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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
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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 237,808 1,159 SH SOLE 0 0 1,159
COSTCO WHSL CORP NEW COM 22160K105 488,040 493 SH SOLE 0 0 493
HOME DEPOT INC COM 437076102 269,847 736 SH SOLE 0 0 736
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 2,641,258 36,271 SH SOLE 0 0 36,271
ISHARES TR ISHS 1-5YR INVS 464288646 18,385,884 348,482 SH SOLE 0 0 348,482
ISHARES TR S&P 100 ETF 464287101 213,958 703 SH SOLE 0 0 703
JPMORGAN CHASE & CO. COM 46625H100 231,348 798 SH SOLE 0 0 798
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 18,627,898 702,940 SH SOLE 0 0 702,940
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,822,279 243,219 SH SOLE 0 0 243,219
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 20,467,276 858,887 SH SOLE 0 0 858,887
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,602,470 94,054 SH SOLE 0 0 94,054
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 12,307,771 421,355 SH SOLE 0 0 421,355
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 296,322 9,832 SH SOLE 0 0 9,832
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475 17,028,029 246,783 SH SOLE 0 0 246,783
SPDR S&P 500 ETF TR TR UNIT 78462F103 658,697 1,066 SH SOLE 0 0 1,066
VANGUARD INDEX FDS LARGE CAP ETF 922908637 215,954 757 SH SOLE 0 0 757
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 216,523 2,724 SH SOLE 0 0 2,724
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 700,430 3,422 SH SOLE 0 0 3,422