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 MBS ETF 464288588 4,979 46,075 SH   SOLE 0 0 0 46,075
ISHARES TR RUS 1000 GRW ETF 464287614 2,360 13,415 SH   SOLE 0 0 0 13,415
CISCO SYS INC COM 17275R102 219 4,564 SH   SOLE 0 0 0 4,564
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,282 91,196 SH   SOLE 0 0 0 91,196
INVESCO EXCHNG TRADED FD TR S&P MIDCP LOW 46138E198 13,530 251,434 SH   SOLE 0 0 0 251,434
ISHARES TR RUS MD CP GR ETF 464287481 576 3,772 SH   SOLE 0 0 0 3,772
MICROSOFT CORP COM 594918104 1,192 7,559 SH   SOLE 0 0 0 7,559
ISHARES TR USA SIZE FACTOR 46432F370 3,920 40,238 SH   SOLE 0 0 0 40,238
ISHARES TR US TREAS BD ETF 46429B267 13,921 536,662 SH   SOLE 0 0 0 536,662
EXXON MOBIL CORP COM 30231G102 379 5,427 SH   SOLE 0 0 0 5,427
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 794 8,659 SH   SOLE 0 0 0 8,659
ANALOG DEVICES INC COM 032654105 774 6,513 SH   SOLE 0 0 0 6,513
ISHARES TR CORE S&P500 ETF 464287200 22,137 68,484 SH   SOLE 0 0 0 68,484
VANGUARD INDEX FDS TOTAL STK MKT 922908769 425 2,600 SH   SOLE 0 0 0 2,600
ISHARES TR USA QUALITY FCTR 46432F339 5,994 59,351 SH   SOLE 0 0 0 59,351
HOME DEPOT INC COM 437076102 456 2,087 SH   SOLE 0 0 0 2,087
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 580 6,193 SH   SOLE 0 0 0 6,193
UNITED TECHNOLOGIES CORP COM 913017109 276 1,840 SH   SOLE 0 0 0 1,840
ISHARES TR IBOXX HI YD ETF 464288513 248 2,824 SH   SOLE 0 0 0 2,824
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 890 3,931 SH   SOLE 0 0 0 3,931
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 295 8,456 SH   SOLE 0 0 0 8,456
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 8,982 149,332 SH   SOLE 0 0 0 149,332
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2,050 61,667 SH   SOLE 0 0 0 61,667
ISHARES TR CORE S&P TTL STK 464287150 3,475 47,804 SH   SOLE 0 0 0 47,804
ISHARES TR SELECT DIVID ETF 464287168 591 5,590 SH   SOLE 0 0 0 5,590
ISHARES TR MIN VOL EAFE ETF 46429B689 10,494 140,790 SH   SOLE 0 0 0 140,790
ISHARES TR CORE US AGGBD ET 464287226 7,662 68,185 SH   SOLE 0 0 0 68,185
CHEVRON CORP NEW COM 166764100 279 2,312 SH   SOLE 0 0 0 2,312
ISHARES TR INTRM TR CRP ETF 464288638 4,555 78,566 SH   SOLE 0 0 0 78,566
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 532 20,655 SH   SOLE 0 0 0 20,655
INVESCO QQQ TR UNIT SER 1 46090E103 342 1,607 SH   SOLE 0 0 0 1,607
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,889 64,633 SH   SOLE 0 0 0 64,633
ISHARES TR 20 YR TR BD ETF 464287432 1,577 11,641 SH   SOLE 0 0 0 11,641
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 3,424 29,587 SH   SOLE 0 0 0 29,587
PIMCO ETF TR INV GRD CRP BD 72201R817 1,286 11,699 SH   SOLE 0 0 0 11,699
ISHARES TR GLOBAL TECH ETF 464287291 7,462 35,451 SH   SOLE 0 0 0 35,451
APPLIED INDL TECHNOLOGIES IN COM 03820C105 285 4,274 SH   SOLE 0 0 0 4,274
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 546 15,026 SH   SOLE 0 0 0 15,026
READY CAP CORP COM 75574U101 238 15,460 SH   SOLE 0 0 0 15,460
PROCTER & GAMBLE CO COM 742718109 218 1,744 SH   SOLE 0 0 0 1,744
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,187 65,026 SH   SOLE 0 0 0 65,026
DELL TECHNOLOGIES INC CL C 24703L202 212 4,129 SH   SOLE 0 0 0 4,129
JOHNSON & JOHNSON COM 478160104 610 4,184 SH   SOLE 0 0 0 4,184
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,273 13,701 SH   SOLE 0 0 0 13,701
ISHARES INC CORE MSCI EMKT 46434G103 7,710 143,415 SH   SOLE 0 0 0 143,415
ISHARES TR RUSSELL 2000 ETF 464287655 2,442 14,738 SH   SOLE 0 0 0 14,738
ISHARES TR MSCI MIN VOL ETF 46429B697 46,095 702,667 SH   SOLE 0 0 0 702,667
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,461 19,004 SH   SOLE 0 0 0 19,004
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 227 3,772 SH   SOLE 0 0 0 3,772
ISHARES TR RUS 1000 VAL ETF 464287598 1,706 12,497 SH   SOLE 0 0 0 12,497
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 11,323 147,418 SH   SOLE 0 0 0 147,418
THERMO FISHER SCIENTIFIC INC COM 883556102 202 623 SH   SOLE 0 0 0 623
ADOBE INC COM 00724F101 264 800 SH   SOLE 0 0 0 800
ABBOTT LABS COM 002824100 207 2,385 SH   SOLE 0 0 0 2,385
ISHARES TR COHEN STEER REIT 464287564 765 6,543 SH   SOLE 0 0 0 6,543
ISHARES TR RUS 1000 ETF 464287622 1,572 8,812 SH   SOLE 0 0 0 8,812
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,210 3,758 SH   SOLE 0 0 0 3,758
WELLS FARGO CO NEW COM 949746101 355 6,592 SH   SOLE 0 0 0 6,592
APPLE INC COM 037833100 485 1,652 SH   SOLE 0 0 0 1,652
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 5,925 114,999 SH   SOLE 0 0 0 114,999
ISHARES TR CORE S&P MCP ETF 464287507 1,988 9,659 SH   SOLE 0 0 0 9,659
ISHARES US ETF TR SHT MAT BD ETF 46431W507 1,865 37,106 SH   SOLE 0 0 0 37,106
XCEL ENERGY INC COM 98389B100 201 3,165 SH   SOLE 0 0 0 3,165
ISHARES TR CORE MSCI EAFE 46432F842 7,993 122,519 SH   SOLE 0 0 0 122,519