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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OMB Number: 3235-0006
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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
ALPHABET INC CAP STK CL A 02079K305 206,448 600 SH SOLE 0 0 600
APPLE INC COM 037833100 393,845 1,183 SH SOLE 0 0 1,183
CATERPILLAR INC COM 149123101 371,712 458 SH SOLE 0 0 458
COSTCO WHOLESALE CORPORATION COM 22160K105 448,798 493 SH SOLE 0 0 493
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 1,038,820 6,383 SH SOLE 0 0 6,383
HOME DEPOT INC COM 437076102 209,385 736 SH SOLE 0 0 736
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 950,907 13,486 SH SOLE 0 0 13,486
ISHARES TR ISHS 1-5YR INVS 464288646 35,262,205 688,312 SH SOLE 0 0 688,312
ISHARES TR RUS 1000 ETF 464287622 261,746 629 SH SOLE 0 0 629
ISHARES TR S&P 100 ETF 464287101 411,882 1,078 SH SOLE 0 0 1,078
JPMORGAN CHASE & CO COM 46625H100 264,002 798 SH SOLE 0 0 798
MICROSOFT CORP COM 594918104 1,202,461 2,344 SH SOLE 0 0 2,344
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 539,413 22,607 SH SOLE 0 0 22,607
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 244,000 11,381 SH SOLE 0 0 11,381
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 16,124,041 495,667 SH SOLE 0 0 495,667
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,148,732 151,344 SH SOLE 0 0 151,344
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 26,546,527 905,716 SH SOLE 0 0 905,716
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,214,711 66,488 SH SOLE 0 0 66,488
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 16,012,936 445,670 SH SOLE 0 0 445,670
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 362,891 9,956 SH SOLE 0 0 9,956
SPDR INDEX SHS FDS ST STR MSCI GLB 78463X475 18,232,563 210,781 SH SOLE 0 0 210,781
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 900,154 1,180 SH SOLE 0 0 1,180
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,223,908 1,746 SH SOLE 0 0 1,746
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 286,384 814 SH SOLE 0 0 814
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 213,420 2,459 SH SOLE 0 0 2,459
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 294,083 3,807 SH SOLE 0 0 3,807
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 762,205 3,267 SH SOLE 0 0 3,267
VANGUARD STAR FDS VG TL INTL STK F 921909768 318,887 3,753 SH SOLE 0 0 3,753
VANGUARD WORLD FD ESG US STK ETF 921910733 338,605 2,498 SH SOLE 0 0 2,498
VANGUARD WORLD FD MRNGSTR CAP ETF 921910873 229,518 813 SH SOLE 0 0 813