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
VANGUARD INDEX FDS VALUE ETF 922908744 8,510,704 43,377 SH SOLE 0 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 7,496,069 17,161 SH SOLE 0 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 7,015,768 240,843 SH SOLE 0 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 6,826,477 142,070 SH SOLE 0 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 6,185,544 202,804 SH SOLE 0 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 5,750,461 74,574 SH SOLE 0 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 5,403,185 118,361 SH SOLE 0 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 5,323,961 70,891 SH SOLE 0 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 5,286,204 217,808 SH SOLE 0 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 5,189,036 70,464 SH SOLE 0 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,986,644 201,480 SH SOLE 0 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 4,909,054 62,607 SH SOLE 0 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 4,263,322 14,845 SH SOLE 0 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,164,148 134,500 SH SOLE 0 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,031,611 18,557 SH SOLE 0 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,837,929 165,285 SH SOLE 0 0 0
ISHARES TR CORE S&P US GWT 464287671 3,586,115 23,119 SH SOLE 0 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,542,099 121,805 SH SOLE 0 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 3,387,137 36,133 SH SOLE 0 0 0
ISHARES TR CORE US AGGBD ET 464287226 2,919,321 29,407 SH SOLE 0 0 0
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 2,901,486 37,765 SH SOLE 0 0 0
ISHARES TR CORE S&P US VLU 464287663 2,830,092 27,678 SH SOLE 0 0 0
ISHARES TR TIPS BD ETF 464287176 2,482,476 22,494 SH SOLE 0 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 2,480,676 121,542 SH SOLE 0 0 0
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 2,285,072 19,988 SH SOLE 0 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A508 2,172,627 38,399 SH SOLE 0 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 2,121,169 18,472 SH SOLE 0 0 0
ISHARES TR MSCI EAFE ETF 464287465 2,058,201 21,190 SH SOLE 0 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,002,676 75,260 SH SOLE 0 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,772,270 26,244 SH SOLE 0 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 1,540,198 14,041 SH SOLE 0 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,448,154 11,649 SH SOLE 0 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,429,236 26,442 SH SOLE 0 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,365,153 2,099 SH SOLE 0 0 0
ISHARES TR CORE INTL AGGR 46435G672 1,105,972 22,101 SH SOLE 0 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 1,062,631 12,869 SH SOLE 0 0 0
ISHARES TR SP SMCP600VL ETF 464287879 992,137 8,376 SH SOLE 0 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 990,493 15,457 SH SOLE 0 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 984,813 3,759 SH SOLE 0 0 0
ISHARES TR CORE MSCI INTL 46435G326 922,399 11,037 SH SOLE 0 0 0
MICROSOFT CORP COM 594918104 909,217 2,456 SH SOLE 0 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 877,060 14,982 SH SOLE 0 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A847 861,160 14,541 SH SOLE 0 0 0
APPLE INC COM 037833100 839,080 3,306 SH SOLE 0 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 709,475 2,927 SH SOLE 0 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 707,355 14,208 SH SOLE 0 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 679,096 6,003 SH SOLE 0 0 0
EXXON MOBIL CORP COM 30231G102 651,833 3,842 SH SOLE 0 0 0
ISHARES TR S&P 500 VAL ETF 464287408 646,744 3,062 SH SOLE 0 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A409 633,132 6,466 SH SOLE 0 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R853 614,760 12,722 SH SOLE 0 0 0
ISHARES TR CORE UNIVRSL USD 46434V613 586,746 12,702 SH SOLE 0 0 0
ISHARES TR TRUST ISHARE 0-1 464288679 550,991 4,991 SH SOLE 0 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 516,179 5,957 SH SOLE 0 0 0
GOLDMAN SACHS ETF TR ACCESS INVT GR 381430479 468,305 10,225 SH SOLE 0 0 0
ISHARES TR MORNINGSTAR GRWT 464287119 436,233 4,568 SH SOLE 0 0 0
ISHARES TR CORE 30/70 CONSE 464289883 392,370 9,836 SH SOLE 0 0 0
JPMORGAN CHASE & CO. COM 46625H100 391,232 1,330 SH SOLE 0 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 366,439 1,142 SH SOLE 0 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 356,866 4,312 SH SOLE 0 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R200 347,573 11,292 SH SOLE 0 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 345,817 4,728 SH SOLE 0 0 0
ISHARES TR CORE 60/40 BALAN 464289867 328,831 5,110 SH SOLE 0 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 319,181 12,813 SH SOLE 0 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 313,404 735 SH SOLE 0 0 0
ALPHABET INC CAP STK CL A 02079K305 289,572 1,007 SH SOLE 0 0 0
ISHARES TR CORE 80/20 AGGRE 464289859 275,817 3,116 SH SOLE 0 0 0
HONEYWELL INTL INC COM 438516106 241,852 1,070 SH SOLE 0 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 230,402 2,985 SH SOLE 0 0 0
ALPHABET INC CAP STK CL A 02079K107 220,021 767 SH SOLE 0 0 0
JOHNSON & JOHNSON COM 478160104 219,141 896 SH SOLE 0 0 0
ISHARES INC CORE MSCI EMKT 46434G103 214,747 3,078 SH SOLE 0 0 0
ISHARES TR CORE S&P500 ETF 464287200 209,039 320 SH SOLE 0 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 206,339 965 SH SOLE 0 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 200,581 3,816 SH SOLE 0 0 0