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
AAPL APPLE INC 037833100 3,960,215 11,892 SH SOLE 0 0 11,892 0
AGG ISHARES TR 464287226 382,926 4,050 SH SOLE 0 0 4,050 0
AMD ADVANCED MICRO DEVICES INC 007903107 326,680 534 SH SOLE 0 0 534 0
AMZN AMAZON COM INC 023135106 936,555 3,759 SH SOLE 0 0 3,759 0
BIV VANGUARD BD INDEX FDS 921937819 2,996,880 41,132 SH SOLE 0 0 41,132 0
BND VANGUARD BD INDEX FDS 921937835 7,511,410 107,066 SH SOLE 0 0 107,066 0
BNDX VANGUARD CHARLOTTE FDS 92203J407 6,824,215 145,594 SH SOLE 0 0 145,594 0
BRKB BERKSHIRE HATHAWAY INC DEL 084670702 319,186 641 SH SOLE 0 0 641 0
BSV VANGUARD BD INDEX FDS 921937827 5,094,108 66,677 SH SOLE 0 0 66,677 0
COF CAPITAL ONE FINL CORP 14040H105 1,794,443 9,294 SH SOLE 0 0 9,294 0
CRS CARPENTER TECHNOLOGY CORP 144285103 842,962 2,168 SH SOLE 0 0 2,168 0
DVY ISHARES TR 464287168 235,344 1,548 SH SOLE 0 0 1,548 0
FNDF SCHWAB STRATEGIC TR 808524755 334,003 6,214 SH SOLE 0 0 6,214 0
GOOG ALPHABET INC 02079K107 326,429 958 SH SOLE 0 0 958 0
IAGG ISHARES TR 46435G672 404,227 8,216 SH SOLE 0 0 8,216 0
IDEV ISHARES TR 46435G326 859,960 9,447 SH SOLE 0 0 9,447 0
IEFA ISHARES TR 46432F842 430,050 4,439 SH SOLE 0 0 4,439 0
IVV ISHARES TR 464287200 1,138,092 1,486 SH SOLE 0 0 1,486 0
IWD ISHARES TR 464287598 234,542 946 SH SOLE 0 0 946 0
IWM ISHARES TR 464287655 287,499 1,035 SH SOLE 0 0 1,035 0
IXUS ISHARES TR 46432F834 6,029,677 63,477 SH SOLE 0 0 63,477 0
JPM JPMORGAN CHASE & CO 46625H100 303,644 918 SH SOLE 0 0 918 0
MSFT MICROSOFT CORP 594918104 988,012 2,012 SH SOLE 0 0 2,012 0
MU MICRON TECHNOLOGY INC 595112103 1,317,289 1,237 SH SOLE 0 0 1,237 0
NVDA NVIDIA CORPORATION 67066G104 16,998,768 74,432 SH SOLE 0 0 74,432 0
ORCL ORACLE CORP 68389X105 411,930 3,000 SH SOLE 0 0 3,000 0
PM PHILIP MORRIS INTL INC 718172109 231,364 1,212 SH SOLE 0 0 1,212 0
QQQ INVESCO QQQ TR 46090E103 686,905 929 SH SOLE 0 0 929 0
SCHC SCHWAB STRATEGIC TR 808524888 228,655 4,597 SH SOLE 0 0 4,597 0
SCHF SCHWAB STRATEGIC TR 808524805 987,821 35,960 SH SOLE 0 0 35,960 0
SCHG SCHWAB STRATEGIC TR 808524300 325,698 9,065 SH SOLE 0 0 9,065 0
SCHW CHARLES SCHWAB CORP (THE) 808513105 297,130 3,040 SH SOLE 0 0 3,040 0
SPDW SPDR INDEX SHS FDS 78463X889 240,255 4,785 SH SOLE 0 0 4,785 0
SPY STATE STR SPDR S&P 500 ETF T 78462F103 1,036,529 1,361 SH SOLE 0 0 1,361 0
TSM TAIWAN SEMICONDUCTOR MANUFAC 874039100 1,238,556 2,715 SH SOLE 0 0 2,715 0
UNP UNION PAC CORP 907818108 241,592 888 SH SOLE 0 0 888 0
VB VANGUARD INDEX FDS 922908751 1,980,943 6,912 SH SOLE 0 0 6,912 0
VBIL VANGUARD INSTL INDEX FD 922040845 6,552,124 86,531 SH SOLE 0 0 86,531 0
VBR VANGUARD INDEX FDS 922908611 549,771 2,380 SH SOLE 0 0 2,380 0
VEA VANGUARD TAX-MANAGED FDS 921943858 7,811,663 110,328 SH SOLE 0 0 110,328 0
VEU VANGUARD INTL EQUITY INDEX F 922042775 438,994 5,291 SH SOLE 0 0 5,291 0
VGUS VANGUARD INSTL INDEX FD 922040852 806,096 10,660 SH SOLE 0 0 10,660 0
VOO VANGUARD INDEX FDS 922908363 1,704,023 2,431 SH SOLE 0 0 2,431 0
VT VANGUARD INTL EQUITY INDEX F 922042742 1,741,662 11,033 SH SOLE 0 0 11,033 0
VTEB VANGUARD MUN BD FDS 922907746 2,003,281 42,299 SH SOLE 0 0 42,299 0
VTES VANGUARD WELLINGTON FD 921935870 667,412 6,769 SH SOLE 0 0 6,769 0
VTI VANGUARD INDEX FDS 922908769 46,295,627 123,715 SH SOLE 0 0 123,715 0
VTIP VANGUARD MALVERN FDS 922020805 6,334,851 128,704 SH SOLE 0 0 128,704 0
VTV VANGUARD INDEX FDS 922908744 6,267,551 28,863 SH SOLE 0 0 28,863 0
VUG VANGUARD INDEX FDS 922908736 7,119,591 79,330 SH SOLE 0 0 79,330 0
VV VANGUARD INDEX FDS 922908637 1,697,934 4,837 SH SOLE 0 0 4,837 0
VWO VANGUARD INTL EQUITY INDEX F 922042858 3,671,093 61,747 SH SOLE 0 0 61,747 0
VXF VANGUARD INDEX FDS 922908652 377,236 1,629 SH SOLE 0 0 1,629 0
VXUS VANGUARD STAR FDS 921909768 31,696,389 373,018 SH SOLE 0 0 373,018 0
VYM VANGUARD WHITEHALL FDS 921946406 551,218 3,552 SH SOLE 0 0 3,552 0
XOM EXXON MOBIL CORP 30231G102 5,775,672 35,488 SH SOLE 0 0 35,488 0