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
ISHARES TR CORE S&P SCP ETF 464287804 17,507,546 151,949 SH SOLE 28,338 0 123,610
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,603,441 216,935 SH SOLE 42,731 0 174,205
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,361,584 17,166 SH SOLE 11,886 0 5,280
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 13,465,252 281,582 SH SOLE 48,060 0 233,522
VANGUARD INDEX FDS GROWTH ETF 922908736 28,265,482 68,866 SH SOLE 14,667 0 54,200
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 13,545,975 152,065 SH SOLE 32,453 0 119,613
VANGUARD INDEX FDS VALUE ETF 922908744 26,438,558 156,164 SH SOLE 29,887 0 126,276
AMAZON COM INC COM 023135106 466,862 2,128 SH SOLE 2,000 0 128
EXXON MOBIL CORP COM 30231G102 207,610 1,930 SH SOLE 0 0 1,930
INVESCO QQQ TR UNIT SER 1 46090E103 649,791 1,271 SH SOLE 997 0 274
MICROSOFT CORP COM 594918104 252,561 599 SH SOLE 0 0 599
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,410,900 18,357 SH SOLE 4,162 0 14,195
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5,228,689 9,704 SH SOLE 975 0 8,729
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,416,644 184,683 SH SOLE 7,370 0 177,313
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,274,355 28,936 SH SOLE 2,700 0 26,237
VANGUARD BD INDEX FDS INTERMED TERM 921937819 6,775,013 90,660 SH SOLE 18,288 0 72,371
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 988,530 12,793 SH SOLE 733 0 12,061
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 3,119,344 24,448 SH SOLE 11,889 0 12,559
ISHARES TR NATIONAL MUN ETF 464288414 2,161,263 20,284 SH SOLE 4,829 0 15,455
ISHARES TR RUS 1000 VAL ETF 464287598 1,357,567 7,333 SH SOLE 906 0 6,427
ISHARES TR 0-5 YR TIPS ETF 46429B747 456,015 4,533 SH SOLE 321 0 4,212
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,449,769 13,980 SH SOLE 6,031 0 7,949
ISHARES TR S&P 500 GRWT ETF 464287309 1,422,231 14,008 SH SOLE 9,520 0 4,488
ISHARES TR SP SMCP600VL ETF 464287879 701,161 6,456 SH SOLE 4,095 0 2,361
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 1,399,352 29,850 SH SOLE 10,193 0 19,656
VANGUARD INDEX FDS SM CP VAL ETF 922908611 858,986 4,334 SH SOLE 1,709 0 2,625
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,768,543 171,100 SH SOLE 6,253 0 164,847
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 229,622 2,943 SH SOLE 0 0 2,943
ISHARES TR RUS 1000 ETF 464287622 316,021 981 SH SOLE 0 0 981
APPLE INC COM 037833100 890,708 3,557 SH SOLE 0 0 3,557
VANGUARD INDEX FDS MID CAP ETF 922908629 305,808 1,158 SH SOLE 1,016 0 142
SPDR SER TR S&P DIVID ETF 78464A763 1,123,506 8,505 SH SOLE 2,719 0 5,786
ISHARES TR CORE S&P MCP ETF 464287507 760,288 12,202 SH SOLE 0 0 12,202
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,541,209 2,630 SH SOLE 0 0 2,630
VANGUARD INDEX FDS TOTAL STK MKT 922908769 335,470 1,158 SH SOLE 0 0 1,158