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
AMAZON COM INC COM 023135106 1,097,169 5,001 SH SOLE 0 0 5,001
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,448,923 11,348 SH SOLE 0 0 11,348
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 5,395,240 27,997 SH SOLE 0 0 27,997
PROCTER AND GAMBLE CO COM 742718109 273,003 1,714 SH SOLE 0 0 1,714
NETFLIX INC COM 64110L106 202,209 151 SH SOLE 0 0 151
ISHARES TR SHRT NAT MUN ETF 464288158 3,499,867 32,912 SH SOLE 0 0 32,912
HOME DEPOT INC COM 437076102 212,651 580 SH SOLE 0 0 580
AUTOMATIC DATA PROCESSING IN COM 053015103 285,887 927 SH SOLE 0 0 927
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 423,529 17,329 SH SOLE 0 0 17,329
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 338,096 696 SH SOLE 0 0 696
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 227,529 2,862 SH SOLE 0 0 2,862
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 3,294,808 39,735 SH SOLE 0 0 39,735
ALPHABET INC CAP STK CL A 02079K305 201,431 1,143 SH SOLE 0 0 1,143
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 3,243,476 76,156 SH SOLE 0 0 76,156
MICROSOFT CORP COM 594918104 684,934 1,377 SH SOLE 0 0 1,377
VANGUARD INDEX FDS SMALL CP ETF 922908751 562,828 2,375 SH SOLE 0 0 2,375
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 210,098 7,593 SH SOLE 0 0 7,593
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 22,099,504 38,906 SH SOLE 0 0 38,906
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,242,291 2,193 SH SOLE 0 0 2,193
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 5,843,609 32,154 SH SOLE 0 0 32,154
ELI LILLY & CO COM 532457108 202,908 260 SH SOLE 0 0 260
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 1,250,109 11,448 SH SOLE 0 0 11,448
ISHARES TR RUSSELL 2000 ETF 464287655 1,385,803 6,422 SH SOLE 0 0 6,422
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,129,778 118,105 SH SOLE 0 0 118,105
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 1,821,949 36,538 SH SOLE 0 0 36,538
VANGUARD INDEX FDS VALUE ETF 922908744 2,035,161 11,515 SH SOLE 0 0 11,515
ISHARES TR CORE MSCI TOTAL 46432F834 2,410,643 31,182 SH SOLE 0 0 31,182
ABBVIE INC COM 00287Y109 407,347 2,195 SH SOLE 0 0 2,195
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 8,014,086 151,667 SH SOLE 0 0 151,667
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475 277,794 4,026 SH SOLE 0 0 4,026
CHURCH & DWIGHT CO INC COM 171340102 202,696 2,109 SH SOLE 0 0 2,109
VANGUARD MALVERN FDS CORE BD ETF 922020748 1,225,989 15,803 SH SOLE 0 0 15,803
VANGUARD MUN BD FDS INTERMEDIATE TRM 922907738 813,908 8,258 SH SOLE 0 0 8,258
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 4,110,768 143,482 SH SOLE 0 0 143,482
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 2,409,509 98,187 SH SOLE 0 0 98,187
INVESCO EXCHANGE TRADED FD T S&P 100 EQL WIGH 46137V449 298,019 2,710 SH SOLE 0 0 2,710
JPMORGAN CHASE & CO. COM 46625H100 311,073 1,073 SH SOLE 0 0 1,073
ISHARES TR NATIONAL MUN ETF 464288414 2,275,116 21,776 SH SOLE 0 0 21,776
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 18,100,274 317,493 SH SOLE 0 0 317,493
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 219,925 4,805 SH SOLE 0 0 4,805
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,223,808 85,398 SH SOLE 0 0 85,398
ALPHABET INC CAP STK CL C 02079K107 234,155 1,320 SH SOLE 0 0 1,320
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 774,439 10,654 SH SOLE 0 0 10,654
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 5,135,647 65,256 SH SOLE 0 0 65,256
EXXON MOBIL CORP COM 30231G102 242,981 2,254 SH SOLE 0 0 2,254
APPLE INC COM 037833100 1,265,980 6,170 SH SOLE 0 0 6,170
ABBOTT LABS COM 002824100 354,118 2,604 SH SOLE 0 0 2,604
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 252,626 1,966 SH SOLE 0 0 1,966