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
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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 US TIPS ETF 808524870 41,533,053 1,567,285 SH SOLE 343,855 0 1,223,430
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 16,586,839 342,491 SH SOLE 84,811 0 257,680
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 20,236,421 275,663 SH SOLE 58,964 0 216,699
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 11,270,514 264,150 SH SOLE 61,845 0 202,305
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 11,786,858 199,845 SH SOLE 45,850 0 153,995
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 9,924,751 247,315 SH SOLE 58,270 0 189,045
GOLDMAN SACHS ETF TR ACTIVEBETA US 381430602 16,205,951 177,580 SH SOLE 32,180 0 145,400
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V815 12,418,812 320,155 SH SOLE 77,560 0 242,595
VANGUARD STAR FDS VG TL INTL STK F 921909768 6,102,704 71,385 SH SOLE 12,715 0 58,670
ISHARES INC MSCI EQUAL WEITE 464286681 9,400,349 82,322 SH SOLE 16,207 0 66,115
ISHARES TR MSCI USA MMENTM 46432F396 11,537,944 33,655 SH SOLE 6,030 0 27,625
VANGUARD INDEX FDS TOTAL STK MKT 922908769 28,551,546 77,158 SH SOLE 6,609 0 70,549
ISHARES TR CORE MSCI TOTAL 46432F834 359,809 3,770 SH SOLE 1,135 0 2,635
AMERICAN CENTY ETF TR US SML CP VALU 025072877 1,407,293 11,280 SH SOLE 2,250 0 9,030
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 1,461,314 38,395 SH SOLE 11,925 0 26,470
APPLE INC COM 037833100 351,572 1,215 SH SOLE 1,215 0 0
ISHARES TR CORE S&P TTL STK 464287150 3,015,176 18,355 SH SOLE 10,605 0 7,750
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 871,508 5,395 SH SOLE 3,905 0 1,490
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,008,785 39,715 SH SOLE 4,625 0 35,090
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 364,797 3,540 SH SOLE 1,740 0 1,800
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372 308,976 4,710 SH SOLE 1,360 0 3,350
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 726,610 3,415 SH SOLE 1,735 0 1,680
ISHARES TR CORE INTL AGGR 46435G672 1,731,026 34,210 SH SOLE 0 0 34,210
HOME DEPOT INC COM 437076102 373,841 1,060 SH SOLE 1,060 0 0