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
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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
ISHARES TR CORE US AGGBD ET 464287226 25,625 230,131 SH   SOLE   230,131 0 0
ISHARES TR CORE S&P SCP ETF 464287804 12,048 153,904 SH   SOLE   153,904 0 0
ISHARES TR MRNGSTR LG-CP VL 464288109 34,125 316,190 SH   SOLE   316,190 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 16,576 85,448 SH   SOLE   85,448 0 0
ISHARES TR MRGSTR MD CP GRW 464288307 14,477 57,557 SH   SOLE   57,557 0 0
ISHARES TR MRGSTR MD CP VAL 464288406 17,699 112,428 SH   SOLE   112,428 0 0
ISHARES TR MRGSTR SM CP GR 464288604 5,022 24,661 SH   SOLE   24,661 0 0
ISHARES TR MRNING SM CP ETF 464288703 7,104 51,831 SH   SOLE   51,831 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 1,044 20,720 SH   SOLE   20,720 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 5,977 44,869 SH   SOLE   44,869 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 30,800 438,815 SH   SOLE   438,815 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 7,216 100,949 SH   SOLE   100,949 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 64,914 2,022,866 SH   SOLE   2,022,866 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 14,747 278,245 SH   SOLE   278,245 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 9,450 212,643 SH   SOLE   212,643 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 7,986 141,824 SH   SOLE   141,824 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 90 1,537 SH   SOLE   1,537 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 92 1,449 SH   SOLE   1,449 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 14,811 183,913 SH   SOLE   183,913 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 32,685 783,614 SH   SOLE   783,614 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4,738 82,681 SH   SOLE   82,681 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 47,658 1,120,566 SH   SOLE   1,120,566 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 307 2,312 SH   SOLE   2,312 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 23,269 86,454 SH   SOLE   86,454 0 0