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
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 INTL EQTY ETF 808524805 11,996,998 542,851 SH SOLE 0 0 542,851
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 9,679,265 345,072 SH SOLE 0 0 345,072
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 24,155,237 328,063 SH SOLE 0 0 328,063
VANGUARD INDEX FDS GROWTH ETF 922908736 8,665,272 19,765 SH SOLE 0 0 19,765
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,548,454 6,534 SH SOLE 0 0 6,534
VANGUARD INDEX FDS VALUE ETF 922908744 17,895,894 101,255 SH SOLE 0 0 101,255
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,040,112 21,030 SH SOLE 0 0 21,030
ABRDN NATL MUN INCOME FD SH BEN INT 24610T108 312,823 32,383 SH SOLE 0 0 32,383
ALPHABET INC CAP STK CL A 02079K305 212,658 1,207 SH SOLE 0 0 1,207
ALPHABET INC CAP STK CL C 02079K107 222,749 1,256 SH SOLE 0 0 1,256
APPLE INC COM 037833100 786,723 3,834 SH SOLE 0 0 3,834
ASBURY AUTOMOTIVE GROUP INC COM 043436104 1,661,432 6,965 SH SOLE 0 0 6,965
BANK AMERICA CORP COM 060505104 227,515 4,808 SH SOLE 0 0 4,808
CITIGROUP INC COM NEW 172967424 420,203 4,937 SH SOLE 0 0 4,937
COCA COLA CO COM 191216100 205,065 2,898 SH SOLE 0 0 2,898
EURONET WORLDWIDE INC NOTE 0.750% 3/1 298736AL3 12,602 14,000 PRN SOLE 0 0 14,000
EXPEDIA GROUP INC NOTE 2/1 30212PBE4 9,682 10,000 PRN SOLE 0 0 10,000
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 214,657 797 SH SOLE 0 0 797
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595 540,285 22,298 SH SOLE 0 0 22,298
GLOBAL X FDS GENOMIC BIOTECH 37954Y434 418,368 49,628 SH SOLE 0 0 49,628
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 299,397 2,989 SH SOLE 0 0 2,989
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 2,067,240 9,103 SH SOLE 0 0 9,103
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 386,694 9,148 SH SOLE 0 0 9,148
INVESCO EXCHANGE TRADED FD T RAFI US 1500 46137V597 235,707 5,796 SH SOLE 0 0 5,796
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 24,824,106 136,591 SH SOLE 0 0 136,591
INVESCO QQQ TR UNIT SER 1 46090E103 6,170,904 11,186 SH SOLE 0 0 11,186
ISHARES INC MSCI EMRG CHN 46434G764 876,586 13,883 SH SOLE 0 0 13,883
ISHARES TR 0-3 MNTH TREASRY 46436E718 227,017 2,255 SH SOLE 0 0 2,255
ISHARES TR CORE 40/60 MODER 464289875 248,077 5,388 SH SOLE 0 0 5,388
ISHARES TR CORE 80/20 AGGRE 464289859 218,306 2,618 SH SOLE 0 0 2,618
ISHARES TR CORE DIV GRWTH 46434V621 1,619,178 25,323 SH SOLE 0 0 25,323
ISHARES TR CORE MSCI TOTAL 46432F834 4,455,332 57,629 SH SOLE 0 0 57,629
ISHARES TR CORE S&P500 ETF 464287200 1,253,473 2,019 SH SOLE 0 0 2,019
ISHARES TR IBDS DEC28 ETF 46435U515 3,249,331 127,826 SH SOLE 0 0 127,826
ISHARES TR IBONDS 2026 TERM 46436E528 1,615,325 69,536 SH SOLE 0 0 69,536
ISHARES TR IBONDS 2027 TERM 46436E478 1,561,671 69,284 SH SOLE 0 0 69,284
ISHARES TR IBONDS 27 ETF 46435UAA9 4,498,580 185,356 SH SOLE 0 0 185,356
ISHARES TR IBONDS 28 TR HI 46436E387 1,307,106 55,082 SH SOLE 0 0 55,082
ISHARES TR IBONDS DEC 2030 46436E726 511,755 23,283 SH SOLE 0 0 23,283
ISHARES TR IBONDS DEC 27 46435U283 255,689 10,086 SH SOLE 0 0 10,086
ISHARES TR IBONDS DEC 29 46436E205 745,143 31,939 SH SOLE 0 0 31,939
ISHARES TR IBONDS DEC2026 46435GAA0 4,021,249 165,825 SH SOLE 0 0 165,825
ISHARES TR IBONDS DEC25 ETF 46434VBD1 209,588 8,324 SH SOLE 0 0 8,324
ISHARES TR MSCI EAFE ETF 464287465 515,428 5,766 SH SOLE 0 0 5,766
ISHARES TR MSCI EMG MKT ETF 464287234 444,469 9,214 SH SOLE 0 0 9,214
