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
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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 208,917 722 SH SOLE 0 0 722
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 32,123,598 150,978 SH SOLE 0 0 150,978
INVESCO QQQ TR UNIT SER 1 46090E103 548,618 745 SH SOLE 0 0 745
ISHARES TR CORE S&P500 ETF 464287200 3,273,810 4,372 SH SOLE 0 0 4,372
ISHARES TR S&P MC 400VL ETF 464287705 4,120,782 27,894 SH SOLE 0 0 27,894
ISHARES TR S&P 500 VAL ETF 464287408 1,426,845 6,284 SH SOLE 0 0 6,284
ISHARES TR S&P 500 GRWT ETF 464287309 1,299,933 9,452 SH SOLE 0 0 9,452
ISHARES TR CORE S&P MCP ETF 464287507 27,375,826 355,023 SH SOLE 0 0 355,023
ISHARES TR CORE MSCI EAFE 46432F842 6,974,726 72,216 SH SOLE 0 0 72,216
ISHARES TR MSCI EAFE ETF 464287465 3,444,453 33,158 SH SOLE 0 0 33,158
ISHARES TR S&P SML 600 GWT 464287887 5,062,954 28,348 SH SOLE 0 0 28,348
ISHARES TR CORE S&P SCP ETF 464287804 32,856,980 221,544 SH SOLE 0 0 221,544
ISHARES TR SP SMCP600VL ETF 464287879 4,770,541 34,903 SH SOLE 0 0 34,903
ISHARES TR EAFE SML CP ETF 464288273 8,456,129 102,786 SH SOLE 0 0 102,786
ISHARES TR S&P MC 400GR ETF 464287606 4,184,296 35,611 SH SOLE 0 0 35,611
ISHARES TR TRUST ISHARE 0-1 464288679 399,468 3,620 SH SOLE 0 0 3,620
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,381,328 65,910 SH SOLE 0 0 65,910
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,222,180 44,122 SH SOLE 0 0 44,122
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,996,363 54,146 SH SOLE 0 0 54,146
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,309,779 27,219 SH SOLE 0 0 27,219
SPDR SERIES TRUST ST STR SP600GRWO 78464A201 1,600,392 13,434 SH SOLE 0 0 13,434
SPDR SERIES TRUST ST STR SP400VAL 78464A839 1,303,998 13,748 SH SOLE 0 0 13,748
SPDR SERIES TRUST ST STR SP400GRW 78464A821 1,465,353 13,073 SH SOLE 0 0 13,073
SPDR SERIES TRUST ST STR SP600SM C 78464A300 1,711,827 15,689 SH SOLE 0 0 15,689