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 39,183,073 1,559,215 SH SOLE 386,705 0 1,172,510
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 17,899,653 381,900 SH SOLE 89,235 0 292,665
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 19,060,457 271,710 SH SOLE 58,960 0 212,750
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 10,862,327 250,920 SH SOLE 66,285 0 184,635
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 11,122,368 262,320 SH SOLE 68,550 0 193,770
PIMCO ETF TR 15+ YR US TIPS 72201R304 11,846,643 262,675 SH SOLE 70,185 0 192,490
GOLDMAN SACHS ETF TR ACTIVEBETA US 381430602 14,818,495 172,750 SH SOLE 35,760 0 136,990
VANGUARD STAR FDS VG TL INTL STK F 921909768 6,222,470 73,240 SH SOLE 15,570 0 57,670
ISHARES INC MSCI EQUAL WEITE 464286681 9,469,133 85,047 SH SOLE 20,537 0 64,510
ISHARES TR MSCI USA MMENTM 46432F396 10,286,576 32,415 SH SOLE 6,920 0 25,495
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 28,210,211 75,380 SH SOLE 10,071 0 65,309
ISHARES TR CORE MSCI TOTAL 46432F834 350,038 3,685 SH SOLE 1,135 0 2,550
AMERICAN CENTY ETF TR US SML CP VALU 025072877 1,299,592 11,035 SH SOLE 2,190 0 8,845
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 1,333,850 38,110 SH SOLE 11,640 0 26,470
APPLE INC COM 037833100 346,341 1,040 SH SOLE 1,040 0 0
ISHARES TR CORE S&P TTL STK 464287150 2,682,928 16,135 SH SOLE 8,685 0 7,450
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 790,490 5,215 SH SOLE 3,725 0 1,490
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 385,018 3,520 SH SOLE 1,720 0 1,800
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372 306,762 4,710 SH SOLE 1,360 0 3,350
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,708,749 36,080 SH SOLE 1,705 0 34,375
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 710,388 3,415 SH SOLE 1,735 0 1,680
ISHARES TR TIPS BD ETF 464287176 3,338,644 32,090 SH SOLE 0 0 32,090
ISHARES TR CORE INTL AGGR 46435G672 991,626 20,155 SH SOLE 0 0 20,155
ISHARES TR CORE US AGGBD ET 464287226 1,260,218 13,330 SH SOLE 0 0 13,330
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 210,123 2,775 SH SOLE 2,775 0 0
ISHARES TR 0-3 MTH TREASURY 46436E718 209,918 2,085 SH SOLE 2,085 0 0
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 209,397 2,285 SH SOLE 2,285 0 0
BLACKROCK ETF TRUST ISHA US AWAR ETF 09290C509 234,801 2,875 SH SOLE 2,875 0 0
HOME DEPOT INC COM 437076102 291,602 1,025 SH SOLE 1,025 0 0