ISHARES TR MSCI USA QLT FCT 46432F339 401,037 2,194 SH SOLE 0 0 2,194
ISHARES TR RUS 1000 ETF 464287622 1,627,660 4,793 SH SOLE 0 0 4,793
ISHARES TR RUS 1000 GRW ETF 464287614 942,165 2,219 SH SOLE 0 0 2,219
ISHARES TR RUSSELL 2000 ETF 464287655 1,019,572 4,725 SH SOLE 0 0 4,725
ISHARES TR RUSSELL 3000 ETF 464287689 720,349 2,052 SH SOLE 0 0 2,052
ISHARES TR S&P MC 400GR ETF 464287606 211,816 2,328 SH SOLE 0 0 2,328
JPMORGAN CHASE & CO. COM 46625H100 225,840 779 SH SOLE 0 0 779
MICROSOFT CORP COM 594918104 1,656,699 3,331 SH SOLE 0 0 3,331
NETFLIX INC COM 64110L106 531,635 397 SH SOLE 0 0 397
NEWELL BRANDS INC COM 651229106 421,530 78,061 SH SOLE 0 0 78,061
NUVEEN MUN VALUE FD INC COM 670928100 113,827 13,099 SH SOLE 0 0 13,099
NUVEEN SELECT MAT MUN FD SH BEN INT 67061T101 109,436 12,079 SH SOLE 0 0 12,079
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100 216,223 15,390 SH SOLE 0 0 15,390
PFIZER INC COM 717081103 373,931 15,426 SH SOLE 0 0 15,426
PROCTER AND GAMBLE CO COM 742718109 215,879 1,355 SH SOLE 0 0 1,355
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 1,611,836 64,967 SH SOLE 0 0 64,967
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,556,050 151,163 SH SOLE 0 0 151,163
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 449,731 18,447 SH SOLE 0 0 18,447
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,133,621 91,808 SH SOLE 0 0 91,808
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 573,298 24,058 SH SOLE 0 0 24,058
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 485,285 18,313 SH SOLE 0 0 18,313
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,533,587 86,737 SH SOLE 0 0 86,737
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 9,827,021 388,420 SH SOLE 0 0 388,420
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 290,298 3,555 SH SOLE 0 0 3,555
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 243,861 963 SH SOLE 0 0 963
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,324,735 8,618 SH SOLE 0 0 8,618
SPDR SERIES TRUST BLOOMBERG 3-12 M 78468R523 991,121 9,968 SH SOLE 0 0 9,968
SPDR SERIES TRUST PORTFOLI S&P1500 78464A805 418,634 5,590 SH SOLE 0 0 5,590
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 3,727,504 39,105 SH SOLE 0 0 39,105
TANGER INC COM 875465106 2,963,936 96,924 SH SOLE 0 0 96,924
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 566,130 3,000 SH SOLE 0 0 3,000
VANGUARD INDEX FDS MID CAP ETF 922908629 658,645 2,354 SH SOLE 0 0 2,354
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,390,903 2,449 SH SOLE 0 0 2,449
VANGUARD INDEX FDS SM CP VAL ETF 922908611 735,925 3,774 SH SOLE 0 0 3,774
VANGUARD INDEX FDS SML CP GRW ETF 922908595 275,602 995 SH SOLE 0 0 995
VANGUARD INDEX FDS TOTAL STK MKT 922908769 229,004 753 SH SOLE 0 0 753
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,695,479 40,099 SH SOLE 0 0 40,099
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 3,290,445 43,352 SH SOLE 0 0 43,352
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 711,277 12,674 SH SOLE 0 0 12,674
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,817,980 48,025 SH SOLE 0 0 48,025
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 299,739 2,745 SH SOLE 0 0 2,745
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 475,212 2,322 SH SOLE 0 0 2,322
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 3,865,482 67,804 SH SOLE 0 0 67,804
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 803,558 6,028 SH SOLE 0 0 6,028
WALMART INC COM 931142103 363,526 3,718 SH SOLE 0 0 3,718