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
Estimated average burden
hours per response: 23.8
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
AT&T INC COM 00206R102 239 8,310 SH   SOLE 0 0 0 8,310
ALPHABET INC CAP STK CL C 02079K107 359 205 SH   SOLE 0 0 0 205
ALPHABET INC CAP STK CL A 02079K305 284 162 SH   SOLE 0 0 0 162
AMAZON COM INC COM 023135106 440 135 SH   SOLE 0 0 0 135
APPLE INC COM 037833100 3,549 26,747 SH   SOLE 0 0 0 26,747
BK OF AMERICA CORP COM 060505104 299 9,873 SH   SOLE 0 0 0 9,873
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 800 3,452 SH   SOLE 0 0 0 3,452
BLACKLINE INC COM 09239B109 220 1,650 SH   SOLE 0 0 0 1,650
CSP INC COM 126389105 227 29,389 SH   SOLE 0 0 0 29,389
CSX CORP COM 126408103 246 2,709 SH   SOLE 0 0 0 2,709
CHEVRON CORP NEW COM 166764100 208 2,457 SH   SOLE 0 0 0 2,457
CHIPOTLE MEXICAN GRILL INC COM 169656105 808 583 SH   SOLE 0 0 0 583
COCA COLA CO COM 191216100 794 14,483 SH   SOLE 0 0 0 14,483
COSTCO WHSL CORP NEW COM 22160K105 478 1,269 SH   SOLE 0 0 0 1,269
DANAHER CORPORATION COM 235851102 212 955 SH   SOLE 0 0 0 955
DISNEY WALT CO COM 254687106 570 3,147 SH   SOLE 0 0 0 3,147
FACEBOOK INC CL A 30303M102 252 922 SH   SOLE 0 0 0 922
FS KKR CAP CORP II COM 35952V303 311 18,970 SH   SOLE 0 0 0 18,970
GENERAL ELECTRIC CO COM 369604103 173 16,005 SH   SOLE 0 0 0 16,005
HOME DEPOT INC COM 437076102 2,700 10,163 SH   SOLE 0 0 0 10,163
HONEYWELL INTL INC COM 438516106 249 1,169 SH   SOLE 0 0 0 1,169
INVESCO QQQ TR UNIT SER 1 46090E103 1,056 3,367 SH   SOLE 0 0 0 3,367
ISHARES TR CORE S&P500 ETF 464287200 36,512 97,263 SH   SOLE 0 0 0 97,263
ISHARES TR CORE US AGGBD ET 464287226 558 4,718 SH   SOLE 0 0 0 4,718
ISHARES TR S&P 500 GRWT ETF 464287309 201 3,144 SH   SOLE 0 0 0 3,144
ISHARES TR RUS 1000 GRW ETF 464287614 310 1,284 SH   SOLE 0 0 0 1,284
ISHARES TR RUS 2000 VAL ETF 464287630 281 2,136 SH   SOLE 0 0 0 2,136
ISHARES TR RUSSELL 2000 ETF 464287655 378 1,928 SH   SOLE 0 0 0 1,928
ISHARES TR RUSSELL 3000 ETF 464287689 447 2,000 SH   SOLE 0 0 0 2,000
ISHARES TR MSCI ACWI EX US 464288240 1,207 22,753 SH   SOLE 0 0 0 22,753
ISHARES TR MSCI ACWI ETF 464288257 1,737 19,144 SH   SOLE 0 0 0 19,144
ISHARES TR MSCI USA MMENTM 46432F396 493 3,059 SH   SOLE 0 0 0 3,059
JPMORGAN CHASE & CO COM 46625H100 319 2,512 SH   SOLE 0 0 0 2,512
JOHNSON & JOHNSON COM 478160104 291 1,850 SH   SOLE 0 0 0 1,850
LILLY ELI & CO COM 532457108 2,189 12,966 SH   SOLE 0 0 0 12,966
MICROSOFT CORP COM 594918104 2,326 10,457 SH   SOLE 0 0 0 10,457
NETFLIX INC COM 64110L106 554 1,025 SH   SOLE 0 0 0 1,025
PEPSICO INC COM 713448108 390 2,629 SH   SOLE 0 0 0 2,629
PFIZER INC COM 717081103 225 6,124 SH   SOLE 0 0 0 6,124
PROCTER AND GAMBLE CO COM 742718109 298 2,138 SH   SOLE 0 0 0 2,138
QUALCOMM INC COM 747525103 204 1,340 SH   SOLE 0 0 0 1,340
SPDR S&P 500 ETF TR TR UNIT 78462F103 386 1,032 SH   SOLE 0 0 0 1,032
