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
Estimated average burden
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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 597,780 2,000 SH SOLE 0 0 2,000
AMAZON COM INC COM 023135106 7,561,276 34,465 SH SOLE 0 0 34,465
APPLE INC COM 037833100 562,680 2,743 SH SOLE 0 0 2,743
ARCHER DANIELS MIDLAND CO COM 039483102 2,087,080 39,543 SH SOLE 0 0 39,543
AUTOMATIC DATA PROCESSING IN COM 053015103 308,400 1,000 SH SOLE 0 0 1,000
BERKSHIRE HATHAWAY INC DEL CL A 084670108 728,800 1 SH SOLE 0 0 1
BROADCOM INC COM 11135F101 540,274 1,960 SH SOLE 0 0 1,960
CATERPILLAR INC COM 149123101 1,164,630 3,000 SH SOLE 0 0 3,000
CHEVRON CORP NEW COM 166764100 226,240 1,580 SH SOLE 0 0 1,580
CISCO SYS INC COM 17275R102 357,862 5,158 SH SOLE 0 0 5,158
COSTCO WHSL CORP NEW COM 22160K105 221,747 224 SH SOLE 0 0 224
DBX ETF TR XTRACK USD HIGH 233051432 2,560,402 69,350 SH SOLE 0 0 69,350
ECOLAB INC COM 278865100 808,320 3,000 SH SOLE 0 0 3,000
EDWARDS LIFESCIENCES CORP COM 28176E108 209,290 2,676 SH SOLE 0 0 2,676
EMERSON ELEC CO COM 291011104 399,990 3,000 SH SOLE 0 0 3,000
ENTERPRISE PRODS PARTNERS L COM 293792107 241,506 7,788 SH SOLE 0 0 7,788
HOME DEPOT INC COM 437076102 613,755 1,674 SH SOLE 0 0 1,674
ILLINOIS TOOL WKS INC COM 452308109 741,750 3,000 SH SOLE 0 0 3,000
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 3,204,803 17,634 SH SOLE 0 0 17,634
ISHARES INC CORE MSCI EMKT 46434G103 9,617,144 160,206 SH SOLE 0 0 160,206
ISHARES TR CORE MSCI EAFE 46432F842 23,378,741 280,052 SH SOLE 0 0 280,052
ISHARES TR NATIONAL MUN ETF 464288414 9,628,563 92,157 SH SOLE 0 0 92,157
ISHARES TR JPMORGAN USD EMG 464288281 2,127,667 22,972 SH SOLE 0 0 22,972
JOHNSON & JOHNSON COM 478160104 267,618 1,752 SH SOLE 0 0 1,752
MARRIOTT INTL INC NEW CL A 571903202 987,654 3,615 SH SOLE 0 0 3,615
MICROSOFT CORP COM 594918104 996,394 2,003 SH SOLE 0 0 2,003
NOVO-NORDISK A S ADR 670100205 414,120 6,000 SH SOLE 0 0 6,000
NVIDIA CORPORATION COM 67066G104 373,962 2,367 SH SOLE 0 0 2,367
ONEOK INC NEW COM 682680103 414,517 5,078 SH SOLE 0 0 5,078
ORACLE CORP COM 68389X105 655,890 3,000 SH SOLE 0 0 3,000
PEPSICO INC COM 713448108 396,120 3,000 SH SOLE 0 0 3,000
PRICE T ROWE GROUP INC COM 74144T108 289,500 3,000 SH SOLE 0 0 3,000
PROCTER AND GAMBLE CO COM 742718109 724,747 4,549 SH SOLE 0 0 4,549
PROGRESSIVE CORP COM 743315103 533,720 2,000 SH SOLE 0 0 2,000
SCHWAB CHARLES CORP COM 808513105 273,720 3,000 SH SOLE 0 0 3,000
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 490,531 20,071 SH SOLE 0 0 20,071
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 14,701,539 503,305 SH SOLE 0 0 503,305
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 14,445,373 522,059 SH SOLE 0 0 522,059
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 203,623 7,684 SH SOLE 0 0 7,684
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 247,912 979 SH SOLE 0 0 979
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,497,091 2,423 SH SOLE 0 0 2,423
SPDR SERIES TRUST PORTFLI HIGH YLD 78468R606 2,005,293 84,256 SH SOLE 0 0 84,256
TARGET CORP COM 87612E106 295,950 3,000 SH SOLE 0 0 3,000
TESLA INC COM 88160R101 1,582,900 4,983 SH SOLE 0 0 4,983
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 2,211,281 87,230 SH SOLE 0 0 87,230
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 62,687,105 796,532 SH SOLE 0 0 796,532
VANGUARD BD INDEX FDS INTERMED TERM 921937819 258,494 3,342 SH SOLE 0 0 3,342
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 206,419 2,803 SH SOLE 0 0 2,803
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 3,686,329 74,456 SH SOLE 0 0 74,456
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,108,873 3,713 SH SOLE 0 0 3,713
VANGUARD INDEX FDS TOTAL STK MKT 922908769 784,302 2,581 SH SOLE 0 0 2,581
VANGUARD INDEX FDS VALUE ETF 922908744 6,104,600 34,540 SH SOLE 0 0 34,540
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,808,740 19,531 SH SOLE 0 0 19,531
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,028,787 11,552 SH SOLE 0 0 11,552
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,692,639 19,802 SH SOLE 0 0 19,802
VANGUARD INDEX FDS GROWTH ETF 922908736 102,077,186 232,840 SH SOLE 0 0 232,840
VANGUARD INDEX FDS SML CP GRW ETF 922908595 3,938,918 14,223 SH SOLE 0 0 14,223
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 277,224 975 SH SOLE 0 0 975
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 548,683 8,162 SH SOLE 0 0 8,162
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 306,776 6,647 SH SOLE 0 0 6,647
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,280,997 126,991 SH SOLE 0 0 126,991
VANGUARD MALVERN FDS CORE BD ETF 922020748 107,417,616 1,384,604 SH SOLE 0 0 1,384,604
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 16,191,456 79,110 SH SOLE 0 0 79,110
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 11,055,454 193,921 SH SOLE 0 0 193,921
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 92,298,992 692,364 SH SOLE 0 0 692,364
VANGUARD WORLD FD ESG US STK ETF 921910733 241,208 2,200 SH SOLE 0 0 2,200
VANGUARD WORLD FD ESG INTL STK ETF 921910725 285,187 4,354 SH SOLE 0 0 4,354
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 517,575 3,945 SH SOLE 0 0 3,945
WALMART INC COM 931142103 234,672 2,400 SH SOLE 0 0 2,400
ZOETIS INC CL A 98978V103 467,850 3,000 SH SOLE 0 0 3,000