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
Estimated average burden
hours per response: 23.8
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 2,233,327 4,312 SH SOLE 4,312 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 2,401,666 17,195 SH SOLE 17,195 0 0
ISHARES TR RUS MD CP GR ETF 464287481 1,744,530 12,250 SH SOLE 12,250 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 9,427,103 357,901 SH SOLE 357,901 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,599,440 11,303 SH SOLE 11,303 0 0
ISHARES TR SP SMCP600VL ETF 464287879 1,823,237 16,486 SH SOLE 16,486 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 9,757,351 305,777 SH SOLE 305,777 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,888,590 15,893 SH SOLE 15,893 0 0
ISHARES TR CORE S&P MCP ETF 464287507 2,866,729 43,928 SH SOLE 43,928 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 8,448,916 290,241 SH SOLE 290,241 0 0
NVIDIA CORPORATION COM 67066G104 2,993,117 16,042 SH SOLE 16,042 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 555,535 4,602 SH SOLE 4,602 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,241,204 1,854 SH SOLE 1,854 0 0
ISHARES TR S&P 500 VAL ETF 464287408 576,538 2,792 SH SOLE 2,792 0 0
JPMORGAN CHASE & CO. COM 46625H100 1,105,721 3,505 SH SOLE 3,505 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 288,573 574 SH SOLE 574 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 7,616,627 12,687 SH SOLE 12,687 0 0
VISA INC COM CL A 92826C839 433,954 1,271 SH SOLE 1,271 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 2,538,043 31,805 SH SOLE 31,805 0 0
AMERICAN CENTY ETF TR US QUALITY GROW 025072307 708,823 6,196 SH SOLE 6,196 0 0
AMAZON COM INC COM 023135106 1,153,840 5,255 SH SOLE 5,255 0 0
APPLE INC COM 037833100 3,689,752 14,491 SH SOLE 14,491 0 0
ALPHABET INC CAP STK CL A 02079K305 662,621 2,726 SH SOLE 2,726 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 995,178 3,388 SH SOLE 3,388 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,432,706 5,634 SH SOLE 5,634 0 0
ALPHABET INC CAP STK CL C 02079K107 878,087 3,605 SH SOLE 3,605 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,307,665 4,451 SH SOLE 4,451 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,535,258 30,323 SH SOLE 30,323 0 0
WALMART INC COM 931142103 378,706 3,675 SH SOLE 3,675 0 0
BANK AMERICA CORP COM 060505104 1,634,566 31,684 SH SOLE 31,684 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 2,077,169 11,138 SH SOLE 11,138 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 3,614,078 7,535 SH SOLE 7,535 0 0
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 2,096,586 35,415 SH SOLE 35,415 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,929,328 70,671 SH SOLE 70,671 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 610,470 10,188 SH SOLE 10,188 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 2,050,684 16,747 SH SOLE 16,747 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,426,035 10,117 SH SOLE 10,117 0 0
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 1,602,583 19,213 SH SOLE 19,213 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,257,724 45,080 SH SOLE 45,080 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,771,312 59,761 SH SOLE 59,761 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 1,232,795 27,898 SH SOLE 27,898 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 3,670,764 11,923 SH SOLE 11,923 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 1,402,832 1,879 SH SOLE 1,879 0 0
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 1,383,196 15,107 SH SOLE 15,107 0 0
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 781,210 8,812 SH SOLE 8,812 0 0
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 1,115,611 11,829 SH SOLE 11,829 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 932,259 4,467 SH SOLE 4,467 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 1,488,438 3,699 SH SOLE 3,699 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 247,408 4,121 SH SOLE 4,121 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 343,794 907 SH SOLE 907 0 0
ISHARES TR S&P 100 ETF 464287101 309,626 930 SH SOLE 930 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 406,769 611 SH SOLE 611 0 0
COSTCO WHSL CORP NEW COM 22160K105 599,586 648 SH SOLE 648 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 366,157 1,116 SH SOLE 1,116 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 861,184 3,991 SH SOLE 3,991 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 693,445 2,330 SH SOLE 2,330 0 0
BROADCOM INC COM 11135F101 420,737 1,275 SH SOLE 1,275 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 240,160 1,266 SH SOLE 1,266 0 0
ISHARES GOLD TR ISHARES NEW 464285204 632,226 8,688 SH SOLE 8,688 0 0
SALESFORCE INC COM 79466L302 276,746 1,168 SH SOLE 1,168 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 335,158 2,393 SH SOLE 2,393 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 364,366 2,087 SH SOLE 2,087 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303 225,528 2,950 SH SOLE 2,950 0 0
AMERICAN ELEC PWR CO INC COM 025537101 259,797 2,309 SH SOLE 2,309 0 0
GE AEROSPACE COM NEW 369604301 219,245 729 SH SOLE 729 0 0
INVESCO EXCH TRADED FD TR II SHORT TERM TREAS 46138G888 211,280 2,000 SH SOLE 2,000 0 0
MARRIOTT INTL INC NEW CL A 571903202 217,681 836 SH SOLE 836 0 0
ISHARES TR MSCI USA MMENTM 46432F396 308,751 1,204 SH SOLE 1,204 0 0
CISCO SYS INC COM 17275R102 363,543 5,313 SH SOLE 5,313 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 252,681 3,440 SH SOLE 3,440 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 202,976 3,768 SH SOLE 3,768 0 0
TESLA INC COM 88160R101 262,385 590 SH SOLE 590 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105 157,864 13,860 SH SOLE 13,860 0 0
SEMPRA COM 816851109 269,940 3,000 SH SOLE 3,000 0 0
ALTRIA GROUP INC COM 02209S103 378,866 5,735 SH SOLE 5,735 0 0
PHILIP MORRIS INTL INC COM 718172109 420,772 2,594 SH SOLE 2,594 0 0
TOLL BROTHERS INC COM 889478103 767,054 5,553 SH SOLE 5,553 0 0
WILLIAMS COS INC COM 969457100 294,387 4,647 SH SOLE 4,647 0 0