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 234,124 930 SH SOLE 0 0 930
ALPHABET INC CAP STK CL C 02079K107 685,771 1,941 SH SOLE 0 0 1,941
ALTRIA GROUP INC COM 02209S103 364,930 5,072 SH SOLE 0 0 5,072
AMAZON COM INC COM 023135106 368,745 1,547 SH SOLE 0 0 1,547
APPLE INC COM 037833100 4,506,579 15,574 SH SOLE 0 0 15,574
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 213,667 427 SH SOLE 0 0 427
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 382,171 6,188 SH SOLE 0 0 6,188
BROADCOM INC COM 11135F101 692,430 1,833 SH SOLE 0 0 1,833
CATERPILLAR INC COM 149123101 516,179 485 SH SOLE 0 0 485
CHEVRON CORPORATION COM 166764100 235,048 1,418 SH SOLE 0 0 1,418
EXXON MOBIL CORP COM 30231G102 252,784 1,849 SH SOLE 0 0 1,849
GALLAGHER ARTHUR J & CO COM 363576109 258,955 1,128 SH SOLE 0 0 1,128
INVESCO QQQ TR UNIT SER 1 46090E103 677,488 920 SH SOLE 0 0 920
ISHARES INC CORE MSCI EMKT 46434G103 355,301 4,289 SH SOLE 0 0 4,289
ISHARES TR CORE S&P TTL STK 464287150 285,501 1,738 SH SOLE 0 0 1,738
ISHARES TR CORE DIV GRWTH 46434V621 258,520 3,411 SH SOLE 0 0 3,411
ISHARES TR CORE S&P SCP ETF 464287804 229,436 1,547 SH SOLE 0 0 1,547
ISHARES TR CRE U S REIT ETF 464288521 728,001 10,956 SH SOLE 0 0 10,956
ISHARES TR NATIONAL MUN ETF 464288414 8,880,192 82,514 SH SOLE 0 0 82,514
ISHARES TR S&P 500 GRWT ETF 464287309 229,675 1,670 SH SOLE 0 0 1,670
JPMORGAN CHASE & CO COM 46625H100 368,574 1,126 SH SOLE 0 0 1,126
LOCKHEED MARTIN CORP COM 539830109 209,388 411 SH SOLE 0 0 411
MICROSOFT CORP COM 594918104 899,378 2,411 SH SOLE 0 0 2,411
NORTHROP GRUMMAN CORP COM 666807102 466,240 915 SH SOLE 0 0 915
NVIDIA CORPORATION COM 67066G104 207,896 1,039 SH SOLE 0 0 1,039
PHILIP MORRIS INTL INC COM 718172109 864,931 4,781 SH SOLE 0 0 4,781
PROSHARES TR S&P 500 DV ARIST 74348A467 215,991 3,846 SH SOLE 0 0 3,846
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,258,710 117,643 SH SOLE 0 0 117,643
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,368,935 100,039 SH SOLE 0 0 100,039
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 329,036 9,107 SH SOLE 0 0 9,107
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 13,407,617 462,970 SH SOLE 0 0 462,970
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 10,757,990 213,495 SH SOLE 0 0 213,495
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 5,931,116 114,545 SH SOLE 0 0 114,545
SPDR SERIES TRUST ST STR PR SP1500 78464A805 1,796,371 19,786 SH SOLE 0 0 19,786
SPDR SERIES TRUST ST STR P500GRW 78464A409 3,380,952 28,414 SH SOLE 0 0 28,414
SPDR SERIES TRUST ST STR SP600SM C 78464A300 23,129,633 211,985 SH SOLE 0 0 211,985
SPDR SERIES TRUST ST STR SP600GRWO 78464A201 356,149 2,990 SH SOLE 0 0 2,990
SPDR SERIES TRUST ST STR P500ETF 78464A854 300,462 3,419 SH SOLE 0 0 3,419
SPDR SERIES TRUST ST STR SP DIV 78464A763 225,226 1,480 SH SOLE 0 0 1,480
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 1,612,630 63,191 SH SOLE 0 0 63,191
SPDR SERIES TRUST ST STR P500VAL 78464A508 2,554,179 42,016 SH SOLE 0 0 42,016
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 360,105 482 SH SOLE 0 0 482
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 16,451,790 224,108 SH SOLE 0 0 224,108
VANGUARD INDEX FDS TOTAL STK MKT 922908769 64,096,634 173,215 SH SOLE 0 0 173,215
VANGUARD INDEX FDS VALUE ETF 922908744 358,059 1,643 SH SOLE 0 0 1,643
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 525,410 765 SH SOLE 0 0 765
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 21,126,248 219,084 SH SOLE 0 0 219,084
VANGUARD INDEX FDS SM CP VAL ETF 922908611 10,890,437 44,818 SH SOLE 0 0 44,818
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,195,087 3,268 SH SOLE 0 0 3,268
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 1,118,777 14,783 SH SOLE 0 0 14,783
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 15,821,614 265,063 SH SOLE 0 0 265,063
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 49,589,115 592,109 SH SOLE 0 0 592,109
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 433,736 8,635 SH SOLE 0 0 8,635
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,124,101 81,536 SH SOLE 0 0 81,536
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 1,083,519 5,544 SH SOLE 0 0 5,544
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 354,693 1,499 SH SOLE 0 0 1,499
VANGUARD STAR FDS VG TL INTL STK F 921909768 14,057,724 164,437 SH SOLE 0 0 164,437
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 971,244 13,631 SH SOLE 0 0 13,631
VISA INC COM CL A 92826C839 291,452 849 SH SOLE 0 0 849
WISDOMTREE TR US SMALLCAP DIVD 97717W604 258,184 6,347 SH SOLE 0 0 6,347