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
Expires: July 31, 2015
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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
ALTRIA GROUP INC COM 02209S103 970,931 16,177 SH SOLE 0 0 0 16,177
BOEING CO COM 097023105 283,302 1,661 SH SOLE 0 0 0 1,661
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 1,930,914 46,674 SH SOLE 0 0 0 46,674
EXXON MOBIL CORP COM 30231G102 582,609 4,899 SH SOLE 0 0 0 4,899
INTERNATIONAL TOWER HILL MIN COM 46050R102 6,320 10,000 SH SOLE 0 0 0 10,000
ISHARES TR MSCI EMG MKT ETF 464287234 729,615 16,696 SH SOLE 0 0 0 16,696
ISHARES TR 7-10 YR TRSY BD 464287440 925,566 9,705 SH SOLE 0 0 0 9,705
ISHARES TR 3 7 YR TREAS BD 464288661 886,012 7,500 SH SOLE 0 0 0 7,500
ISHARES TR CORE 60/40 BALAN 464289867 6,854,745 119,068 SH SOLE 0 0 0 119,068
ISHARES TR 0-3 MNTH TREASRY 46436E718 4,963,232 49,302 SH SOLE 0 0 0 49,302
PHILIP MORRIS INTL INC COM 718172109 1,347,473 8,489 SH SOLE 0 0 0 8,489
REKOR SYSTEMS INC COM 759419104 8,867 10,000 SH SOLE 0 0 0 10,000
SPDR GOLD TR GOLD SHS 78463V107 220,715 766 SH SOLE 0 0 0 766
SSGA ACTIVE ETF TR GLOBL ALLO ETF 78467V400 8,723,098 194,616 SH SOLE 0 0 0 194,616
SPDR SER TR BLOOMBERG 3-12 M 78468R523 942,668 9,475 SH SOLE 0 0 0 9,475
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 2,764,301 30,135 SH SOLE 0 0 0 30,135
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 21,619,048 1,004,136 SH SOLE 0 0 0 1,004,136
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,990,736 135,450 SH SOLE 0 0 0 135,450
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 425,279 16,984 SH SOLE 0 0 0 16,984
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 318,960 12,000 SH SOLE 0 0 0 12,000
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 981,764 41,902 SH SOLE 0 0 0 41,902
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 904,584 25,030 SH SOLE 0 0 0 25,030
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 546,713 23,156 SH SOLE 0 0 0 23,156
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,031,305 179,947 SH SOLE 0 0 0 179,947
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,218,936 213,293 SH SOLE 0 0 0 213,293
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 22,200,250 958,560 SH SOLE 0 0 0 958,560
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 875,122 35,202 SH SOLE 0 0 0 35,202
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 8,798,740 361,493 SH SOLE 0 0 0 361,493
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 305,125 6,250 SH SOLE 0 0 0 6,250
VISA INC COM CL A 92826C839 236,560 675 SH SOLE 0 0 0 675