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 EMRG MKTEQ ETF 808524706 7,826,830 215,853 SH SOLE 215,853 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 19,129,509 690,596 SH SOLE 690,596 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 40,304,974 1,369,520 SH SOLE 1,369,520 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 18,209,282 493,878 SH SOLE 493,878 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 37,138,853 505,910 SH SOLE 505,910 0 0
APPLE INC COM 037833100 255,505 883 SH SOLE 883 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,086,533 1,582 SH SOLE 1,582 0 0
NVIDIA CORPORATION COM 67066G104 277,925 1,389 SH SOLE 1,389 0 0