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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   601,717 24,430 SH   SOLE   24,430 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,892,633 137,241 SH   SOLE   137,241 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   724,936 21,467 SH   SOLE   21,467 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   3,965,176 85,901 SH   SOLE   85,901 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   21,169,641 282,450 SH   SOLE   282,450 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   17,458,082 260,219 SH   SOLE   260,219 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   3,732,881 191,136 SH   SOLE   191,136 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   6,337,318 144,688 SH   SOLE   144,688 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   10,199,286 194,531 SH   SOLE   194,531 0 0
ISHARES TR BROAD USD HIGH 46435U853   1,609,382 45,592 SH   SOLE   45,592 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   23,315,241 445,202 SH   SOLE   445,202 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   15,150,731 328,080 SH   SOLE   328,080 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,780,366 68,347 SH   SOLE   68,347 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   9,406,072 125,031 SH   SOLE   125,031 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   4,567,853 60,970 SH   SOLE   60,970 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   7,592,133 100,465 SH   SOLE   100,465 0 0
APPLE INC COM 037833100   2,938,904 15,151 SH   SOLE   15,151 0 0
DBX ETF TR XTRACK USD HIGH 233051432   1,775,002 51,449 SH   SOLE   51,449 0 0
ISHARES TR PFD AND INCM SEC 464288687   381,984 12,350 SH   SOLE   12,350 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   600,367 11,034 SH   SOLE   11,034 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   720,718 9,915 SH   SOLE   9,915 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   518,472 2,354 SH   SOLE   2,354 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   379,160 4,120 SH   SOLE   4,120 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   333,816 3,995 SH   SOLE   3,995 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,429,469 30,145 SH   SOLE   30,145 0 0
COSTCO WHSL CORP NEW COM 22160K105   466,576 867 SH   SOLE   867 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   212,287 4,234 SH   SOLE   4,234 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   651,137 3,212 SH   SOLE   3,212 0 0
HOME DEPOT INC COM 437076102   4,738,073 15,253 SH   SOLE   15,253 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   652,027 3,278 SH   SOLE   3,278 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   139,459 12,266 SH   SOLE   12,266 0 0
REALTY INCOME CORP COM 756109104   328,853 5,500 SH   SOLE   5,500 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   279,009 629 SH   SOLE   629 0 0
AMAZON COM INC COM 023135106   323,293 2,480 SH   SOLE   2,480 0 0
WALMART INC COM 931142103   225,582 1,435 SH   SOLE   1,435 0 0
ISHARES TR CORE US AGGBD ET 464287226   580,941 5,931 SH   SOLE   5,931 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   502,062 3,533 SH   SOLE   3,533 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   910,284 3,217 SH   SOLE   3,217 0 0
MICROSOFT CORP COM 594918104   430,092 1,263 SH   SOLE   1,263 0 0
ISHARES TR IBOXX HI YD ETF 464288513   385,544 5,136 SH   SOLE   5,136 0 0
LOCKHEED MARTIN CORP COM 539830109   1,267,766 2,754 SH   SOLE   2,754 0 0
LIFEVANTAGE CORP COM NEW 53222K205   63,393 14,573 SH   SOLE   14,573 0 0
EATON CORP PLC SHS G29183103   262,436 1,305 SH   SOLE   1,305 0 0
POLYMET MNG CORP COM NEW 731916409   13,035 16,500 SH   SOLE   16,500 0 0
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107   89,141 11,443 SH   SOLE   11,443 0 0