SPDR SER TR PRTFLO S&P500 GW 78464A409 203 3,671 SH   SOLE 0 0 0 3,671
SPDR SER TR PORTFOLI S&P1500 78464A805 327 7,099 SH   SOLE 0 0 0 7,099
SSGA ACTIVE ETF TR GLOBL ALLO ETF 78467V400 304 7,110 SH   SOLE 0 0 0 7,110
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 1,001 3,272 SH   SOLE 0 0 0 3,272
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 849 9,334 SH   SOLE 0 0 0 9,334
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 7,248 79,697 SH   SOLE 0 0 0 79,697
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 984 7,664 SH   SOLE 0 0 0 7,664
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 515 8,653 SH   SOLE 0 0 0 8,653
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 30,782 451,483 SH   SOLE 0 0 0 451,483
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,344 26,338 SH   SOLE 0 0 0 26,338
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,390 21,672 SH   SOLE 0 0 0 21,672
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 540 15,004 SH   SOLE 0 0 0 15,004
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 66,327 1,183,774 SH   SOLE 0 0 0 1,183,774
SCHWAB STRATEGIC TR US REIT ETF 808524847 509 13,398 SH   SOLE 0 0 0 13,398
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 591 11,492 SH   SOLE 0 0 0 11,492
SOUTHERN CO COM 842587107 257 4,180 SH   SOLE 0 0 0 4,180
TARGET CORP COM 87612E106 231 1,311 SH   SOLE 0 0 0 1,311
TESLA INC COM 88160R101 1,542 2,185 SH   SOLE 0 0 0 2,185
UNITED PARCEL SERVICE INC CL B 911312106 323 1,919 SH   SOLE 0 0 0 1,919
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,542 25,088 SH   SOLE 0 0 0 25,088
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 251 5,323 SH   SOLE 0 0 0 5,323
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,220 24,258 SH   SOLE 0 0 0 24,258
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 754 9,264 SH   SOLE 0 0 0 9,264
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 260 5,183 SH   SOLE 0 0 0 5,183
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 19,446 315,686 SH   SOLE 0 0 0 315,686
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 287 3,384 SH   SOLE 0 0 0 3,384
VANGUARD INDEX FDS MID CAP ETF 922908629 1,666 8,058 SH   SOLE 0 0 0 8,058
VANGUARD INDEX FDS GROWTH ETF 922908736 886 3,497 SH   SOLE 0 0 0 3,497
VANGUARD INDEX FDS VALUE ETF 922908744 235 1,972 SH   SOLE 0 0 0 1,972
VANGUARD INDEX FDS SMALL CP ETF 922908751 862 4,427 SH   SOLE 0 0 0 4,427
VANGUARD INDEX FDS TOTAL STK MKT 922908769 683 3,510 SH   SOLE 0 0 0 3,510
VERIZON COMMUNICATIONS INC COM 92343V104 249 4,232 SH   SOLE 0 0 0 4,232
VISA INC COM CL A 92826C839 344 1,572 SH   SOLE 0 0 0 1,572
WP CAREY INC COM 92936U109 797 11,298 SH   SOLE 0 0 0 11,298
WISDOMTREE TR US MIDCAP DIVID 97717W505 766 21,994 SH   SOLE 0 0 0 21,994
WISDOMTREE TR US QTLY DIV GRT 97717X669 416 7,703 SH   SOLE 0 0 0 7,703