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
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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
DISNEY WALT CO COM 254687106 426 3,104 SH   SOLE   0 0 3,104
SCHWAB STRATEGIC TR US REIT ETF 808524847 430 17,294 SH   SOLE   0 0 17,294
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1,285 14,580 SH   SOLE   0 0 14,580
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,054 145,975 SH   SOLE   0 0 145,975
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 4,897 96,694 SH   SOLE   0 0 96,694
PFIZER INC COM 717081103 248 4,792 SH   SOLE   0 0 4,792
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,229 7,149 SH   SOLE   0 0 7,149
ISHARES TR MSCI USA MULTIFT 46434V282 781 17,559 SH   SOLE   0 0 17,559
PIMCO ETF TR ACTIVE BD ETF 72201R775 917 9,008 SH   SOLE   0 0 9,008
MASTERCARD INCORPORATED CL A 57636Q104 487 1,363 SH   SOLE   0 0 1,363
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 1,823 26,510 SH   SOLE   0 0 26,510
PEPSICO INC COM 713448108 423 2,530 SH   SOLE   0 0 2,530
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 7,427 154,638 SH   SOLE   0 0 154,638
BLACKSTONE INC COM 09260D107 270 2,124 SH   SOLE   0 0 2,124
BK OF AMERICA CORP COM 060505104 231 5,609 SH   SOLE   0 0 5,609
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,126 14,730 SH   SOLE   0 0 14,730
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 38,240 429,473 SH   SOLE   0 0 429,473
COSTCO WHSL CORP NEW COM 22160K105 389 675 SH   SOLE   0 0 675
NEXTERA ENERGY INC COM 65339F101 232 2,744 SH   SOLE   0 0 2,744
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 3,364 44,333 SH   SOLE   0 0 44,333
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619 2,973 62,461 SH   SOLE   0 0 62,461
VANGUARD WORLD FDS UTILITIES ETF 92204A876 2,301 14,223 SH   SOLE   0 0 14,223
CATERPILLAR INC COM 149123101 222 995 SH   SOLE   0 0 995
PALO ALTO NETWORKS INC COM 697435105 240 385 SH   SOLE   0 0 385
TARGET CORP COM 87612E106 478 2,251 SH   SOLE   0 0 2,251
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,070 36,977 SH   SOLE   0 0 36,977
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 14,857 277,906 SH   SOLE   0 0 277,906
AMAZON COM INC COM 023135106 1,669 512 SH   SOLE   0 0 512
APPLE INC COM 037833100 14,650 83,904 SH   SOLE   0 0 83,904
ISHARES INC MSCI EMERG MKT 46434G889 6,971 144,058 SH   SOLE   0 0 144,058
NOVO-NORDISK A S ADR 670100205 230 2,068 SH   SOLE   0 0 2,068
LOWES COS INC COM 548661107 231 1,143 SH   SOLE   0 0 1,143
ORACLE CORP COM 68389X105 1,345 16,258 SH   SOLE   0 0 16,258
TEXAS INSTRS INC COM 882508104 385 2,099 SH   SOLE   0 0 2,099
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,235 28,694 SH   SOLE   0 0 28,694
PROCTER AND GAMBLE CO COM 742718109 401 2,622 SH   SOLE   0 0 2,622
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 3,446 17,719 SH   SOLE   0 0 17,719
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,263 26,672 SH   SOLE   0 0 26,672
PHILIP MORRIS INTL INC COM 718172109 208 2,218 SH   SOLE   0 0 2,218
ISHARES TR MSCI INTL MULTFT 46434V274 23,201 838,501 SH   SOLE   0 0 838,501
WALMART INC COM 931142103 713 4,787 SH   SOLE   0 0 4,787
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 4,589 23,426 SH   SOLE   0 0 23,426
LIBERTY MEDIA CORP DEL DEB 4.000%11/1 530715AG6 31 50,000 PRN   SOLE   0 0 50,000
INTEL CORP COM 458140100 583 11,766 SH   SOLE   0 0 11,766
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 39,245 1,217,288 SH   SOLE   0 0 1,217,288
ISHARES TR MSCI KLD400 SOC 464288570 467 5,396 SH   SOLE   0 0 5,396
NIKE INC CL B 654106103 209 1,557 SH   SOLE   0 0 1,557
FLEXSHARES TR M STAR DEV MKT 33939L803 260 3,816 SH   SOLE   0 0 3,816
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 5,695 127,195 SH   SOLE   0 0 127,195
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 3,275 70,985 SH   SOLE   0 0 70,985
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 5,086 49,385 SH   SOLE   0 0 49,385
ISHARES TR U.S. FINLS ETF 464287788 1,400 16,565 SH   SOLE   0 0 16,565
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 582 16,881 SH   SOLE   0 0 16,881
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 3,073 53,207 SH   SOLE   0 0 53,207
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 110,690 2,073,237 SH   SOLE   0 0 2,073,237
VANGUARD WORLD FDS ENERGY ETF 92204A306 2,876 26,867 SH   SOLE   0 0 26,867
JPMORGAN CHASE & CO COM 46625H100 619 4,541 SH   SOLE   0 0 4,541
T-MOBILE US INC COM 872590104 299 2,327 SH   SOLE   0 0 2,327
ISHARES INC CORE MSCI EMKT 46434G103 1,359 24,461 SH   SOLE   0 0 24,461
VANGUARD INDEX FDS VALUE ETF 922908744 478 3,235 SH   SOLE   0 0 3,235
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 20,602 357,728 SH   SOLE   0 0 357,728
