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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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
APPLE INC COM 037833100 974 4,923 SH   SOLE   0 0 4,923
BANK AMER CORP COM 060505104 292 10,059 SH   SOLE   0 0 10,059
DBX ETF TR XTRACK MSCI EAFE 233051200 5,811 183,846 SH   SOLE   0 0 183,846
HOME DEPOT INC COM 437076102 302 1,452 SH   SOLE   0 0 1,452
ISHARES TR S&P 500 GRWT ETF 464287309 509 2,841 SH   SOLE   0 0 2,841
ISHARES TR BARCLAYS 7 10 YR 464287440 13,190 119,892 SH   SOLE   0 0 119,892
ISHARES TR US HLTHCARE ETF 464287762 395 2,024 SH   SOLE   0 0 2,024
ISHARES TR NATIONAL MUN ETF 464288414 725 6,408 SH   SOLE   0 0 6,408
ISHARES TR INTRM TR CRP ETF 464288638 9,185 161,286 SH   SOLE   0 0 161,286
ISHARES TR PFD AND INCM SEC 464288687 1,153 31,295 SH   SOLE   0 0 31,295
MCDONALDS CORP COM 580135101 7,268 35,001 SH   SOLE   0 0 35,001
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,847 34,213 SH   SOLE   0 0 34,213
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 11,806 210,291 SH   SOLE   0 0 210,291
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 12,896 225,885 SH   SOLE   0 0 225,885
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 12,070 168,862 SH   SOLE   0 0 168,862
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 11,704 446,030 SH   SOLE   0 0 446,030
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 781 25,026 SH   SOLE   0 0 25,026
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 372 7,012 SH   SOLE   0 0 7,012
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,194 68,371 SH   SOLE   0 0 68,371
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,041 20,581 SH   SOLE   0 0 20,581
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 3,935 120,564 SH   SOLE   0 0 120,564
INVESCO QQQ TR UNIT SER 1 46090E103 978 5,239 SH   SOLE   0 0 5,239
BEYOND MEAT INC COM 08862E109 228 1,420 SH   SOLE   0 0 1,420
INVESCO EXCHNG TRADED FD TR S&P INTL LOW 46138E230 1,477 43,633 SH   SOLE   0 0 43,633
INVESCO EXCHNG TRADED FD TR S&P EMRNG MKTS 46138E297 5,246 215,108 SH   SOLE   0 0 215,108