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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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
AMAZON COM INC COM 023135106 334 2,955 SH   SOLE   0 0 2,955
APPLE INC COM 037833100 4,172 30,189 SH   SOLE   0 0 30,189
AT&T INC COM 00206R102 462 30,141 SH   SOLE   0 0 30,141
BK OF AMERICA CORP COM 060505104 300 9,930 SH   SOLE   0 0 9,930
CHEVRON CORP NEW COM 166764100 352 2,450 SH   SOLE   0 0 2,450
CISCO SYS INC COM 17275R102 248 6,207 SH   SOLE   0 0 6,207
COCA COLA CONS INC COM 191098102 459 8,193 SH   SOLE   0 0 8,193
COLGATE PALMOLIVE CO COM 194162103 303 4,319 SH   SOLE   0 0 4,319
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 383 9,863 SH   SOLE   0 0 9,863
DISNEY WALT CO COM 254687106 233 2,475 SH   SOLE   0 0 2,475
HERSHEY CO COM 427866108 243 1,100 SH   SOLE   0 0 1,100
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 4,036 238,227 SH   SOLE   0 0 238,227
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 12,746 775,784 SH   SOLE   0 0 775,784
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 976 7,665 SH   SOLE   0 0 7,665
INVESCO QQQ TR UNIT SER 1 46090E103 516 1,930 SH   SOLE   0 0 1,930
ISHARES INC CORE MSCI EMKT 46434G103 1,871 43,528 SH   SOLE   0 0 43,528
ISHARES TR 0-5YR HI YL CP 46434V407 3,924 98,257 SH   SOLE   0 0 98,257
ISHARES TR 1 3 YR TREAS BD 464287457 486 5,982 SH   SOLE   0 0 5,982
ISHARES TR CORE DIV GRWTH 46434V621 244 5,482 SH   SOLE   0 0 5,482
ISHARES TR CORE MSCI EAFE 46432F842 2,940 55,812 SH   SOLE   0 0 55,812
ISHARES TR CORE S&P MCP ETF 464287507 2,454 11,190 SH   SOLE   0 0 11,190
ISHARES TR CORE S&P SCP ETF 464287804 2,374 27,224 SH   SOLE   0 0 27,224
ISHARES TR CORE S&P TTL STK 464287150 890 11,187 SH   SOLE   0 0 11,187
ISHARES TR CORE S&P500 ETF 464287200 7,792 21,725 SH   SOLE   0 0 21,725
ISHARES TR CORE US AGGBD ET 464287226 3,562 36,970 SH   SOLE   0 0 36,970
ISHARES TR FLTG RATE NT ETF 46429B655 7,336 145,938 SH   SOLE   0 0 145,938
ISHARES TR IBOXX HI YD ETF 464288513 3,338 46,764 SH   SOLE   0 0 46,764
ISHARES TR IBOXX INV CP ETF 464287242 1,602 15,640 SH   SOLE   0 0 15,640
ISHARES TR JPMORGAN USD EMG 464288281 7,079 89,151 SH   SOLE   0 0 89,151
ISHARES TR NATIONAL MUN ETF 464288414 3,352 32,679 SH   SOLE   0 0 32,679
ISHARES TR RUS 1000 GRW ETF 464287614 1,421 6,754 SH   SOLE   0 0 6,754
ISHARES TR RUS 1000 VAL ETF 464287598 342 2,512 SH   SOLE   0 0 2,512
ISHARES TR S&P 100 ETF 464287101 204 1,257 SH   SOLE   0 0 1,257
JOHNSON & JOHNSON COM 478160104 934 5,717 SH   SOLE   0 0 5,717
JPMORGAN CHASE & CO COM 46625H100 541 5,180 SH   SOLE   0 0 5,180
LAS VEGAS SANDS CORP COM 517834107 236 6,300 SH   SOLE   0 0 6,300
MERCK & CO INC COM 58933Y105 759 8,808 SH   SOLE   0 0 8,808
MICROSOFT CORP COM 594918104 1,020 4,380 SH   SOLE   0 0 4,380
NEXTERA ENERGY INC COM 65339F101 272 3,467 SH   SOLE   0 0 3,467
PIMCO ETF TR INV GRD CRP BD 72201R817 9,385 102,867 SH   SOLE   0 0 102,867
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 9,934 443,461 SH   SOLE   0 0 443,461
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 12,957 460,624 SH   SOLE   0 0 460,624
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,649 54,900 SH   SOLE   0 0 54,900
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 23,488 518,384 SH   SOLE   0 0 518,384
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,883 163,916 SH   SOLE   0 0 163,916
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,896 58,652 SH   SOLE   0 0 58,652
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,461 26,174 SH   SOLE   0 0 26,174
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 481 8,222 SH   SOLE   0 0 8,222
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 35,626 841,233 SH   SOLE   0 0 841,233
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 8,865 146,448 SH   SOLE   0 0 146,448
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 8,744 231,334 SH   SOLE   0 0 231,334
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3,077 119,279 SH   SOLE   0 0 119,279
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,461 79,270 SH   SOLE   0 0 79,270
SPDR SER TR BLOOMBERG INVT 78468R200 16,951 559,449 SH   SOLE   0 0 559,449
SPDR SER TR NUVEEN BLMBRG MU 78468R721 5,955 135,381 SH   SOLE   0 0 135,381
SPDR SER TR PORTFOLI S&P1500 78464A805 1,030 23,355 SH   SOLE   0 0 23,355
SPDR SER TR PORTFOLIO AGRGTE 78464A649 6,807 272,812 SH   SOLE   0 0 272,812
SPDR SER TR PORTFOLIO INTRMD 78464A375 2,683 85,650 SH   SOLE   0 0 85,650
SPDR SER TR PORTFOLIO S&P400 78464A847 1,753 45,464 SH   SOLE   0 0 45,464
SPDR SER TR PORTFOLIO S&P500 78464A854 7,293 173,676 SH   SOLE   0 0 173,676
SPDR SER TR PORTFOLIO S&P600 78468R853 1,712 50,276 SH   SOLE   0 0 50,276
SPDR SER TR PORTFOLIO SHORT 78464A474 533 18,421 SH   SOLE   0 0 18,421
SPDR SER TR PRTFLO S&P500 HI 78468R788 827 23,326 SH   SOLE   0 0 23,326
VANGUARD INDEX FDS TOTAL STK MKT 922908769 677 3,774 SH   SOLE   0 0 3,774
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 219 4,935 SH   SOLE   0 0 4,935
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 221 1,637 SH   SOLE   0 0 1,637