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 4,475 14,661 SH   SOLE   0 0 14,661
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,727 62,388 SH   SOLE   0 0 62,388
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 5,261 56,328 SH   SOLE   0 0 56,328
VISA INC COM CL A 92826C839 343 1,546 SH   SOLE   0 0 1,546
VANGUARD INDEX FDS MID CAP ETF 922908629 2,542 10,686 SH   SOLE   0 0 10,686
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,273 20,976 SH   SOLE   0 0 20,976
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 60,483 1,647,141 SH   SOLE   0 0 1,647,141
EOG RES INC COM 26875P101 413 3,462 SH   SOLE   0 0 3,462
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 43,441 742,582 SH   SOLE   0 0 742,582
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 35,355 564,958 SH   SOLE   0 0 564,958
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 15,607 98,200 SH   SOLE   0 0 98,200
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 8,136 31,984 SH   SOLE   0 0 31,984
VANGUARD INDEX FDS SMALL CP ETF 922908751 301 1,417 SH   SOLE   0 0 1,417
SALESFORCE COM INC COM 79466L302 244 1,150 SH   SOLE   0 0 1,150
VANGUARD WORLD FDS MATERIALS ETF 92204A801 1,375 7,087 SH   SOLE   0 0 7,087
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 6,970 38,155 SH   SOLE   0 0 38,155
HOME DEPOT INC COM 437076102 874 2,919 SH   SOLE   0 0 2,919
ISHARES GOLD TR ISHARES NEW 464285204 372 10,088 SH   SOLE   0 0 10,088
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 350 2,822 SH   SOLE   0 0 2,822
ASML HOLDING N V N Y REGISTRY SHS N07059210 443 663 SH   SOLE   0 0 663
NETFLIX INC COM 64110L106 791 2,111 SH   SOLE   0 0 2,111
TESLA INC COM 88160R101 1,688 1,566 SH   SOLE   0 0 1,566
AMGEN INC COM 031162100 316 1,307 SH   SOLE   0 0 1,307
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,441 19,347 SH   SOLE   0 0 19,347
INVESCO QQQ TR UNIT SER 1 46090E103 844 2,328 SH   SOLE   0 0 2,328
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,453 69,826 SH   SOLE   0 0 69,826
UNITEDHEALTH GROUP INC COM 91324P102 367 720 SH   SOLE   0 0 720
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,397 3,365 SH   SOLE   0 0 3,365
SCHWAB STRATEGIC TR US TIPS ETF 808524870 884 14,564 SH   SOLE   0 0 14,564
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 905 18,734 SH   SOLE   0 0 18,734
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 37,562 1,147,618 SH   SOLE   0 0 1,147,618
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 38,131 223,170 SH   SOLE   0 0 223,170
ISHARES TR RUS 1000 ETF 464287622 946 3,784 SH   SOLE   0 0 3,784
MERCK & CO INC COM 58933Y105 322 3,927 SH   SOLE   0 0 3,927
RAYTHEON TECHNOLOGIES CORP COM 75513E101 264 2,668 SH   SOLE   0 0 2,668
ISHARES TR RUS MID CAP ETF 464287499 221 2,836 SH   SOLE   0 0 2,836
VANGUARD WORLD FDS INF TECH ETF 92204A702 13,080 31,406 SH   SOLE   0 0 31,406
MICROSOFT CORP COM 594918104 3,053 9,902 SH   SOLE   0 0 9,902
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,065 19,785 SH   SOLE   0 0 19,785
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 8,077 67,276 SH   SOLE   0 0 67,276
ADOBE SYSTEMS INCORPORATED COM 00724F101 207 455 SH   SOLE   0 0 455
META PLATFORMS INC CL A 30303M102 275 1,237 SH   SOLE   0 0 1,237
ALPHABET INC CAP STK CL A 02079K305 990 356 SH   SOLE   0 0 356
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 296 14,239 SH   SOLE   0 0 14,239
SPDR SER TR NUVEEN BLMBRG MU 78468R721 942 19,672 SH   SOLE   0 0 19,672
MCCORMICK & CO INC COM NON VTG 579780206 225 2,256 SH   SOLE   0 0 2,256
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 8,044 58,718 SH   SOLE   0 0 58,718
HONEYWELL INTL INC COM 438516106 209 1,073 SH   SOLE   0 0 1,073
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 9,990 291,437 SH   SOLE   0 0 291,437
ALPHABET INC CAP STK CL C 02079K107 1,028 368 SH   SOLE   0 0 368
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 16,319 353,752 SH   SOLE   0 0 353,752
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 1,136 22,592 SH   SOLE   0 0 22,592
ISHARES TR CORE S&P500 ETF 464287200 463 1,020 SH   SOLE   0 0 1,020
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,226 14,248 SH   SOLE   0 0 14,248
PAYPAL HLDGS INC COM 70450Y103 332 2,873 SH   SOLE   0 0 2,873
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 5,840 31,568 SH   SOLE   0 0 31,568
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 6,713 198,149 SH   SOLE   0 0 198,149
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 5,165 134,783 SH   SOLE   0 0 134,783
SPDR SER TR PORTFOLI S&P1500 78464A805 7,413 133,368 SH   SOLE   0 0 133,368
JOHNSON & JOHNSON COM 478160104 232 1,310 SH   SOLE   0 0 1,310
THERMO FISHER SCIENTIFIC INC COM 883556102 224 380 SH   SOLE   0 0 380