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

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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
ISHARES TR SP SMCP600VL ETF 464287879 282 2,140 SH   SOLE   0 0 2,140
MCDONALDS CORP COM 580135101 371 2,089 SH   SOLE   0 0 2,089
PIMCO ETF TR INV GRD CRP BD 72201R817 10,391 104,993 SH   SOLE   0 0 104,993
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 11,667 195,518 SH   SOLE   0 0 195,518
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,853 70,401 SH   SOLE   0 0 70,401
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 13,166 266,835 SH   SOLE   0 0 266,835
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 9,663 201,538 SH   SOLE   0 0 201,538
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 9,307 153,263 SH   SOLE   0 0 153,263
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2,013 70,976 SH   SOLE   0 0 70,976
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 2,005 79,328 SH   SOLE   0 0 79,328
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 2,534 77,242 SH   SOLE   0 0 77,242
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,745 273,097 SH   SOLE   0 0 273,097
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 10,615 209,742 SH   SOLE   0 0 209,742
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 7,383 253,542 SH   SOLE   0 0 253,542
SPDR SER TR ICE BOFAML ETF 78468R606 3,436 139,165 SH   SOLE   0 0 139,165
SPDR SER TR PRTFLO S&P500 HI 78468R788 3,362 98,534 SH   SOLE   0 0 98,534
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 5,086 94,494 SH   SOLE   0 0 94,494
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 2,543 86,533 SH   SOLE   0 0 86,533
VANGUARD INDEX FDS SM CP VAL ETF 922908611 18,572 162,845 SH   SOLE   0 0 162,845
VANGUARD INDEX FDS GROWTH ETF 922908736 317 2,365 SH   SOLE   0 0 2,365
VERIZON COMMUNICATIONS INC COM 92343V104 209 3,723 SH   SOLE   0 0 3,723
WISDOMTREE TR YIELD ENHANCD US 97717X511 3,424 71,103 SH   SOLE   0 0 71,103