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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
DISNEY WALT CO COM 254687106 409 4,339 SH   SOLE   0 0 4,339
SCHWAB STRATEGIC TR US REIT ETF 808524847 323 17,294 SH   SOLE   0 0 17,294
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1,195 17,571 SH   SOLE   0 0 17,571
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,062 225,998 SH   SOLE   0 0 225,998
PFIZER INC COM 717081103 668 15,264 SH   SOLE   0 0 15,264
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 21,736 1,171,103 SH   SOLE   0 0 1,171,103
ISHARES TR NATIONAL MUN ETF 464288414 1,087 10,600 SH   SOLE   0 0 10,600
PIMCO ETF TR ACTIVE BD ETF 72201R775 831 9,264 SH   SOLE   0 0 9,264
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,259 9,123 SH   SOLE   0 0 9,123
MASTERCARD INCORPORATED CL A 57636Q104 388 1,363 SH   SOLE   0 0 1,363
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 1,906 39,796 SH   SOLE   0 0 39,796
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619 2,282 58,434 SH   SOLE   0 0 58,434
ISHARES TR TIPS BD ETF 464287176 367 3,500 SH   SOLE   0 0 3,500
PEPSICO INC COM 713448108 774 4,738 SH   SOLE   0 0 4,738
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 25,867 364,225 SH   SOLE   0 0 364,225
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,005 13,958 SH   SOLE   0 0 13,958
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 3,350 50,196 SH   SOLE   0 0 50,196
COSTCO WHSL CORP NEW COM 22160K105 579 1,226 SH   SOLE   0 0 1,226
NEXTERA ENERGY INC COM 65339F101 226 2,879 SH   SOLE   0 0 2,879
VANGUARD WORLD FDS UTILITIES ETF 92204A876 2,080 14,624 SH   SOLE   0 0 14,624
TARGET CORP COM 87612E106 334 2,251 SH   SOLE   0 0 2,251
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 742 31,649 SH   SOLE   0 0 31,649
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 12,318 289,698 SH   SOLE   0 0 289,698
AMAZON COM INC COM 023135106 816 7,220 SH   SOLE   0 0 7,220
ISHARES INC MSCI EMERG MKT 46434G889 5,673 147,614 SH   SOLE   0 0 147,614
NOVO-NORDISK A S ADR 670100205 201 2,022 SH   SOLE   0 0 2,022
APPLE INC COM 037833100 11,771 85,176 SH   SOLE   0 0 85,176
LOWES COS INC COM 548661107 215 1,143 SH   SOLE   0 0 1,143
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 236 916 SH   SOLE   0 0 916
ORACLE CORP COM 68389X105 993 16,258 SH   SOLE   0 0 16,258
TEXAS INSTRS INC COM 882508104 325 2,099 SH   SOLE   0 0 2,099
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,151 28,746 SH   SOLE   0 0 28,746
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 2,573 16,333 SH   SOLE   0 0 16,333
PROCTER AND GAMBLE CO COM 742718109 504 3,994 SH   SOLE   0 0 3,994
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 422 8,415 SH   SOLE   0 0 8,415
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 826 21,860 SH   SOLE   0 0 21,860
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 3,896 22,676 SH   SOLE   0 0 22,676
LIBERTY MEDIA CORP DEL DEB 4.000%11/1 530715AG6 21 50,000 PRN   SOLE   0 0 50,000
WALMART INC COM 931142103 630 4,857 SH   SOLE   0 0 4,857
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 2,613 65,022 SH   SOLE   0 0 65,022
INTEL CORP COM 458140100 312 12,095 SH   SOLE   0 0 12,095
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 2,322 46,159 SH   SOLE   0 0 46,159
AMERICAN CENTY ETF TR US EQT ETF 025072885 5,712 91,618 SH   SOLE   0 0 91,618
ISHARES TR MSCI KLD400 SOC 464288570 321 4,798 SH   SOLE   0 0 4,798
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,141 47,257 SH   SOLE   0 0 47,257
FLEXSHARES TR M STAR DEV MKT 33939L803 202 3,908 SH   SOLE   0 0 3,908
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 31,571 1,255,295 SH   SOLE   0 0 1,255,295
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 4,140 118,013 SH   SOLE   0 0 118,013
ISHARES TR U.S. FINLS ETF 464287788 1,080 15,988 SH   SOLE   0 0 15,988
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 4,661 56,270 SH   SOLE   0 0 56,270
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 432 16,881 SH   SOLE   0 0 16,881
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 20,407 432,989 SH   SOLE   0 0 432,989
VANGUARD WORLD FDS ENERGY ETF 92204A306 2,673 26,317 SH   SOLE   0 0 26,317
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 88,177 2,099,947 SH   SOLE   0 0 2,099,947
CISCO SYS INC COM 17275R102 249 6,217 SH   SOLE   0 0 6,217
JPMORGAN CHASE & CO COM 46625H100 671 6,417 SH   SOLE   0 0 6,417
ISHARES INC CORE MSCI EMKT 46434G103 367 8,538 SH   SOLE   0 0 8,538
BROADCOM INC COM 11135F101 244 549 SH   SOLE   0 0 549
T-MOBILE US INC COM 872590104 312 2,327 SH   SOLE   0 0 2,327
ISHARES TR FLTG RATE NT ETF 46429B655 251 5,000 SH   SOLE   0 0 5,000
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 15,599 351,646 SH   SOLE   0 0 351,646
ABBVIE INC COM 00287Y109 347 2,588 SH   SOLE   0 0 2,588
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 301 1,127 SH   SOLE   0 0 1,127
ISHARES TR PFD AND INCM SEC 464288687 250 7,900 SH   SOLE   0 0 7,900
