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
APPLE INC COM 037833100 209 1,062 SH   SOLE   0 0 1,062
MCDONALDS CORP COM 580135101 439 2,114 SH   SOLE   0 0 2,114
PIMCO ETF TR INV GRD CRP BD 72201R817 11,255 104,735 SH   SOLE   0 0 104,735
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 19,461 233,547 SH   SOLE   0 0 233,547
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 15,236 271,587 SH   SOLE   0 0 271,587
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 11,667 204,404 SH   SOLE   0 0 204,404
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 11,367 158,941 SH   SOLE   0 0 158,941
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2,185 69,950 SH   SOLE   0 0 69,950
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 2,185 78,459 SH   SOLE   0 0 78,459
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 2,826 75,012 SH   SOLE   0 0 75,012
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,901 277,489 SH   SOLE   0 0 277,489
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 10,978 207,080 SH   SOLE   0 0 207,080
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 8,545 261,850 SH   SOLE   0 0 261,850
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 5,598 92,244 SH   SOLE   0 0 92,244
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 2,875 84,344 SH   SOLE   0 0 84,344
SPDR SERIES TRUST ICE BOFAML BHYB 78468R606 3,926 150,241 SH   SOLE   0 0 150,241
SPDR SERIES TRUST PRTFLO S&P500 HI 78468R788 3,752 98,566 SH   SOLE   0 0 98,566
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 202 750 SH   SOLE   0 0 750
VANGUARD INDEX FDS SML CP GRW ETF 922908595 244 1,311 SH   SOLE   0 0 1,311
VANGUARD INDEX FDS SM CP VAL ETF 922908611 22,037 168,769 SH   SOLE   0 0 168,769
VERIZON COMMUNICATIONS INC COM 92343V104 217 3,804 SH   SOLE   0 0 3,804
WISDOMTREE TR YIELD ENHANCD US 97717X511 3,959 77,307 SH   SOLE   0 0 77,307