass>US LCAP VA ETF</titleOfClass>
        <cusip>808524409</cusip>
        <value>18707</value>
        <shrsOrPrnAmt>
            <sshPrnamt>319730</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>319730</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
        <titleOfClass>ENERGY</titleOfClass>
        <cusip>81369Y506</cusip>
        <value>5654</value>
        <shrsOrPrnAmt>
            <sshPrnamt>78501</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>78501</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
        <titleOfClass>FINANCIAL</titleOfClass>
        <cusip>81369Y605</cusip>
        <value>2061</value>
        <shrsOrPrnAmt>
            <sshPrnamt>67889</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>67889</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR SER TR PORTFOLIO</nameOfIssuer>
        <titleOfClass>S&amp;P400</titleOfClass>
        <cusip>78464A847</cusip>
        <value>2303</value>
        <shrsOrPrnAmt>
            <sshPrnamt>59713</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>59713</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR SER TR</nameOfIssuer>
        <titleOfClass>RUSSELL LOW VOL</titleOfClass>
        <cusip>78468R754</cusip>
        <value>11901</value>
        <shrsOrPrnAmt>
            <sshPrnamt>129459</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>129459</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR SER TR PORTFOLIO</nameOfIssuer>
        <titleOfClass>S&amp;P600</titleOfClass>
        <cusip>78468R853</cusip>
        <value>3594</value>
        <shrsOrPrnAmt>
            <sshPrnamt>105507</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>105507</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR GOLD TR GOLD</nameOfIssuer>
        <titleOfClass>SHS</titleOfClass>
        <cusip>78463V107</cusip>
        <value>3526</value>
        <shrsOrPrnAmt>
            <sshPrnamt>22796</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>22796</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TESLA INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>88160R101</cusip>
        <value>201</value>
        <shrsOrPrnAmt>
            <sshPrnamt>759</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>759</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>883556102</cusip>
        <value>834</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1645</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>1645</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TOMI ENVIRONMENTAL SOLUTIONS</nameOfIssuer>
        <titleOfClass>COM NEW</titleOfClass>
        <cusip>890023203</cusip>
        <value>67</value>
        <shrsOrPrnAmt>
            <sshPrnamt>93750</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>93750</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
        <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
        <cusip>921943858</cusip>
        <value>7140</value>
        <shrsOrPrnAmt>
            <sshPrnamt>196373</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>196373</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD INDEX FDS S&amp;P 500 ETF</nameOfIssuer>
        <titleOfClass>SHS</titleOfClass>
        <cusip>922908363</cusip>
        <value>5059</value>
        <shrsOrPrnAmt>
            <sshPrnamt>15409</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>15409</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
        <titleOfClass>TOTAL STK MKT</titleOfClass>
        <cusip>922908769</cusip>
        <value>15622</value>
        <shrsOrPrnAmt>
            <sshPrnamt>87043</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>87043</None>
        </votingAuthority>
    </infoTable>
</informationTable>