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 4,035 54,204 SH   SOLE   0 0 54,204
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 3,460 14,719 SH   SOLE   0 0 14,719
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,673 58,409 SH   SOLE   0 0 58,409
VANGUARD INDEX FDS MID CAP ETF 922908629 618 3,287 SH   SOLE   0 0 3,287
VISA INC COM CL A 92826C839 256 1,443 SH   SOLE   0 0 1,443
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,504 18,756 SH   SOLE   0 0 18,756
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 53,198 1,891,132 SH   SOLE   0 0 1,891,132
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 6,041 127,189 SH   SOLE   0 0 127,189
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 22,900 479,482 SH   SOLE   0 0 479,482
EOG RES INC COM 26875P101 387 3,462 SH   SOLE   0 0 3,462
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 13,684 115,201 SH   SOLE   0 0 115,201
VANGUARD INDEX FDS SMALL CP ETF 922908751 246 1,442 SH   SOLE   0 0 1,442
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 6,672 29,826 SH   SOLE   0 0 29,826
PNC FINL SVCS GROUP INC COM 693475105 344 2,305 SH   SOLE   0 0 2,305
VANGUARD WORLD FDS MATERIALS ETF 92204A801 910 6,128 SH   SOLE   0 0 6,128
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 8,881 60,950 SH   SOLE   0 0 60,950
HOME DEPOT INC COM 437076102 960 3,479 SH   SOLE   0 0 3,479
ISHARES GOLD TR ISHARES NEW 464285204 318 10,088 SH   SOLE   0 0 10,088
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 253 2,728 SH   SOLE   0 0 2,728
TESLA INC COM 88160R101 1,354 5,106 SH   SOLE   0 0 5,106
ASML HOLDING N V N Y REGISTRY SHS N07059210 270 651 SH   SOLE   0 0 651
EFFECTOR THERAPEUTICS INC COM 28202V108 11 20,000 SH   SOLE   0 0 20,000
AMGEN INC COM 031162100 285 1,265 SH   SOLE   0 0 1,265
INVESCO QQQ TR UNIT SER 1 46090E103 371 1,387 SH   SOLE   0 0 1,387
UNITEDHEALTH GROUP INC COM 91324P102 364 720 SH   SOLE   0 0 720
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 965 26,788 SH   SOLE   0 0 26,788
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,104 3,364 SH   SOLE   0 0 3,364
NETFLIX INC COM 64110L106 492 2,088 SH   SOLE   0 0 2,088
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 25,993 1,050,212 SH   SOLE   0 0 1,050,212
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,344 20,518 SH   SOLE   0 0 20,518
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 30,624 220,683 SH   SOLE   0 0 220,683
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,117 68,889 SH   SOLE   0 0 68,889
ISHARES TR RUS 1000 ETF 464287622 747 3,784 SH   SOLE   0 0 3,784
VANGUARD WORLD FDS INF TECH ETF 92204A702 8,630 28,076 SH   SOLE   0 0 28,076
ISHARES TR U S EQUITY FACTR 46434V282 1,101 30,402 SH   SOLE   0 0 30,402
MERCK & CO INC COM 58933Y105 390 4,525 SH   SOLE   0 0 4,525
RAYTHEON TECHNOLOGIES CORP COM 75513E101 216 2,640 SH   SOLE   0 0 2,640
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 752 17,768 SH   SOLE   0 0 17,768
MICROSOFT CORP COM 594918104 2,800 12,023 SH   SOLE   0 0 12,023
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 5,436 65,993 SH   SOLE   0 0 65,993
ISHARES TR INTL EQTY FACTOR 46434V274 24,082 1,150,038 SH   SOLE   0 0 1,150,038
MCDONALDS CORP COM 580135101 288 1,250 SH   SOLE   0 0 1,250
ALPHABET INC CAP STK CL A 02079K305 844 8,820 SH   SOLE   0 0 8,820
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 529 14,547 SH   SOLE   0 0 14,547
SPDR SER TR NUVEEN BLMBRG MU 78468R721 237 5,387 SH   SOLE   0 0 5,387
SPDR SER TR PRTFLO S&P500 GW 78464A409 467 9,330 SH   SOLE   0 0 9,330
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 8,371 69,115 SH   SOLE   0 0 69,115
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 2,349 105,627 SH   SOLE   0 0 105,627
PHILLIPS 66 COM 718546104 212 2,623 SH   SOLE   0 0 2,623
HONEYWELL INTL INC COM 438516106 326 1,950 SH   SOLE   0 0 1,950
ISHARES TR BROAD USD HIGH 46435U853 427 12,700 SH   SOLE   0 0 12,700
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 13,680 530,250 SH   SOLE   0 0 530,250
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 12,782 350,294 SH   SOLE   0 0 350,294
ALPHABET INC CAP STK CL C 02079K107 667 6,940 SH   SOLE   0 0 6,940
ISHARES TR CORE S&P500 ETF 464287200 366 1,020 SH   SOLE   0 0 1,020
SPDR SER TR PRTFLO S&P500 VL 78464A508 502 14,545 SH   SOLE   0 0 14,545
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 588 12,224 SH   SOLE   0 0 12,224
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 6,042 233,928 SH   SOLE   0 0 233,928
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 5,157 36,205 SH   SOLE   0 0 36,205
PAYPAL HLDGS INC COM 70450Y103 243 2,823 SH   SOLE   0 0 2,823
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 4,731 155,824 SH   SOLE   0 0 155,824
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,403 18,540 SH   SOLE   0 0 18,540
AES CORP COM 00130H105 253 11,216 SH   SOLE   0 0 11,216
SPDR SER TR PORTFOLI S&P1500 78464A805 9,921 224,909 SH   SOLE   0 0 224,909
JOHNSON & JOHNSON COM 478160104 660 4,040 SH   SOLE   0 0 4,040