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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SCHWAB STRATEGIC TR US REIT ETF 808524847   6,270,077 353,244 SH   SOLE   0 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   10,427,284 336,256 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   13,087,109 315,961 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   15,696,001 314,865 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   9,780,660 249,443 SH   SOLE   0 0 0
SPDR SER TR PORTFLI HIGH YLD 78468R606   5,054,007 225,424 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   4,886,518 151,520 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,304,400 138,028 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,741,205 110,165 SH   SOLE   0 0 0
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853   3,564,384 96,596 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   3,592,276 92,275 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   6,628,966 62,420 SH   SOLE   0 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407   2,746,051 57,413 SH   SOLE   0 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858   1,703,007 38,953 SH   SOLE   0 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805   1,884,227 35,897 SH   SOLE   0 0 0
ISHARES INC CORE MSCI EMKT 46434G103   1,367,237 28,729 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,694,374 25,035 SH   SOLE   0 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   3,097,487 21,611 SH   SOLE   0 0 0
ISHARES INC JP MORGAN EM ETF 464286517   743,918 21,359 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,042,404 20,646 SH   SOLE   0 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835   1,380,211 19,779 SH   SOLE   0 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885   847,781 14,330 SH   SOLE   0 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,047,638 13,847 SH   SOLE   0 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,910,752 13,703 SH   SOLE   0 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   349,666 10,416 SH   SOLE   0 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847   248,981 5,686 SH   SOLE   0 0 0
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409   272,607 5,555 SH   SOLE   0 0 0
ISHARES TR CORE S&P SCP ETF 464287804   510,217 5,409 SH   SOLE   0 0 0
ISHARES TR CORE S&P500 ETF 464287200   493,209 1,149 SH   SOLE   0 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   203,077 975 SH   SOLE   0 0 0