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
ABBVIE INC COM 00287Y109 243,336 967 SH SOLE 0 0 967
AMAZON COM INC COM 023135106 7,987,727 33,514 SH SOLE 0 0 33,514
APPLE INC COM 037833100 639,135 2,209 SH SOLE 0 0 2,209
ARCHER DANIELS MIDLAND CO COM 039483102 3,019,022 39,516 SH SOLE 0 0 39,516
BERKSHIRE HATHAWAY INC DEL CL A 084670108 748,850 1 SH SOLE 0 0 1
BROADCOM INC COM 11135F101 857,493 2,270 SH SOLE 0 0 2,270
CHEVRON CORPORATION COM 166764100 593,421 3,580 SH SOLE 0 0 3,580
COSTCO WHOLESALE CORPORATION COM 22160K105 202,997 217 SH SOLE 0 0 217
DBX ETF TR XTRACK USD HIGH 233051432 2,663,367 72,929 SH SOLE 0 0 72,929
ECOLAB INC COM 278865100 835,830 3,000 SH SOLE 0 0 3,000
EDWARDS LIFESCIENCES CORP COM 28176E108 217,104 2,400 SH SOLE 0 0 2,400
ENTERPRISE PRODS PARTNERS L COM 293792107 266,142 7,240 SH SOLE 0 0 7,240
ILLINOIS TOOL WKS INC COM 452308109 811,410 3,000 SH SOLE 0 0 3,000
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 3,904,755 18,352 SH SOLE 0 0 18,352
ISHARES INC CORE MSCI EMKT 46434G103 10,577,064 127,681 SH SOLE 0 0 127,681
ISHARES TR ESG AWR MSCI USA 46435G425 340,434 2,080 SH SOLE 0 0 2,080
ISHARES TR NATIONAL MUN ETF 464288414 11,260,496 104,632 SH SOLE 0 0 104,632
ISHARES TR JPMORGAN USD EMG 464288281 2,253,996 23,372 SH SOLE 0 0 23,372
ISHARES TR CORE MSCI EAFE 46432F842 24,605,783 254,771 SH SOLE 0 0 254,771
JOHNSON & JOHNSON COM 478160104 513,695 2,023 SH SOLE 0 0 2,023
LOWES COS INC COM 548661107 297,662 1,350 SH SOLE 0 0 1,350
MARRIOTT INTL INC NEW CL A 571903202 224,578 606 SH SOLE 0 0 606
MICROSOFT CORP COM 594918104 837,644 2,246 SH SOLE 0 0 2,246
NOVO-NORDISK A S ADR 670100205 287,640 6,000 SH SOLE 0 0 6,000
NVIDIA CORPORATION COM 67066G104 868,469 4,340 SH SOLE 0 0 4,340
PEPSICO INC COM 713448108 414,189 3,059 SH SOLE 0 0 3,059
PRICE T ROWE GROUP INC COM 74144T108 341,070 3,000 SH SOLE 0 0 3,000
PROCTER & GAMBLE CO COM 742718109 691,882 4,718 SH SOLE 0 0 4,718
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 15,161,504 448,035 SH SOLE 0 0 448,035
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 571,658 19,424 SH SOLE 0 0 19,424
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 16,290,941 467,996 SH SOLE 0 0 467,996
SPDR SERIES TRUST ST PORT HIGH ETF 78468R606 2,284,814 97,475 SH SOLE 0 0 97,475
STARBUCKS CORP COM 855244109 205,504 2,011 SH SOLE 0 0 2,011
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,026,738 1,375 SH SOLE 0 0 1,375
TESLA INC COM 88160R101 2,039,069 4,848 SH SOLE 0 0 4,848
UNITEDHEALTH GROUP INC COM 91324P102 265,588 639 SH SOLE 0 0 639
VALERO ENERGY CORP COM 91913Y100 331,540 1,273 SH SOLE 0 0 1,273
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 2,238,954 87,596 SH SOLE 0 0 87,596
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 77,634,040 996,458 SH SOLE 0 0 996,458
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 3,946,232 81,483 SH SOLE 0 0 81,483
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,399,577 18,106 SH SOLE 0 0 18,106
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 298,582 975 SH SOLE 0 0 975
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,004,363 2,918 SH SOLE 0 0 2,918
VANGUARD INDEX FDS TOTAL STK MKT 922908769 870,334 2,352 SH SOLE 0 0 2,352
VANGUARD INDEX FDS GROWTH ETF 922908736 125,110,630 1,452,410 SH SOLE 0 0 1,452,410
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,514,471 18,192 SH SOLE 0 0 18,192
VANGUARD INDEX FDS VALUE ETF 922908744 7,277,119 33,392 SH SOLE 0 0 33,392
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,069,294 11,089 SH SOLE 0 0 11,089
VANGUARD INDEX FDS SML CP GRW ETF 922908595 4,544,554 12,427 SH SOLE 0 0 12,427
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 703,113 8,395 SH SOLE 0 0 8,395
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,465,484 108,318 SH SOLE 0 0 108,318
VANGUARD MALVERN FDS CORE BD ETF 922020748 129,180,491 1,672,614 SH SOLE 0 0 1,672,614
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 17,685,037 74,740 SH SOLE 0 0 74,740
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 11,591,680 162,690 SH SOLE 0 0 162,690
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 201,089 2,048 SH SOLE 0 0 2,048
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 118,135,077 747,548 SH SOLE 0 0 747,548
VANGUARD WORLD FD ESG INTL STK ETF 921910725 739,496 8,981 SH SOLE 0 0 8,981
VANGUARD WORLD FD ESG US STK ETF 921910733 239,883 1,814 SH SOLE 0 0 1,814
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 631,997 3,867 SH SOLE 0 0 3,867
WALMART INC COM 931142103 271,824 2,400 SH SOLE 0 0 2,400
ZOETIS INC CL A 98978V103 252,372 3,512 SH SOLE 0 0 3,512