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
APPLE INC COM 037833100 205,798 757 SH SOLE 0 0 757
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 28,407,054 148,293 SH SOLE 0 0 148,293
INVESCO QQQ TR UNIT SER 1 46090E103 475,476 774 SH SOLE 0 0 774
ISHARES TR S&P MC 400VL ETF 464287705 3,756,235 28,545 SH SOLE 0 0 28,545
ISHARES TR S&P SML 600 GWT 464287887 4,095,897 29,016 SH SOLE 0 0 29,016
ISHARES TR MSCI EAFE ETF 464287465 3,210,473 33,432 SH SOLE 0 0 33,432
ISHARES TR S&P 500 VAL ETF 464287408 1,387,575 6,543 SH SOLE 0 0 6,543
ISHARES TR SP SMCP600VL ETF 464287879 4,077,546 35,856 SH SOLE 0 0 35,856
ISHARES TR S&P 500 GRWT ETF 464287309 1,204,744 9,774 SH SOLE 0 0 9,774
ISHARES TR S&P MC 400GR ETF 464287606 3,568,769 36,837 SH SOLE 0 0 36,837
ISHARES TR EAFE SML CP ETF 464288273 7,857,327 101,345 SH SOLE 0 0 101,345
ISHARES TR TRUST ISHARE 0-1 464288679 398,744 3,620 SH SOLE 0 0 3,620
ISHARES TR CORE S&P SCP ETF 464287804 26,341,277 219,182 SH SOLE 0 0 219,182
ISHARES TR CORE S&P MCP ETF 464287507 22,991,925 348,362 SH SOLE 0 0 348,362
ISHARES TR CORE S&P500 ETF 464287200 2,921,270 4,265 SH SOLE 0 0 4,265
ISHARES TR CORE MSCI EAFE 46432F842 6,345,676 70,933 SH SOLE 0 0 70,933
MICROSOFT CORP COM 594918104 211,826 438 SH SOLE 0 0 438
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,239,554 27,225 SH SOLE 0 0 27,225
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,062,256 44,187 SH SOLE 0 0 44,187
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,620,201 53,881 SH SOLE 0 0 53,881
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,872,133 65,735 SH SOLE 0 0 65,735
SPDR SERIES TRUST STATE STREET SPD 78464A300 1,435,598 15,781 SH SOLE 0 0 15,781
SPDR SERIES TRUST STATE STREET SPD 78464A201 1,261,487 13,393 SH SOLE 0 0 13,393
SPDR SERIES TRUST STATE STREET SPD 78464A821 1,205,010 13,037 SH SOLE 0 0 13,037
SPDR SERIES TRUST STATE STREET SPD 78464A839 1,156,742 13,665 SH SOLE 0 0 13,665