The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete. | |||||||||||||||||
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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 13F FORM 13F INFORMATION TABLE |
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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 |
| 3M CO | COM | 88579Y101 | 200 | 1,134 | SH | SOLE | 0 | 0 | 1,134 | ||
| APPLE INC | COM | 037833100 | 340 | 2,993 | SH | SOLE | 0 | 0 | 2,993 | ||
| AT&T INC | COM | 00206R102 | 272 | 6,699 | SH | SOLE | 0 | 0 | 6,699 | ||
| CHEVRON CORP NEW | COM | 166764100 | 272 | 2,640 | SH | SOLE | 0 | 0 | 2,640 | ||
| COLGATE PALMOLIVE CO | COM | 194162103 | 596 | 8,050 | SH | SOLE | 0 | 0 | 8,050 | ||
| DISNEY WALT CO | COM DISNEY | 254687106 | 204 | 2,203 | SH | SOLE | 0 | 0 | 2,203 | ||
| EXXON MOBIL CORP | COM | 30231G102 | 349 | 4,003 | SH | SOLE | 0 | 0 | 4,003 | ||
| GENERAL ELECTRIC CO | COM | 369604103 | 453 | 15,287 | SH | SOLE | 0 | 0 | 15,287 | ||
| HOME DEPOT INC | COM | 437076102 | 214 | 1,665 | SH | SOLE | 0 | 0 | 1,665 | ||
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | 303 | 1,896 | SH | SOLE | 0 | 0 | 1,896 | ||
| ISHARES TR | CORE US AGGBD ET | 464287226 | 320 | 2,823 | SH | SOLE | 0 | 0 | 2,823 | ||
| ISHARES TR | HDG MSCI EAFE | 46434V803 | 13,458 | 542,595 | SH | SOLE | 0 | 0 | 542,595 | ||
| ISHARES TR | NATIONAL MUN ETF | 464288414 | 10,032 | 88,969 | SH | SOLE | 0 | 0 | 88,969 | ||
| ISHARES TR | RUS 1000 GRW ETF | 464287614 | 13,381 | 128,316 | SH | SOLE | 0 | 0 | 128,316 | ||
| ISHARES TR | RUS 1000 VAL ETF | 464287598 | 7,114 | 67,424 | SH | SOLE | 0 | 0 | 67,424 | ||
| JOHNSON & JOHNSON | COM | 478160104 | 762 | 6,436 | SH | SOLE | 0 | 0 | 6,436 | ||
| JPMORGAN CHASE & CO | COM | 46625H100 | 1,536 | 23,057 | SH | SOLE | 0 | 0 | 23,057 | ||
| MERCK & CO INC | COM | 58933Y105 | 857 | 13,750 | SH | SOLE | 0 | 0 | 13,750 | ||
| PUBLIC SVC ENTERPRISE GROUP | COM | 744573106 | 529 | 12,637 | SH | SOLE | 0 | 0 | 12,637 | ||
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 | 551 | 19,125 | SH | SOLE | 0 | 0 | 19,125 | ||
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 | 35,299 | 657,783 | SH | SOLE | 0 | 0 | 657,783 | ||
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 | 204 | 3,877 | SH | SOLE | 0 | 0 | 3,877 | ||
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 | 1,851 | 33,396 | SH | SOLE | 0 | 0 | 33,396 | ||
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 | 1,192 | 26,108 | SH | SOLE | 0 | 0 | 26,108 | ||
| SPDR GOLD TRUST | GOLD SHS | 78463V107 | 8,614 | 68,538 | SH | SOLE | 0 | 0 | 68,538 | ||
| SSGA ACTIVE ETF TR | SPDR TR TACTIC | 78467V848 | 37,583 | 748,889 | SH | SOLE | 0 | 0 | 748,889 | ||
| VANGUARD BD INDEX FD INC | TOTAL BND MRKT | 921937835 | 220 | 2,620 | SH | SOLE | 0 | 0 | 2,620 | ||
| VANGUARD CHARLOTTE FDS | INTL BD IDX ETF | 92203J407 | 503 | 8,970 | SH | SOLE | 0 | 0 | 8,970 | ||
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 | 5,011 | 102,700 | SH | SOLE | 0 | 0 | 102,700 | ||