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
ALPHABET INC CAP STK CL C 02079K107 343,406 1,935 SH SOLE 0 0 1,935
AMAZON COM INC COM 023135106 301,253 1,373 SH SOLE 0 0 1,373
APPLE INC COM 037833100 3,330,428 16,232 SH SOLE 0 0 16,232
ARES MANAGEMENT CORPORATION CL A COM STK 03990B101 251,052 1,449 SH SOLE 0 0 1,449
BROADCOM INC COM 11135F101 508,309 1,844 SH SOLE 0 0 1,844
GALLAGHER ARTHUR J & CO COM 363576109 370,276 1,168 SH SOLE 0 0 1,168
INVESCO QQQ TR UNIT SER 1 46090E103 503,096 912 SH SOLE 0 0 912
ISHARES INC CORE MSCI EMKT 46434G103 274,157 4,567 SH SOLE 0 0 4,567
ISHARES TR CORE DIV GRWTH 46434V621 213,560 3,340 SH SOLE 0 0 3,340
ISHARES TR CORE S&P TTL STK 464287150 217,955 1,614 SH SOLE 0 0 1,614
ISHARES TR NATIONAL MUN ETF 464288414 5,285,469 50,588 SH SOLE 0 0 50,588
ISHARES TR CRE U S REIT ETF 464288521 436,056 7,709 SH SOLE 0 0 7,709
JPMORGAN CHASE & CO. COM 46625H100 336,006 1,159 SH SOLE 0 0 1,159
MICROSOFT CORP COM 594918104 1,176,908 2,366 SH SOLE 0 0 2,366
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,617,744 118,449 SH SOLE 0 0 118,449
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,427,109 67,443 SH SOLE 0 0 67,443
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,675,854 364,072 SH SOLE 0 0 364,072
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 344,004 13,597 SH SOLE 0 0 13,597
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 4,886,210 114,324 SH SOLE 0 0 114,324
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 8,736,716 215,774 SH SOLE 0 0 215,774
SPDR S&P 500 ETF TR TR UNIT 78462F103 265,058 429 SH SOLE 0 0 429
SPDR SERIES TRUST S&P DIVID ETF 78464A763 200,880 1,480 SH SOLE 0 0 1,480
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 2,785,322 29,220 SH SOLE 0 0 29,220
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 265,325 2,989 SH SOLE 0 0 2,989
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 14,458,533 181,275 SH SOLE 0 0 181,275
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 764,604 29,867 SH SOLE 0 0 29,867
SPDR SERIES TRUST PORTFOLI S&P1500 78464A805 1,858,814 24,820 SH SOLE 0 0 24,820
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 2,436,031 46,542 SH SOLE 0 0 46,542
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 13,610,717 184,852 SH SOLE 0 0 184,852
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 398,189 701 SH SOLE 0 0 701
VANGUARD INDEX FDS VALUE ETF 922908744 290,384 1,643 SH SOLE 0 0 1,643
VANGUARD INDEX FDS TOTAL STK MKT 922908769 45,837,228 150,815 SH SOLE 0 0 150,815
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,100,309 3,973 SH SOLE 0 0 3,973
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 14,958,271 167,957 SH SOLE 0 0 167,957
VANGUARD INDEX FDS SM CP VAL ETF 922908611 8,501,702 43,596 SH SOLE 0 0 43,596
VANGUARD INSTL INDEX FD 0-3 MO TREAS BIL 922040845 2,009,328 26,596 SH SOLE 0 0 26,596
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 34,295,402 510,196 SH SOLE 0 0 510,196
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,864,587 219,664 SH SOLE 0 0 219,664
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 806,733 16,048 SH SOLE 0 0 16,048
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,518,164 92,151 SH SOLE 0 0 92,151
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 839,269 6,034 SH SOLE 0 0 6,034
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 287,561 1,405 SH SOLE 0 0 1,405
VANGUARD STAR FDS VG TL INTL STK F 921909768 10,778,633 156,008 SH SOLE 0 0 156,008
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 995,195 17,456 SH SOLE 0 0 17,456
VISA INC COM CL A 92826C839 219,066 617 SH SOLE 0 0 617
WISDOMTREE TR US SMALLCAP DIVD 97717W604 206,589 6,504 SH SOLE 0 0 6,504