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
AT&T INC COM 00206R102 357 12,255 SH   SOLE   0 0 12,255
FIDELITY LTD TRM BD ETF 316188200 1,175 23,581 SH   SOLE   0 0 23,581
FIDELITY COVINGTON TR MSCI RL EST ETF 316092857 1,084 52,139 SH   SOLE   0 0 52,139
FIDELITY COVINGTON TR QLTY FCTOR ETF 316092790 1,564 51,219 SH   SOLE   0 0 51,219
ISHARES TR CORE INTL AGGR 46435G672 2,670 48,827 SH   SOLE   0 0 48,827
ISHARES TR Intl Emerging Mkts 46434G103 2,552 631 SH   SOLE   0 0 631
ISHARES TR International 46432F834 307 6,537 SH   SOLE   0 0 6,537
ISHARES TR Large-Cap Core 464287150 849 14,838 SH   SOLE   0 0 14,838
ISHARES TR Intermediate Bond 46434V613 1,334 25,409 SH   SOLE   0 0 25,409
ISHARES TR CRE U S REIT ETF 464288521 2,790 71,237 SH   SOLE   0 0 71,237
ISHARES TR Inflation-Protected Bond 464287176 2,328 19,743 SH   SOLE   0 0 19,743
ISHARES TR Intermediate Government 46429B267 15,535 554,633 SH   SOLE   0 0 554,633
PROCTER & GAMBLE CO Large Core 742718109 239 2,173 SH   SOLE   0 0 2,173
SCHWAB STRATEGIC TR Diversified Emerging Mkts 808524706 739 35,735 SH   SOLE   0 0 35,735
SCHWAB STRATEGIC TR Intermediate Government 808524854 6,926 117,826 SH   SOLE   0 0 117,826
SCHWAB STRATEGIC TR Foreign Large Blend 808524805 1,337 51,753 SH   SOLE   0 0 51,753
SCHWAB STRATEGIC TR Ultrashort Bond 808524862 4,031 77,927 SH   SOLE   0 0 77,927
SCHWAB STRATEGIC TR Large Blend 808524102 3,992 66,060 SH   SOLE   0 0 66,060
SCHWAB STRATEGIC TR Real Estate 808524847 1,441 44,015 SH   SOLE   0 0 44,015
SCHWAB STRATEGIC TR Inflation-Protected Bond 808524870 1,703 29,615 SH   SOLE   0 0 29,615
SPDR SERIES TRUST Ultrashort Bond 78468R663 28,688 313,087 SH   SOLE   0 0 313,087
SPDR SERIES TRUST Intl Bond 78464A516 715 25,730 SH   SOLE   0 0 25,730
SPDR SERIES TRUST Diversified Emerging Mkts 78463X509 2,064 72,534 SH   SOLE   0 0 72,534
SPDR SERIES TRUST Foreign Large Blend 78463X889 2,959 123,617 SH   SOLE   0 0 123,617
SPDR SERIES TRUST Inflation-Protected Bond 78464A656 5,398 185,873 SH   SOLE   0 0 185,873
SPDR SERIES TRUST Large Blend 78464A805 5,570 177,091 SH   SOLE   0 0 177,091