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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
ALTRIA GROUP INC COM 02209S103   963,401 16,432 SH   SOLE 0 0 0 16,432
BOEING CO COM 097023105   559,678 2,671 SH   SOLE 0 0 0 2,671
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   2,418,548 51,100 SH   SOLE 0 0 0 51,100
EXXON MOBIL CORP COM 30231G102   529,633 4,913 SH   SOLE 0 0 0 4,913
INTERNATIONAL TOWER HILL MIN COM 46050R102   8,555 10,000 SH   SOLE 0 0 0 10,000
ISHARES TR MSCI EMG MKT ETF 464287234   805,415 16,696 SH   SOLE 0 0 0 16,696
ISHARES TR 7-10 YR TRSY BD 464287440   929,448 9,705 SH   SOLE 0 0 0 9,705
ISHARES TR 3 7 YR TREAS BD 464288661   893,175 7,500 SH   SOLE 0 0 0 7,500
ISHARES TR CORE 60/40 BALAN 464289867   7,243,526 117,647 SH   SOLE 0 0 0 117,647
ISHARES TR 0-3 MNTH TREASRY 46436E718   6,397,943 63,541 SH   SOLE 0 0 0 63,541
PHILIP MORRIS INTL INC COM 718172109   1,000,619 5,494 SH   SOLE 0 0 0 5,494
SPDR GOLD TR GOLD SHS 78463V107   228,927 751 SH   SOLE 0 0 0 751
SSGA ACTIVE ETF TR GLOBL ALLO ETF 78467V400   9,087,029 193,348 SH   SOLE 0 0 0 193,348
SPDR SERIES TRUST BLOOMBERG 3-12 M 78468R523   942,099 9,475 SH   SOLE 0 0 0 9,475
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663   2,208,749 24,079 SH   SOLE 0 0 0 24,079
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   22,020,946 924,085 SH   SOLE 0 0 0 924,085
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   3,334,838 136,450 SH   SOLE 0 0 0 136,450
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   496,103 16,984 SH   SOLE 0 0 0 16,984
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   350,302 12,660 SH   SOLE 0 0 0 12,660
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,060,121 41,902 SH   SOLE 0 0 0 41,902
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   1,001,701 25,030 SH   SOLE 0 0 0 25,030
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   568,248 23,156 SH   SOLE 0 0 0 23,156
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   4,770,216 180,008 SH   SOLE 0 0 0 180,008
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,713,731 213,291 SH   SOLE 0 0 0 213,291
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   19,759,903 850,254 SH   SOLE 0 0 0 850,254
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   881,106 35,202 SH   SOLE 0 0 0 35,202
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   7,717,513 316,551 SH   SOLE 0 0 0 316,551
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   309,438 6,250 SH   SOLE 0 0 0 6,250
VISA INC COM CL A 92826C839   239,659 675 SH   SOLE 0 0 0 675