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
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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
AMAZON COM INC COM 023135106 585,552 2,669 SH SOLE 0 0 2,669
APPLE INC COM 037833100 1,870,034 9,115 SH SOLE 0 0 9,115
AUTOMATIC DATA PROCESSING IN COM 053015103 574,375 1,862 SH SOLE 0 0 1,862
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 392,502 808 SH SOLE 0 0 808
CAPITAL ONE FINL CORP COM 14040H105 432,574 2,033 SH SOLE 0 0 2,033
CITIGROUP INC COM NEW 172967424 311,274 3,657 SH SOLE 0 0 3,657
ETSY INC COM 29786A106 314,002 6,260 SH SOLE 0 0 6,260
ISHARES TR ISHS 1-5YR INVS 464288646 18,628,976 353,089 SH SOLE 0 0 353,089
ISHARES INC MSCI EMRG CHN 46434G764 1,651,637 26,158 SH SOLE 0 0 26,158
KRAFT HEINZ CO COM 500754106 246,465 9,546 SH SOLE 0 0 9,546
LOWES COS INC COM 548661107 715,457 3,225 SH SOLE 0 0 3,225
MICROSOFT CORP COM 594918104 364,104 732 SH SOLE 0 0 732
NOVARTIS AG SPONSORED ADR 66987V109 204,386 1,689 SH SOLE 0 0 1,689
PAYCOM SOFTWARE INC COM 70432V102 352,654 1,524 SH SOLE 0 0 1,524
PAYCHEX INC COM 704326107 935,618 6,432 SH SOLE 0 0 6,432
PAYPAL HLDGS INC COM 70450Y103 493,410 6,639 SH SOLE 0 0 6,639
PFIZER INC COM 717081103 238,180 9,826 SH SOLE 0 0 9,826
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 313,308 13,148 SH SOLE 0 0 13,148
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 17,464,613 631,175 SH SOLE 0 0 631,175
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1,769,195 21,850 SH SOLE 0 0 21,850
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 676,673 12,921 SH SOLE 0 0 12,921
BLOCK INC CL A 852234103 406,153 5,979 SH SOLE 0 0 5,979
STARBUCKS CORP COM 855244109 330,606 3,608 SH SOLE 0 0 3,608
UNITED PARCEL SERVICE INC CL B 911312106 428,995 4,250 SH SOLE 0 0 4,250
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 20,903,752 262,940 SH SOLE 0 0 262,940
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 5,815,097 70,129 SH SOLE 0 0 70,129
VANGUARD INDEX FDS SM CP VAL ETF 922908611 10,213,454 52,374 SH SOLE 0 0 52,374
WISDOMTREE TR JAPN HEDGE EQT 97717W851 9,587,356 83,901 SH SOLE 0 0 83,901