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 17,412,601 148,877 SH SOLE 28,524 0 120,352
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,402,664 100,740 SH SOLE 20,476 0 80,264
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,710,991 18,737 SH SOLE 13,285 0 5,452
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 14,250,337 269,842 SH SOLE 46,111 0 223,731
VANGUARD INDEX FDS GROWTH ETF 922908736 26,701,641 69,548 SH SOLE 15,142 0 54,407
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 14,325,502 147,049 SH SOLE 32,140 0 114,909
VANGUARD INDEX FDS VALUE ETF 922908744 26,230,406 150,257 SH SOLE 29,405 0 120,853
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,163,126 17,550 SH SOLE 4,097 0 13,454
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,305,597 8,160 SH SOLE 683 0 7,476
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,492,367 84,931 SH SOLE 3,606 0 81,325
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,346,617 28,142 SH SOLE 2,693 0 25,450
VANGUARD BD INDEX FDS INTERMED TERM 921937819 4,247,839 54,202 SH SOLE 9,137 0 45,066
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,037,599 13,186 SH SOLE 1,193 0 11,993
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 3,169,136 24,720 SH SOLE 12,212 0 12,508
ISHARES TR RUS 1000 VAL ETF 464287598 1,435,783 7,565 SH SOLE 1,067 0 6,498
ISHARES TR NATIONAL MUN ETF 464288414 2,377,665 21,888 SH SOLE 4,914 0 16,973
ISHARES TR 0-5 YR TIPS ETF 46429B747 452,461 4,466 SH SOLE 319 0 4,147
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,516,272 14,045 SH SOLE 6,414 0 7,630
ISHARES TR S&P 500 GRWT ETF 464287309 1,376,848 14,380 SH SOLE 9,654 0 4,726
ISHARES TR SP SMCP600VL ETF 464287879 1,213,611 11,273 SH SOLE 6,191 0 5,081
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,300,453 41,279 SH SOLE 1,562 0 39,717
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 256,185 3,226 SH SOLE 0 0 3,226
ISHARES TR RUS 1000 ETF 464287622 307,435 978 SH SOLE 0 0 978
ISHARES TR S&P SML 600 GWT 464287887 205,897 1,476 SH SOLE 1,330 0 146
APPLE INC COM 037833100 882,297 3,787 SH SOLE 0 0 3,787
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 312,837 6,553 SH SOLE 1,366 0 5,187
VANGUARD INDEX FDS MID CAP ETF 922908629 304,223 1,153 SH SOLE 1,012 0 141
VANGUARD INDEX FDS SM CP VAL ETF 922908611 452,320 2,253 SH SOLE 841 0 1,412
EXXON MOBIL CORP COM 30231G102 223,656 1,908 SH SOLE 0 0 1,908
AMAZON COM INC COM 023135106 389,057 2,088 SH SOLE 2,000 0 88
MICROSOFT CORP COM 594918104 231,127 537 SH SOLE 0 0 537
SPDR SER TR S&P DIVID ETF 78464A763 1,463,232 10,302 SH SOLE 4,416 0 5,885
ISHARES TR CORE S&P MCP ETF 464287507 759,637 12,189 SH SOLE 0 0 12,189
INVESCO QQQ TR UNIT SER 1 46090E103 624,515 1,280 SH SOLE 1,059 0 220
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,508,811 2,630 SH SOLE 0 0 2,630
VANGUARD INDEX FDS TOTAL STK MKT 922908769 325,721 1,150 SH SOLE 0 0 1,150
JOHNSON & JOHNSON COM 478160104 234,987 1,450 SH SOLE 0 0 1,450