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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
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 7,073,871 214,685 SH SOLE 214,685 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 17,068,442 689,634 SH SOLE 689,634 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 35,195,618 1,372,684 SH SOLE 1,372,684 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 15,342,011 495,543 SH SOLE 495,543 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 36,962,788 501,939 SH SOLE 501,939 0 0
APPLE INC COM 037833100 224,097 883 SH SOLE 883 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 990,738 1,658 SH SOLE 1,658 0 0
NVIDIA CORPORATION COM 67066G104 242,242 1,389 SH SOLE 1,389 0 0