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
AMERICAN TOWER CORP NEW COM 03027X100 456 2,180 SH   SOLE 0 0 2,180
APPLE INC COM 037833100 879 4,304 SH   SOLE 0 0 4,304
BLACKROCK MUN 2020 TERM TR COM SHS 09249X109 204 13,512 SH   SOLE 0 0 13,512
CISCO SYS INC COM 17275R102 226 4,000 SH   SOLE 0 0 4,000
COCA COLA CO COM 191216100 259 4,967 SH   SOLE 0 0 4,967
DBX ETF TR XTRACK MSCI EAFE 233051200 246 7,634 SH   SOLE 0 0 7,634
EXXON MOBIL CORP COM 30231G102 568 7,466 SH   SOLE 0 0 7,466
HOME DEPOT INC COM 437076102 551 2,607 SH   SOLE 0 0 2,607
INVESCO QQQ TR UNIT SER 1 46090E103 695 3,636 SH   SOLE 0 0 3,636
ISHARES INC CORE MSCI EMKT 46434G103 1,591 30,891 SH   SOLE 0 0 30,891
ISHARES TR CORE S&P500 ETF 464287200 16,332 54,420 SH   SOLE 0 0 54,420
ISHARES TR S&P 500 VAL ETF 464287408 1,362 11,508 SH   SOLE 0 0 11,508
ISHARES TR 1 3 YR TREAS BD 464287457 203 2,402 SH   SOLE 0 0 2,402
ISHARES TR MSCI EAFE ETF 464287465 1,931 29,184 SH   SOLE 0 0 29,184
ISHARES TR RUS 1000 VAL ETF 464287598 3,781 29,275 SH   SOLE 0 0 29,275
ISHARES TR RUS 1000 GRW ETF 464287614 4,196 26,040 SH   SOLE 0 0 26,040
ISHARES TR RUS 1000 ETF 464287622 1,030 6,211 SH   SOLE 0 0 6,211
ISHARES TR RUS 2000 VAL ETF 464287630 2,220 18,258 SH   SOLE 0 0 18,258
ISHARES TR RUSSELL 2000 ETF 464287655 1,253 7,995 SH   SOLE 0 0 7,995
ISHARES TR CORE S&P SCP ETF 464287804 2,212 28,095 SH   SOLE 0 0 28,095
ISHARES TR SP SMCP600VL ETF 464287879 3,221 21,547 SH   SOLE 0 0 21,547
ISHARES TR SHRT NAT MUN ETF 464288158 1,202 11,289 SH   SOLE 0 0 11,289
ISHARES TR EAFE SML CP ETF 464288273 5,858 100,933 SH   SOLE 0 0 100,933
ISHARES TR NATIONAL MUN ETF 464288414 883 7,822 SH   SOLE 0 0 7,822
ISHARES TR CRE U S REIT ETF 464288521 4,062 76,275 SH   SOLE 0 0 76,275
ISHARES TR MICRO-CAP ETF 464288869 388 4,144 SH   SOLE 0 0 4,144
ISHARES TR EAFE VALUE ETF 464288877 4,472 92,349 SH   SOLE 0 0 92,349
ISHARES TR EAFE GRWTH ETF 464288885 304 3,743 SH   SOLE 0 0 3,743
ISHARES TR MIN VOL USA ETF 46429B697 226 3,586 SH   SOLE 0 0 3,586
ISHARES TR CORE MSCI EAFE 46432F842 1,329 21,457 SH   SOLE 0 0 21,457
ISHARES TR HDG MSCI EAFE 46434V803 524 17,634 SH   SOLE 0 0 17,634
ISHARES TR IBONDS DEC2022 46435G755 1,699 65,166 SH   SOLE 0 0 65,166
ISHARES TR IBONDS DEC2021 46435G789 448 17,398 SH   SOLE 0 0 17,398
ISHARES TR IBONDS DEC 46435U697 245 9,365 SH   SOLE 0 0 9,365
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 445 4,378 SH   SOLE 0 0 4,378
QUALCOMM INC COM 747525103 260 3,391 SH   SOLE 0 0 3,391
SBA COMMUNICATIONS CORP NEW CL A 78410G104 463 1,992 SH   SOLE 0 0 1,992
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 317 4,422 SH   SOLE 0 0 4,422
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,158 58,227 SH   SOLE 0 0 58,227
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,377 28,024 SH   SOLE 0 0 28,024
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,561 44,949 SH   SOLE 0 0 44,949
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,369 18,937 SH   SOLE 0 0 18,937
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,829 69,296 SH   SOLE 0 0 69,296
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 409 12,977 SH   SOLE 0 0 12,977
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 345 12,327 SH   SOLE 0 0 12,327
