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 85 SH   SOLE   0 0 85
ALPHABET INC CAP STK CL C 02079K107 261 98 SH   SOLE   0 0 98
AMAZON COM INC COM 023135106 348 106 SH   SOLE   0 0 106
APPLE INC COM 037833100 4,277 30,225 SH   SOLE   0 0 30,225
AT&T INC COM 00206R102 790 29,254 SH   SOLE   0 0 29,254
BK OF AMERICA CORP COM 060505104 390 9,180 SH   SOLE   0 0 9,180
CHEVRON CORP NEW COM 166764100 249 2,450 SH   SOLE   0 0 2,450
CISCO SYS INC COM 17275R102 331 6,076 SH   SOLE   0 0 6,076
COCA COLA CONS INC COM 191098102 417 7,948 SH   SOLE   0 0 7,948
COLGATE PALMOLIVE CO COM 194162103 256 3,392 SH   SOLE   0 0 3,392
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 465 9,863 SH   SOLE   0 0 9,863
DISNEY WALT CO COM 254687106 422 2,492 SH   SOLE   0 0 2,492
FACEBOOK INC CL A 30303M102 425 1,251 SH   SOLE   0 0 1,251
HOME DEPOT INC COM 437076102 235 717 SH   SOLE   0 0 717
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 11,180 419,181 SH   SOLE   0 0 419,181
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 16,150 829,032 SH   SOLE   0 0 829,032
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,148 7,665 SH   SOLE   0 0 7,665
INVESCO QQQ TR UNIT SER 1 46090E103 676 1,890 SH   SOLE   0 0 1,890
ISHARES INC CORE MSCI EMKT 46434G103 1,514 24,488 SH   SOLE   0 0 24,488
ISHARES TR 0-5YR HI YL CP 46434V407 4,707 102,999 SH   SOLE   0 0 102,999
ISHARES TR CORE MSCI EAFE 46432F842 2,325 31,285 SH   SOLE   0 0 31,285
ISHARES TR CORE S&P MCP ETF 464287507 2,054 7,800 SH   SOLE   0 0 7,800
ISHARES TR CORE S&P SCP ETF 464287804 2,025 18,536 SH   SOLE   0 0 18,536
ISHARES TR CORE S&P TTL STK 464287150 721 7,320 SH   SOLE   0 0 7,320
ISHARES TR CORE S&P500 ETF 464287200 5,945 13,787 SH   SOLE   0 0 13,787
ISHARES TR CORE US AGGBD ET 464287226 2,914 25,379 SH   SOLE   0 0 25,379
ISHARES TR FLTG RATE NT ETF 46429B655 6,062 119,237 SH   SOLE   0 0 119,237
ISHARES TR IBOXX HI YD ETF 464288513 3,125 35,722 SH   SOLE   0 0 35,722
ISHARES TR IBOXX INV CP ETF 464287242 1,400 10,525 SH   SOLE   0 0 10,525
ISHARES TR JPMORGAN USD EMG 464288281 5,286 48,031 SH   SOLE   0 0 48,031
ISHARES TR NATIONAL MUN ETF 464288414 3,767 32,424 SH   SOLE   0 0 32,424
ISHARES TR RUS 1000 GRW ETF 464287614 1,846 6,736 SH   SOLE   0 0 6,736
ISHARES TR RUS 1000 VAL ETF 464287598 393 2,512 SH   SOLE   0 0 2,512
ISHARES TR S&P 100 ETF 464287101 248 1,257 SH   SOLE   0 0 1,257
JOHNSON & JOHNSON COM 478160104 944 5,843 SH   SOLE   0 0 5,843
JPMORGAN CHASE & CO COM 46625H100 919 5,615 SH   SOLE   0 0 5,615
LAS VEGAS SANDS CORP COM 517834107 231 6,300 SH   SOLE   0 0 6,300
MERCK & CO INC COM 58933Y105 665 8,858 SH   SOLE   0 0 8,858
MICROSOFT CORP COM 594918104 1,217 4,317 SH   SOLE   0 0 4,317
MODERNA INC COM 60770K107 280 728 SH   SOLE   0 0 728
NEXTERA ENERGY INC COM 65339F101 261 3,325 SH   SOLE   0 0 3,325
PIMCO ETF TR INV GRD CRP BD 72201R817 12,170 107,157 SH   SOLE   0 0 107,157
RESTAURANT BRANDS INTL INC COM 76131D103 378 35,300 SH   SOLE   0 0 35,300
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 13,365 438,500 SH   SOLE   0 0 438,500
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 17,060 440,816 SH   SOLE   0 0 440,816
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,083 21,152 SH   SOLE   0 0 21,152
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 33,279 613,326 SH   SOLE   0 0 613,326
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 10,730 103,309 SH   SOLE   0 0 103,309
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,881 52,275 SH   SOLE   0 0 52,275
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,986 13,409 SH   SOLE   0 0 13,409
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 557 8,251 SH   SOLE   0 0 8,251
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 43,704 420,110 SH   SOLE   0 0 420,110
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 10,727 139,932 SH   SOLE   0 0 139,932
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,361 103,503 SH   SOLE   0 0 103,503
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3,880 107,162 SH   SOLE   0 0 107,162
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,995 70,428 SH   SOLE   0 0 70,428
SPDR SER TR BLOMBERG BRC INV 78468R200 16,706 544,868 SH   SOLE   0 0 544,868
SPDR SER TR NUVEEN BRC MUNIC 78468R721 8,010 155,315 SH   SOLE   0 0 155,315
SPDR SER TR PORTFOLI S&P1500 78464A805 1,673 31,575 SH   SOLE   0 0 31,575
SPDR SER TR PORTFOLIO AGRGTE 78464A649 9,243 309,659 SH   SOLE   0 0 309,659
SPDR SER TR PORTFOLIO INTRMD 78464A375 3,285 89,948 SH   SOLE   0 0 89,948
SPDR SER TR PORTFOLIO S&P400 78464A847 2,040 44,204 SH   SOLE   0 0 44,204
SPDR SER TR PORTFOLIO S&P500 78464A854 8,708 172,570 SH   SOLE   0 0 172,570
SPDR SER TR PORTFOLIO S&P600 78468R853 2,027 47,593 SH   SOLE   0 0 47,593
SPDR SER TR PORTFOLIO SHORT 78464A474 209 6,829 SH   SOLE   0 0 6,829
SPDR SER TR PRTFLO S&P500 HI 78468R788 807 20,640 SH   SOLE   0 0 20,640
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 216 4,462 SH   SOLE   0 0 4,462
VANGUARD INDEX FDS TOTAL STK MKT 922908769 860 3,875 SH   SOLE   0 0 3,875
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 268 4,389 SH   SOLE   0 0 4,389
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 251 1,637 SH   SOLE   0 0 1,637
VERIZON COMMUNICATIONS INC COM 92343V104 209 3,877 SH   SOLE   0 0 3,877
WISDOMTREE TR YIELD ENHANCD US 97717X511 210 4,050 SH   SOLE   0 0 4,050