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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
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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 376,692 1,836 SH SOLE 1,836 0 0
INVESCO EXCHANGE TRADED FD T EETF 46137V357 508,872 2,800 SH SOLE 2,800 0 0
INVESCO QQQ TR EETF 46090E103 297,886 540 SH SOLE 540 0 0
ISHARES TR EETF 464287200 8,760,278 14,109 SH SOLE 14,109 0 0
ISHARES TR EETF 464287804 2,153,669 19,706 SH SOLE 19,706 0 0
SCHWAB STRATEGIC TR EETF 808524300 21,693,741 742,682 SH SOLE 742,682 0 0
SCHWAB STRATEGIC TR EETF 808524409 20,751,974 749,981 SH SOLE 749,981 0 0
SPDR S&P 500 ETF TR EETF 78462F103 717,942 1,162 SH SOLE 1,162 0 0
SPDR S&P MIDCAP 400 ETF TR EETF 78467Y107 322,894 570 SH SOLE 570 0 0
VANGUARD INDEX FDS EETF 922908363 1,032,111 1,817 SH SOLE 1,817 0 0
VANGUARD INDEX FDS EETF 922908611 2,563,991 13,148 SH SOLE 13,148 0 0
ISHARES INC IETF 46434G103 1,644,762 27,399 SH SOLE 27,399 0 0
VANGUARD TAX-MANAGED FDS IETF 921943858 5,920,089 103,843 SH SOLE 103,843 0 0
VANGUARD INTL EQUITY INDEX F IETF 922042858 2,558,170 51,722 SH SOLE 51,722 0 0
VANGUARD INDEX FDS AETF 922908553 1,388,178 15,587 SH SOLE 15,587 0 0