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
SCHWAB STRATEGIC TR US REIT ETF 808524847 6,155 329,335 SH   SOLE   0 0 329,335
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 8,380 324,798 SH   SOLE   0 0 324,798
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 13,001 309,614 SH   SOLE   0 0 309,614
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 11,221 296,841 SH   SOLE   0 0 296,841
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,783 213,548 SH   SOLE   0 0 213,548
SPDR SER TR PORTFLI HIGH YLD 78468R606 4,610 211,292 SH   SOLE   0 0 211,292
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,071 166,364 SH   SOLE   0 0 166,364
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 4,327 155,945 SH   SOLE   0 0 155,945
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,302 117,381 SH   SOLE   0 0 117,381
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853 3,373 99,018 SH   SOLE   0 0 99,018
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 2,874 75,326 SH   SOLE   0 0 75,326
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 2,756 57,738 SH   SOLE   0 0 57,738
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 5,220 56,243 SH   SOLE   0 0 56,243
SPDR SER TR PORTFOLI S&P1500 78464A805 1,604 36,366 SH   SOLE   0 0 36,366
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,179 32,416 SH   SOLE   0 0 32,416
ISHARES INC CORE MSCI EMKT 46434G103 1,242 28,895 SH   SOLE   0 0 28,895
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,388 26,796 SH   SOLE   0 0 26,796
ISHARES INC JP MORGAN EM ETF 464286517 768 23,762 SH   SOLE   0 0 23,762
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 721 23,232 SH   SOLE   0 0 23,232
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 2,889 22,727 SH   SOLE   0 0 22,727
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,348 22,264 SH   SOLE   0 0 22,264
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,454 20,381 SH   SOLE   0 0 20,381
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,166 17,640 SH   SOLE   0 0 17,640
DBX ETF TR XTRACK INTL REAL 233051846 296 15,214 SH   SOLE   0 0 15,214
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 833 14,499 SH   SOLE   0 0 14,499
ISHARES TR CORE MSCI INTL 46435G326 469 9,701 SH   SOLE   0 0 9,701
SPDR SER TR PORTFOLIO AGRGTE 78464A649 214 8,557 SH   SOLE   0 0 8,557
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 662 8,259 SH   SOLE   0 0 8,259
SPDR SER TR NUVEEN BBG BRCLY 78464A284 325 6,784 SH   SOLE   0 0 6,784
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 304 6,084 SH   SOLE   0 0 6,084
SPDR SER TR PORTFOLIO S&P400 78464A847 221 5,735 SH   SOLE   0 0 5,735
ISHARES TR CORE S&P SCP ETF 464287804 479 5,489 SH   SOLE   0 0 5,489
ISHARES TR CORE S&P500 ETF 464287200 412 1,149 SH   SOLE   0 0 1,149