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 EMRG MKTEQ ETF 808524706 1,165 49,493 SH   SOLE   0 0 49,493
PFIZER INC COM 717081103 264 6,045 SH   SOLE   0 0 6,045
CHOICE HOTELS INTL INC COM 169905106 202 2,816 SH   SOLE   0 0 2,816
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 13,645 297,599 SH   SOLE   0 0 297,599
SPDR S&P 500 ETF TR TR UNIT 78462F103 319 1,275 SH   SOLE   0 0 1,275
AURORA CANNABIS INC COM 05156X108 78 15,750 SH   SOLE   0 0 15,750
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 10,790 118,052 SH   SOLE   0 0 118,052
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 520 16,403 SH   SOLE   0 0 16,403
RED HAT INC COM 756577102 275 1,565 SH   SOLE   0 0 1,565
INVESCO EXCHNG TRADED FD TR PFD ETF 46138E511 3,678 273,040 SH   SOLE   0 0 273,040
SPDR SERIES TRUST BLMBRG BRC CNVRT 78464A359 3,476 74,287 SH   SOLE   0 0 74,287
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 9,935 384,612 SH   SOLE   0 0 384,612
AT&T INC COM 00206R102 313 10,951 SH   SOLE   0 0 10,951
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 6,436 195,985 SH   SOLE   0 0 195,985
AMAZON COM INC COM 023135106 535 356 SH   SOLE   0 0 356
APPLE INC COM 037833100 871 5,519 SH   SOLE   0 0 5,519
PIMCO ETF TR INV GRD CRP BD 72201R817 4,747 47,924 SH   SOLE   0 0 47,924
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 3,111 58,752 SH   SOLE   0 0 58,752
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,092 17,998 SH   SOLE   0 0 17,998
VANGUARD INDEX FDS GROWTH ETF 922908736 258 1,922 SH   SOLE   0 0 1,922
INTEL CORP COM 458140100 328 6,991 SH   SOLE   0 0 6,991
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 20,981 414,718 SH   SOLE   0 0 414,718
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 1,063 18,692 SH   SOLE   0 0 18,692
ISHARES TR CORE MSCI TOTAL 46432F834 1,576 29,997 SH   SOLE   0 0 29,997
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 8,516 191,973 SH   SOLE   0 0 191,973
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 283 10,711 SH   SOLE   0 0 10,711
ISHARES INC CORE MSCI EMKT 46434G103 468 9,923 SH   SOLE   0 0 9,923
COLONY CR REAL ESTATE INC COM CL A 19625T101 313 19,832 SH   SOLE   0 0 19,832
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 233 1,139 SH   SOLE   0 0 1,139
ABBVIE INC COM 00287Y109 229 2,479 SH   SOLE   0 0 2,479
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 20,442 296,560 SH   SOLE   0 0 296,560
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 2,505 46,446 SH   SOLE   0 0 46,446
SPDR SER TR NUVEEN BRC MUNIC 78468R721 4,651 96,652 SH   SOLE   0 0 96,652
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 3,805 70,696 SH   SOLE   0 0 70,696
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 16,739 590,427 SH   SOLE   0 0 590,427
FS KKR CAPITAL CORP COM 302635107 71 13,615 SH   SOLE   0 0 13,615
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 29,480 867,573 SH   SOLE   0 0 867,573
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 2,314 13,035 SH   SOLE   0 0 13,035
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 910 19,380 SH   SOLE   0 0 19,380
ISHARES TR CORE US AGGBD ET 464287226 1,606 15,083 SH   SOLE   0 0 15,083
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,846 45,804 SH   SOLE   0 0 45,804
WISDOMTREE TR DYNAMIC LNG EQ 97717X313 5,677 195,944 SH   SOLE   0 0 195,944
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,233 41,928 SH   SOLE   0 0 41,928
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 2,687 152,067 SH   SOLE   0 0 152,067
TESLA INC COM 88160R101 316 950 SH   SOLE   0 0 950
WISDOMTREE TR CBOE S&P 500 97717X560 1,683 66,136 SH   SOLE   0 0 66,136
WISDOMTREE TR HEDGED HI YLD BD 97717W430 4,215 188,024 SH   SOLE   0 0 188,024
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 29,629 496,303 SH   SOLE   0 0 496,303
MARRIOTT INTL INC NEW CL A 571903202 480 4,417 SH   SOLE   0 0 4,417
CELGENE CORP COM 151020104 424 6,617 SH   SOLE   0 0 6,617
VERTEX PHARMACEUTICALS INC COM 92532F100 210 1,270 SH   SOLE   0 0 1,270
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 514 11,613 SH   SOLE   0 0 11,613
SPDR SERIES TRUST NUV HGHYLD MUN 78464A284 1,737 30,970 SH   SOLE   0 0 30,970
SPDR SER TR NUVEEN BLMBRG SR 78468R739 1,809 37,637 SH   SOLE   0 0 37,637
ALPHABET INC CAP STK CL C 02079K107 260 251 SH   SOLE   0 0 251
DBX ETF TR XTRACK MUN INFRA 233051705 1,368 52,078 SH   SOLE   0 0 52,078
ISHARES TR GLOBAL 100 ETF 464287572 235 5,535 SH   SOLE   0 0 5,535
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 261 2,635 SH   SOLE   0 0 2,635
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 355 7,415 SH   SOLE   0 0 7,415
INVESCO EXCHNG TRADED FD TR SR LN ETF 46138G508 580 26,644 SH   SOLE   0 0 26,644
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 206 2,065 SH   SOLE   0 0 2,065
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 5,716 163,138 SH   SOLE   0 0 163,138
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 7,826 268,927 SH   SOLE   0 0 268,927
JOHNSON & JOHNSON COM 478160104 695 5,384 SH   SOLE   0 0 5,384