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 240,440 722 SH SOLE 0 0 722
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 32,310,178 155,322 SH SOLE 0 0 155,322
INVESCO QQQ TR UNIT SER 1 46090E103 540,772 731 SH SOLE 0 0 731
ISHARES TR TRUST ISHARE 0-1 464288679 399,359 3,620 SH SOLE 0 0 3,620
ISHARES TR S&P MC 400GR ETF 464287606 3,869,889 35,306 SH SOLE 0 0 35,306
ISHARES TR EAFE SML CP ETF 464288273 9,111,705 107,934 SH SOLE 0 0 107,934
ISHARES TR CORE S&P SCP ETF 464287804 31,072,131 228,406 SH SOLE 0 0 228,406
ISHARES TR S&P 500 GRWT ETF 464287309 1,339,379 9,415 SH SOLE 0 0 9,415
ISHARES TR S&P SML 600 GWT 464287887 4,439,379 27,689 SH SOLE 0 0 27,689
ISHARES TR CORE S&P500 ETF 464287200 3,346,521 4,370 SH SOLE 0 0 4,370
ISHARES TR CORE S&P MCP ETF 464287507 26,487,468 368,137 SH SOLE 0 0 368,137
ISHARES TR S&P MC 400VL ETF 464287705 3,795,150 27,559 SH SOLE 0 0 27,559
ISHARES TR S&P 500 VAL ETF 464287408 1,431,773 6,272 SH SOLE 0 0 6,272
ISHARES TR SP SMCP600VL ETF 464287879 4,372,436 34,133 SH SOLE 0 0 34,133
ISHARES TR MSCI EAFE ETF 464287465 3,410,397 32,827 SH SOLE 0 0 32,827
ISHARES TR CORE MSCI EAFE 46432F842 7,369,481 76,067 SH SOLE 0 0 76,067
MICROSOFT CORP COM 594918104 225,163 439 SH SOLE 0 0 439
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,154,885 66,040 SH SOLE 0 0 66,040
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,205,466 43,883 SH SOLE 0 0 43,883
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,845,993 54,262 SH SOLE 0 0 54,262
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,349,646 27,134 SH SOLE 0 0 27,134
SPDR SERIES TRUST ST STR SP600GRWO 78464A201 1,423,878 13,311 SH SOLE 0 0 13,311
SPDR SERIES TRUST ST STR SP400VAL 78464A839 1,234,449 13,947 SH SOLE 0 0 13,947
SPDR SERIES TRUST ST STR SP400GRW 78464A821 1,376,347 13,167 SH SOLE 0 0 13,167
SPDR SERIES TRUST ST STR SP600SM C 78464A300 1,589,454 15,560 SH SOLE 0 0 15,560