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
OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
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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
MICROSOFT CORP COM 594918104 1,879,925 3,779 SH SOLE 3,779 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 1,872,557 14,171 SH SOLE 14,171 0 0
ISHARES TR RUS MD CP GR ETF 464287481 1,297,751 9,358 SH SOLE 9,358 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 8,007,193 327,627 SH SOLE 327,627 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,491,254 11,209 SH SOLE 11,209 0 0
ISHARES TR SP SMCP600VL ETF 464287879 1,663,790 16,723 SH SOLE 16,723 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 7,999,741 273,870 SH SOLE 273,870 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,681,358 15,384 SH SOLE 15,384 0 0
ISHARES TR CORE S&P MCP ETF 464287507 2,461,793 39,694 SH SOLE 39,694 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 7,301,703 263,885 SH SOLE 263,885 0 0
NVIDIA CORPORATION COM 67066G104 1,174,871 7,436 SH SOLE 7,436 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 488,025 4,433 SH SOLE 4,433 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,148,447 1,850 SH SOLE 1,850 0 0
ISHARES TR S&P 500 VAL ETF 464287408 531,160 2,718 SH SOLE 2,718 0 0
JPMORGAN CHASE & CO. COM 46625H100 954,127 3,291 SH SOLE 3,291 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 5,700,299 10,333 SH SOLE 10,333 0 0
VISA INC COM CL A 92826C839 391,168 1,102 SH SOLE 1,102 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 204,475 421 SH SOLE 421 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 1,806,372 23,308 SH SOLE 23,308 0 0
AMERICAN CENTY ETF TR US QUALITY GROW 025072307 707,190 6,481 SH SOLE 6,481 0 0
AMAZON COM INC COM 023135106 672,650 3,066 SH SOLE 3,066 0 0
APPLE INC COM 037833100 2,685,762 13,090 SH SOLE 13,090 0 0
ALPHABET INC CAP STK CL A 02079K305 467,132 2,651 SH SOLE 2,651 0 0
SALESFORCE INC COM 79466L302 347,555 1,275 SH SOLE 1,275 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 524,498 1,874 SH SOLE 1,874 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 768,653 3,244 SH SOLE 3,244 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,121,236 3,943 SH SOLE 3,943 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,478,232 29,406 SH SOLE 29,406 0 0
WALMART INC COM 931142103 355,113 3,632 SH SOLE 3,632 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,682,583 9,520 SH SOLE 9,520 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 3,124,339 7,127 SH SOLE 7,127 0 0
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 1,217,519 22,356 SH SOLE 22,356 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 1,295,723 11,058 SH SOLE 11,058 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,393,709 52,593 SH SOLE 52,593 0 0
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 1,358,485 17,103 SH SOLE 17,103 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 944,893 37,348 SH SOLE 37,348 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,637,314 58,371 SH SOLE 58,371 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 229,854 5,318 SH SOLE 5,318 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 3,212,274 11,259 SH SOLE 11,259 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 1,324,365 1,997 SH SOLE 1,997 0 0
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 1,336,118 15,381 SH SOLE 15,381 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 626,784 4,702 SH SOLE 4,702 0 0
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 932,064 10,502 SH SOLE 10,502 0 0
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 747,961 9,378 SH SOLE 9,378 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 296,321 1,520 SH SOLE 1,520 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 1,402,000 3,829 SH SOLE 3,829 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 205,239 3,432 SH SOLE 3,432 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 334,151 952 SH SOLE 952 0 0
ISHARES TR S&P 100 ETF 464287101 282,509 928 SH SOLE 928 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 376,222 609 SH SOLE 609 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 246,545 3,568 SH SOLE 3,568 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 308,543 1,508 SH SOLE 1,508 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 255,407 922 SH SOLE 922 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 347,124 1,142 SH SOLE 1,142 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 230,083 1,266 SH SOLE 1,266 0 0
ISHARES GOLD TR ISHARES NEW 464285204 541,472 8,683 SH SOLE 8,683 0 0
BROADCOM INC COM 11135F101 352,953 1,280 SH SOLE 1,280 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 322,795 2,378 SH SOLE 2,378 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 309,570 1,882 SH SOLE 1,882 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303 208,616 3,184 SH SOLE 3,184 0 0
COSTCO WHSL CORP NEW COM 22160K105 317,005 320 SH SOLE 320 0 0
AMERICAN ELEC PWR CO INC COM 025537101 237,572 2,290 SH SOLE 2,290 0 0
CISCO SYS INC COM 17275R102 367,725 5,300 SH SOLE 5,300 0 0
MARRIOTT INTL INC NEW CL A 571903202 207,842 761 SH SOLE 761 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105 148,833 13,629 SH SOLE 13,629 0 0
SEMPRA COM 816851109 227,310 3,000 SH SOLE 3,000 0 0