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,464 76,310 SH   SOLE 0 0 76,310
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 247 4,678 SH   SOLE 0 0 4,678
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,733 38,066 SH   SOLE 0 0 38,066
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 704 13,966 SH   SOLE 0 0 13,966
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,708 51,911 SH   SOLE 0 0 51,911
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,469 68,557 SH   SOLE 0 0 68,557
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 2,032 51,229 SH   SOLE 0 0 51,229
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 2,854 94,119 SH   SOLE 0 0 94,119
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 4,686 157,406 SH   SOLE 0 0 157,406
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 4,629 75,887 SH   SOLE 0 0 75,887
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 3,784 95,874 SH   SOLE 0 0 95,874
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 4,501 146,712 SH   SOLE 0 0 146,712
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 2,611 82,230 SH   SOLE 0 0 82,230
SPDR SERIES TRUST DJ REIT ETF 78464A607 293 2,891 SH   SOLE 0 0 2,891
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 1,003 34,459 SH   SOLE 0 0 34,459
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 6,044 172,053 SH   SOLE 0 0 172,053
SPDR SERIES TRUST PORTFOLIO SH TSR 78468R101 629 21,034 SH   SOLE 0 0 21,034
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468R739 3,212 65,707 SH   SOLE 0 0 65,707
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853 1,666 53,824 SH   SOLE 0 0 53,824
TEVA PHARMACEUTICAL INDS LTD SPONSORED ADS 881624209 104 11,000 SH   SOLE 0 0 11,000
THERAPEUTICSMD INC COM 88338N107 61 22,178 SH   SOLE 0 0 22,178
UNITED PARCEL SERVICE INC CL B 911312106 1,179 11,509 SH   SOLE 0 0 11,509
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 577 9,071 SH   SOLE 0 0 9,071
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 359 4,476 SH   SOLE 0 0 4,476
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 209 763 SH   SOLE 0 0 763
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 10,967 122,373 SH   SOLE 0 0 122,373
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,260 32,295 SH   SOLE 0 0 32,295
VANGUARD INDEX FDS LARGE CAP ETF 922908637 3,723 27,154 SH   SOLE 0 0 27,154
VANGUARD INDEX FDS GROWTH ETF 922908736 3,627 21,744 SH   SOLE 0 0 21,744
VANGUARD INDEX FDS VALUE ETF 922908744 4,709 41,827 SH   SOLE 0 0 41,827
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,800 11,348 SH   SOLE 0 0 11,348
VANGUARD INDEX FDS TOTAL STK MKT 922908769 557 3,653 SH   SOLE 0 0 3,653
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 3,448 57,331 SH   SOLE 0 0 57,331
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,866 36,462 SH   SOLE 0 0 36,462
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 646 12,576 SH   SOLE 0 0 12,576
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,043 94,395 SH   SOLE 0 0 94,395
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,782 34,595 SH   SOLE 0 0 34,595
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 9,775 232,958 SH   SOLE 0 0 232,958
VERIZON COMMUNICATIONS INC COM 92343V104 321 5,507 SH   SOLE 0 0 5,507
WISDOMTREE TR INTL SMCAP DIV 97717W760 699 10,622 SH   SOLE 0 0 10,622