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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   19,660,789 848,179 SH   SOLE   0 0 848,179
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   18,042,476 697,698 SH   SOLE   0 0 697,698
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   11,858,314 427,943 SH   SOLE   0 0 427,943
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   10,074,057 544,544 SH   SOLE   0 0 544,544
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   9,677,988 281,911 SH   SOLE   0 0 281,911
TCW ETF TRUST FLEXIBLE INCOME 29287L700   8,233,966 212,874 SH   SOLE   0 0 212,874
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   7,222,330 327,246 SH   SOLE   0 0 327,246
SPDR SER TR PORTFOLIO LN COR 78464A367   6,884,522 309,695 SH   SOLE   0 0 309,695
SCHWAB STRATEGIC TR US REIT ETF 808524847   5,150,200 244,549 SH   SOLE   0 0 244,549
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   5,006,498 116,729 SH   SOLE   0 0 116,729
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,558,709 133,635 SH   SOLE   0 0 133,635
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   3,039,282 64,310 SH   SOLE   0 0 64,310
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   2,815,303 56,578 SH   SOLE   0 0 56,578
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   2,479,959 101,742 SH   SOLE   0 0 101,742
ISHARES TR NATIONAL MUN ETF 464288414   1,702,349 15,977 SH   SOLE   0 0 15,977
VANECK ETF TRUST LONG MUNI ETF 92189F536   1,669,134 93,352 SH   SOLE   0 0 93,352
ISHARES TR CORE S&P500 ETF 464287200   368,514 626 SH   SOLE   0 0 626
ISHARES TR SHRT NAT MUN ETF 464288158   243,764 2,311 SH   SOLE   0 0 2,311
WISDOMTREE TR PUTWRITE STRAT 97717X560   217,576 6,600 SH   SOLE   0 0 6,600