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
3M CO COM 88579Y101 216 1,134 SH   SOLE   0 0 1,134
APPLE INC COM 037833100 825 5,227 SH   SOLE   0 0 5,227
AT&T INC COM 00206R102 208 7,280 SH   SOLE   0 0 7,280
BANK AMER CORP COM 060505104 224 9,080 SH   SOLE   0 0 9,080
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,530 500 SH   SOLE   0 0 500
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 406 1,987 SH   SOLE   0 0 1,987
COLGATE PALMOLIVE CO COM 194162103 434 7,298 SH   SOLE   0 0 7,298
HOME DEPOT INC COM 437076102 211 1,226 SH   SOLE   0 0 1,226
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 9,859 557,970 SH   SOLE   0 0 557,970
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 5,857 221,673 SH   SOLE   0 0 221,673
ISHARES TR CORE S&P500 ETF 464287200 526 2,090 SH   SOLE   0 0 2,090
ISHARES TR CORE US AGGBD ET 464287226 639 5,997 SH   SOLE   0 0 5,997
ISHARES TR IBOXX INV CP ETF 464287242 684 6,062 SH   SOLE   0 0 6,062
ISHARES TR RUS 1000 VAL ETF 464287598 289 2,598 SH   SOLE   0 0 2,598
ISHARES TR RUS 1000 GRW ETF 464287614 983 7,511 SH   SOLE   0 0 7,511
ISHARES TR JPMORGAN USD EMG 464288281 2,508 24,135 SH   SOLE   0 0 24,135
ISHARES TR NATIONAL MUN ETF 464288414 2,049 18,791 SH   SOLE   0 0 18,791
ISHARES TR FLTG RATE NT ETF 46429B655 2,801 55,627 SH   SOLE   0 0 55,627
ISHARES TR CORE MSCI EAFE 46432F842 483 8,777 SH   SOLE   0 0 8,777
ISHARES TR 0-5YR HI YL CP 46434V407 4,246 81,251 SH   SOLE   0 0 81,251
ISHARES TR HDG MSCI EAFE 46434V803 273 10,564 SH   SOLE   0 0 10,564
JOHNSON & JOHNSON COM 478160104 687 5,326 SH   SOLE   0 0 5,326
JPMORGAN CHASE & CO COM 46625H100 2,041 20,904 SH   SOLE   0 0 20,904
MERCK & CO INC COM 58933Y105 553 7,241 SH   SOLE   0 0 7,241
MICROSOFT CORP COM 594918104 318 3,127 SH   SOLE   0 0 3,127
PIMCO ETF TR ACTIVE BD ETF 72201R775 203 1,977 SH   SOLE   0 0 1,977
PIMCO ETF TR INV GRD CRP BD 72201R817 5,996 60,531 SH   SOLE   0 0 60,531
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,995 83,346 SH   SOLE   0 0 83,346
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 22,849 382,735 SH   SOLE   0 0 382,735
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 956 13,873 SH   SOLE   0 0 13,873
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 410 8,314 SH   SOLE   0 0 8,314
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,423 113,145 SH   SOLE   0 0 113,145
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,118 67,868 SH   SOLE   0 0 67,868
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,478 232,821 SH   SOLE   0 0 232,821
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,347 113,846 SH   SOLE   0 0 113,846
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 11,090 391,183 SH   SOLE   0 0 391,183
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 19,387 383,228 SH   SOLE   0 0 383,228
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 610 12,224 SH   SOLE   0 0 12,224
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,395 43,101 SH   SOLE   0 0 43,101
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 2,951 111,569 SH   SOLE   0 0 111,569
SPDR SER TR BLOMBERG BRC INV 78468R200 10,225 336,694 SH   SOLE   0 0 336,694
SPDR SER TR NUVEEN BRC MUNIC 78468R721 6,860 142,567 SH   SOLE   0 0 142,567
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,374 40,315 SH   SOLE   0 0 40,315
SPDR SER TR PORTFOLIO SM ETF 78468R853 1,061 40,257 SH   SOLE   0 0 40,257
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 1,835 55,550 SH   SOLE   0 0 55,550
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 6,670 239,506 SH   SOLE   0 0 239,506
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 1,286 41,600 SH   SOLE   0 0 41,600
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 1,345 45,726 SH   SOLE   0 0 45,726
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 5,761 197,236 SH   SOLE   0 0 197,236
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 283 5,987 SH   SOLE   0 0 5,987
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 243 4,484 SH   SOLE   0 0 4,484
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 272 5,978 SH   SOLE   0 0 5,978
VERIZON COMMUNICATIONS INC COM 92343V104 239 4,260 SH   SOLE   0 0 4,260