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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
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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
SCHWAB STRATEGIC TR US TIPS ETF 808524870 33,141,789 1,242,196 SH SOLE 170,835 0 1,071,361
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 16,112,453 218,830 SH SOLE 29,790 0 189,040
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 14,286,358 288,555 SH SOLE 38,875 0 249,680
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 7,914,032 240,475 SH SOLE 40,210 0 200,265
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 7,617,910 254,015 SH SOLE 41,715 0 212,300
GOLDMAN SACHS ETF TR ACTIVEBETA US 381430602 11,715,157 170,750 SH SOLE 22,270 0 148,480
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 8,767,786 297,920 SH SOLE 51,250 0 246,670
VANGUARD STAR FDS VG TL INTL STK F 921909768 5,010,061 72,515 SH SOLE 8,465 0 64,050
SPDR SERIES TRUST PORTFLI HIGH YLD 78468R606 4,767,497 200,315 SH SOLE 18,725 0 181,590
VANECK ETF TRUST EMERGING MRKT HI 92189F353 4,753,252 239,821 SH SOLE 22,445 0 217,376
VANGUARD INDEX FDS TOTAL STK MKT 922908769 25,846,207 85,040 SH SOLE 5,571 0 79,469
ISHARES TR MSCI USA MMENTM 46432F396 8,084,365 33,640 SH SOLE 3,660 0 29,980
ISHARES INC MSCI EQUAL WEITE 464286681 7,595,566 76,630 SH SOLE 8,601 0 68,029
ISHARES TR CORE MSCI TOTAL 46432F834 311,946 4,035 SH SOLE 1,135 0 2,900
AMERICAN CENTY ETF TR US SML CP VALU 025072877 979,325 10,750 SH SOLE 2,250 0 8,500
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 739,886 25,825 SH SOLE 7,125 0 18,700
APPLE INC COM 037833100 448,296 2,185 SH SOLE 2,185 0 0
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 467,313 4,155 SH SOLE 3,010 0 1,145
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,908,493 38,925 SH SOLE 5,185 0 33,740
ISHARES TR CORE S&P TTL STK 464287150 2,063,411 15,280 SH SOLE 7,530 0 7,750
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 218,813 2,760 SH SOLE 960 0 1,800
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372 252,197 4,710 SH SOLE 1,360 0 3,350
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 295,328 1,625 SH SOLE 1,365 0 260
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 328,399 13,470 SH SOLE 13,470 0 0
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663 327,476 3,570 SH SOLE 3,570 0 0
ISHARES TR SHORT TREAS BD 464288679 327,395 2,965 SH SOLE 2,965 0 0
VANGUARD INSTL INDEX FD 0-3 MO TREAS BIL 922040845 326,754 4,325 SH SOLE 4,325 0 0