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
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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
AMAZON COM INC COM 023135106 223,057 1,071 SH SOLE 1,071 0 0
APPLE INC COM 037833100 1,885,516 7,429 SH SOLE 7,429 0 0
CVS HEALTH CORP COM 126650100 504,152 7,020 SH SOLE 7,020 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 3,736,559 110,976 SH SOLE 110,976 0 0
EXXON MOBIL CORP COM 30231G102 996,609 5,874 SH SOLE 5,874 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 228,089 941 SH SOLE 941 0 0
ISHARES TR CORE S&P500 ETF 464287200 21,467,423 32,865 SH SOLE 32,865 0 0
ISHARES TR US SML CAP EQT 46434V290 3,663,253 48,526 SH SOLE 48,526 0 0
ISHARES TR CORE US AGGBD ET 464287226 208,169 2,097 SH SOLE 2,097 0 0
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159 48,422,673 1,051,067 SH SOLE 1,051,067 0 0
MICROSOFT CORP COM 594918104 320,227 865 SH SOLE 865 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 15,855,582 157,657 SH SOLE 157,657 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 1,780,968 54,917 SH SOLE 54,917 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 8,273,965 169,098 SH SOLE 169,098 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 14,804,935 531,596 SH SOLE 531,596 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,513,788 76,291 SH SOLE 76,291 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 4,941,155 229,928 SH SOLE 229,928 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,749,466 216,064 SH SOLE 216,064 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 2,802,979 112,524 SH SOLE 112,524 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R408 2,731,171 109,334 SH SOLE 109,334 0 0
SYSCO CORP COM 871829107 211,382 2,963 SH SOLE 2,963 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 293,553 3,146 SH SOLE 3,146 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 14,288,900 190,265 SH SOLE 190,265 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 3,649,238 44,100 SH SOLE 44,100 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 12,238,670 139,329 SH SOLE 139,329 0 0