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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
ISHARES TR CORE S&P SCP ETF 464287804 16,620,388 158,940 SH SOLE 28,605 0 130,335
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,981,336 222,437 SH SOLE 42,343 0 180,094
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,270,650 16,860 SH SOLE 11,859 0 5,001
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 14,682,775 288,860 SH SOLE 48,359 0 240,502
VANGUARD INDEX FDS GROWTH ETF 922908736 25,369,243 68,414 SH SOLE 14,592 0 53,822
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 14,046,424 155,141 SH SOLE 32,430 0 122,710
VANGUARD INDEX FDS VALUE ETF 922908744 28,169,932 163,077 SH SOLE 29,959 0 133,118
AMAZON COM INC COM 023135106 404,873 2,128 SH SOLE 2,000 0 128
EXXON MOBIL CORP COM 30231G102 229,535 1,930 SH SOLE 0 0 1,930
INVESCO QQQ TR UNIT SER 1 46090E103 596,014 1,271 SH SOLE 997 0 274
MICROSOFT CORP COM 594918104 224,963 599 SH SOLE 0 0 599
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,682,279 21,115 SH SOLE 4,190 0 16,925
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5,901,788 11,484 SH SOLE 982 0 10,502
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,955,297 199,964 SH SOLE 7,370 0 192,594
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,307,072 28,879 SH SOLE 2,789 0 26,090
VANGUARD BD INDEX FDS INTERMED TERM 921937819 7,993,730 104,398 SH SOLE 21,072 0 83,326
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 952,423 12,167 SH SOLE 737 0 11,430
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 3,173,042 24,605 SH SOLE 11,958 0 12,647
ISHARES TR NATIONAL MUN ETF 464288414 2,091,917 19,840 SH SOLE 4,854 0 14,986
ISHARES TR RUS 1000 VAL ETF 464287598 1,366,127 7,260 SH SOLE 910 0 6,351
ISHARES TR 0-5 YR TIPS ETF 46429B747 506,460 4,895 SH SOLE 321 0 4,574
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,359,818 13,622 SH SOLE 6,058 0 7,565
ISHARES TR S&P 500 GRWT ETF 464287309 1,216,726 13,107 SH SOLE 8,482 0 4,625
ISHARES TR SP SMCP600VL ETF 464287879 631,607 6,479 SH SOLE 4,110 0 2,369
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 1,514,242 31,865 SH SOLE 10,245 0 21,620
VANGUARD INDEX FDS SM CP VAL ETF 922908611 812,424 4,361 SH SOLE 1,719 0 2,642
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,300,121 171,730 SH SOLE 6,260 0 165,470
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 259,063 3,282 SH SOLE 0 0 3,282
ISHARES TR RUS 1000 ETF 464287622 301,700 984 SH SOLE 0 0 984
APPLE INC COM 037833100 778,064 3,503 SH SOLE 0 0 3,503
VANGUARD INDEX FDS MID CAP ETF 922908629 300,797 1,163 SH SOLE 1,021 0 143
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 217,825 409 SH SOLE 100 0 309
SPDR SER TR S&P DIVID ETF 78464A763 1,096,708 8,083 SH SOLE 2,735 0 5,349
ISHARES TR CORE S&P MCP ETF 464287507 707,268 12,121 SH SOLE 0 0 12,121
ISHARES TR CORE S&P500 ETF 464287200 310,010 552 SH SOLE 0 0 552
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,470,737 2,629 SH SOLE 0 0 2,629
VANGUARD INDEX FDS TOTAL STK MKT 922908769 319,300 1,162 SH SOLE 0 0 1,162