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
ALPHABET INC CAP STK CL A 02079K305 227 104 SH   SOLE   0 0 104
AMAZON COM INC COM 023135106 831 7,820 SH   SOLE   0 0 7,820
APPLE INC COM 037833100 1,071 7,834 SH   SOLE   0 0 7,834
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 779 2,853 SH   SOLE   0 0 2,853
INVESCO EXCHANGE TRADED FD T S&P MDCP400 EQ 46137V225 1,119 14,358 SH   SOLE   0 0 14,358
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 3,348 24,943 SH   SOLE   0 0 24,943
ISHARES INC CORE MSCI EMKT 46434G103 301 6,128 SH   SOLE   0 0 6,128
ISHARES TR 3YRTB ETF 464288125 404 5,808 SH   SOLE   0 0 5,808
ISHARES TR AGGRES ALLOC ETF 464289859 701 11,698 SH   SOLE   0 0 11,698
ISHARES TR BLACKROCK ULTRA 46434V878 445 8,900 SH   SOLE   0 0 8,900
ISHARES TR COHEN STEER REIT 464287564 399 6,559 SH   SOLE   0 0 6,559
ISHARES TR CORE 1 5 YR USD 46432F859 21,875 461,490 SH   SOLE   0 0 461,490
ISHARES TR CORE MSCI EAFE 46432F842 1,286 21,848 SH   SOLE   0 0 21,848
ISHARES TR CORE MSCI TOTAL 46432F834 705 12,917 SH   SOLE   0 0 12,917
ISHARES TR CORE S&P MCP ETF 464287507 667 2,948 SH   SOLE   0 0 2,948
ISHARES TR CORE S&P SCP ETF 464287804 608 6,579 SH   SOLE   0 0 6,579
ISHARES TR CORE S&P500 ETF 464287200 2,211 5,831 SH   SOLE   0 0 5,831
ISHARES TR CORE US AGGBD ET 464287226 300 2,955 SH   SOLE   0 0 2,955
ISHARES TR EAFE SML CP ETF 464288273 348 6,380 SH   SOLE   0 0 6,380
ISHARES TR GLOB HLTHCRE ETF 464287325 204 2,510 SH   SOLE   0 0 2,510
ISHARES TR IBONDS DEC22 ETF 46434VBA7 641 25,613 SH   SOLE   0 0 25,613
ISHARES TR IBOXX HI YD ETF 464288513 479 6,501 SH   SOLE   0 0 6,501
ISHARES TR ISHS 1-5YR INVS 464288646 12,879 254,773 SH   SOLE   0 0 254,773
ISHARES TR ISHS 5-10YR INVT 464288638 2,377 46,554 SH   SOLE   0 0 46,554
ISHARES TR MORNINGSTAR GRWT 464287119 588 11,743 SH   SOLE   0 0 11,743
ISHARES TR MORNINGSTAR VALU 464288109 524 8,670 SH   SOLE   0 0 8,670
ISHARES TR MRGSTR MD CP GRW 464288307 1,841 35,448 SH   SOLE   0 0 35,448
ISHARES TR MRGSTR MD CP VAL 464288406 1,836 30,935 SH   SOLE   0 0 30,935
ISHARES TR MRGSTR SM CP GR 464288604 718 20,325 SH   SOLE   0 0 20,325
ISHARES TR MRNING SM CP ETF 464288703 840 16,702 SH   SOLE   0 0 16,702
ISHARES TR MSCI ACWI ETF 464288257 596 7,100 SH   SOLE   0 0 7,100
ISHARES TR MSCI EMG MKT ETF 464287234 498 12,425 SH   SOLE   0 0 12,425
ISHARES TR NORTH AMERN NAT 464287374 689 19,149 SH   SOLE   0 0 19,149
ISHARES TR RESIDENTIAL MULT 464288562 870 10,873 SH   SOLE   0 0 10,873
ISHARES TR RUS MID CAP ETF 464287499 205 3,174 SH   SOLE   0 0 3,174
ISHARES TR S&P 500 GRWT ETF 464287309 527 8,740 SH   SOLE   0 0 8,740
ISHARES TR S&P 500 VAL ETF 464287408 282 2,049 SH   SOLE   0 0 2,049
ISHARES TR SELECT DIVID ETF 464287168 397 3,374 SH   SOLE   0 0 3,374
ISHARES TR SHORT TREAS BD 464288679 1,362 12,370 SH   SOLE   0 0 12,370
ISHARES TR TIPS BD ETF 464287176 1,924 16,888 SH   SOLE   0 0 16,888
ISHARES TR U.S. REAL ES ETF 464287739 532 5,785 SH   SOLE   0 0 5,785
MCDONALDS CORP COM 580135101 218 883 SH   SOLE   0 0 883
PIMCO ETF TR 1-5 US TIP IDX 72201R205 613 11,732 SH   SOLE   0 0 11,732
S&P GLOBAL INC COM 78409V104 201 595 SH   SOLE   0 0 595
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,853 191,218 SH   SOLE   0 0 191,218
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 17,957 570,966 SH   SOLE   0 0 570,966
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 4,788 153,329 SH   SOLE   0 0 153,329
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 211 4,093 SH   SOLE   0 0 4,093
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 20,881 424,499 SH   SOLE   0 0 424,499
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,060 63,933 SH   SOLE   0 0 63,933
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 9,791 136,685 SH   SOLE   0 0 136,685
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,054 69,903 SH   SOLE   0 0 69,903
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 4,359 69,840 SH   SOLE   0 0 69,840
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 32,648 731,027 SH   SOLE   0 0 731,027
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,386 101,807 SH   SOLE   0 0 101,807
SCHWAB STRATEGIC TR US REIT ETF 808524847 7,858 372,585 SH   SOLE   0 0 372,585
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5,418 138,958 SH   SOLE   0 0 138,958
SPDR GOLD TR GOLD SHS 78463V107 299 1,775 SH   SOLE   0 0 1,775
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 4,520 190,087 SH   SOLE   0 0 190,087
SPDR S&P 500 ETF TR TR UNIT 78462F103 819 2,170 SH   SOLE   0 0 2,170
SPDR SER TR S&P 400 MDCP GRW 78464A821 1,624 26,633 SH   SOLE   0 0 26,633
SPDR SER TR S&P 400 MDCP VAL 78464A839 1,501 24,813 SH   SOLE   0 0 24,813
SPDR SER TR S&P 600 SMCP GRW 78464A201 884 12,536 SH   SOLE   0 0 12,536
SPDR SER TR S&P 600 SMCP VAL 78464A300 940 12,978 SH   SOLE   0 0 12,978
VANGUARD INDEX FDS LARGE CAP ETF 922908637 476 2,760 SH   SOLE   0 0 2,760
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,005 5,328 SH   SOLE   0 0 5,328
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 645 12,906 SH   SOLE   0 0 12,906
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,180 124,372 SH   SOLE   0 0 124,372
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 757 7,440 SH   SOLE   0 0 7,440
VISA INC COM CL A 92826C839 236 1,200 SH   SOLE   0 0 1,200