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
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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
AVANTIS EMERGING MARKETS EQ ETF COM 025072604 2,147 22,831 SH SOLE 22,831 0 0
AVANTIS INTERNATIONAL EQUITY ETF COM 025072703 4,768 52,918 SH SOLE 52,918 0 0
AVANTIS SMALL CAP VALUE - ETF COM 025072877 133,889 1,136,871 SH SOLE 1,136,871 0 0
AVANTIS US MID CAP VALUE ETF COM 025072133 58,112 761,325 SH SOLE 761,325 0 0
DFA EMERGING MKTS CORE EQUITY 2 - ETF COM 25434V732 91,420 2,301,615 SH SOLE 2,301,615 0 0
DFA INTL CORE EQUITY 2- ETF COM 25434V799 232,594 6,184,354 SH SOLE 6,184,354 0 0
DFA Tax-Managed US Marketwide Value II COM 25434V724 5,906 107,381 SH SOLE 107,381 0 0
DFA TAX-MANAGED US TARGETED VALUE COM 25434V609 4,576 68,871 SH SOLE 68,871 0 0
DIMENSIONAL US SMALL CAP VALUE ETF COM 25239Y170 2,307 61,569 SH SOLE 61,569 0 0
INVESCO QQQ TRUST - ETF COM 46138G649 13,674 44,885 SH SOLE 44,885 0 0
INVESCO S&P 500 QUALITY - ETF COM 46137V241 64,261 764,289 SH SOLE 764,289 0 0
ISHARE CORE S&P MID-CAP - ETF COM 464287507 1,361 18,914 SH SOLE 18,914 0 0
ISHARES CORE 1-5 YEAR USD BOND ETF COM 46432F859 631 13,361 SH SOLE 13,361 0 0
ISHARES CORE MSCI EAFE - ETF COM 46432F842 1,106 11,414 SH SOLE 11,414 0 0
ISHARES CORE MSCI EMG MKTS - ETF COM 46434G103 9,027 111,226 SH SOLE 111,226 0 0
ISHARES CORE S&P 500 COM 464287200 5,045 6,588 SH SOLE 6,588 0 0
ISHARES CORE S&P TOTAL US STOCK MARKET COM 464287150 272,286 1,637,516 SH SOLE 1,637,516 0 0
ISHARES MSCI EAFE INDEX - ETF COM 464287465 113 1,086 SH SOLE 1,086 0 0
ISHARES MSCI INT'L QUALITY - ETF COM 46434V456 4,650 93,994 SH SOLE 93,994 0 0
iSHARES -MSCI WORLD INDEX - ETF COM 464286392 59,608 289,036 SH SOLE 289,036 0 0
ISHARES RUSSELL 2000 COM 464287655 933 3,357 SH SOLE 3,357 0 0
ISHARES RUSSELL 2000 VALUE COM 464287630 29 136 SH SOLE 136 0 0
ISHARES RUSSELL 3000 INDEX - ETF COM 464287689 141,262 327,253 SH SOLE 327,253 0 0
ISHARES RUSSELL MIDCAP VALUE COM 464287473 1,337 8,319 SH SOLE 8,319 0 0
ISHARES S&P 400 MID VALUE INDEX - ETF COM 464287705 44,531 323,367 SH SOLE 323,367 0 0
ISHARES S&P 500 VALUE COM 464287408 1,103 4,831 SH SOLE 4,831 0 0
ISHARES S&P SMALLCAP 600 INDEX - ETF COM 464287804 136 999 SH SOLE 999 0 0
ISHARES S&P SMALL-CAP 600 VALUE COM 464287879 3,606 28,149 SH SOLE 28,149 0 0
ISHARES SHRT NAT MUN ETF COM 464288158 2,102 20,104 SH SOLE 20,104 0 0
ISHARES TR BARCLAYS AGG BOND - ETF COM 464287226 15,678 165,832 SH SOLE 165,832 0 0
ISHARES TRUST COM 464288414 426 4,213 SH SOLE 4,213 0 0
ISHARES TRUST CORE MSCI INTL E TF COM 46435G326 1,595 17,826 SH SOLE 17,826 0 0
JHANCOCK/DFA MULTIFACTOR DEVELOPED INTL COM 47804J859 32,477 732,281 SH SOLE 732,281 0 0
JOHN HANCOCK MLTFCTR COM 47804J834 1,167 29,448 SH SOLE 29,448 0 0
JOHN HANCOCK MLTFCTR SML COM 47804J842 1,950 42,913 SH SOLE 42,913 0 0
JP MORGAN ULTRA-SHORT INCOME ETF COM 46641Q837 27,892 553,742 SH SOLE 553,742 0 0
NASDAQ 100 - ETF COM 46090E103 57,258 77,400 SH SOLE 77,400 0 0
PACER US CASH COWS 100 ETF COM 69374H881 57,327 858,699 SH SOLE 858,699 0 0
PIMCO INVESTMENT GRADE CORPORATE - ETF COM 72201R817 326 3,551 SH SOLE 3,551 0 0
RUSSELL 1000 INDEX COM 464287622 4,096 9,843 SH SOLE 9,843 0 0
RUSSELL MID-CAP COM 464287499 2,018 18,914 SH SOLE 18,914 0 0
S P D R TRUST UNIT SR COM 78462F103 4,909 6,437 SH SOLE 6,437 0 0
S&P MID-CAP 400 - ETF COM 78467Y107 5,001 7,615 SH SOLE 7,615 0 0
SCHWAB EMG MKT EQUITY - ETF COM 808524706 629 17,261 SH SOLE 17,261 0 0
SCHWAB INT'L EQUITY - ETF COM 808524805 3,575 130,140 SH SOLE 130,140 0 0
SCHWAB SHORT-TERM US TREASURY BOND-ETF COM 808524862 5,235 219,423 SH SOLE 219,423 0 0
SCHWAB U.S. AGGREGATE BOND - ETF COM 808524839 128 5,801 SH SOLE 5,801 0 0
SCHWAB US BROAD MARKET - ETF COM 808524102 228,953 7,811,427 SH SOLE 7,811,427 0 0
SCHWAB US LARGE CAP VALUE - ETF COM 808524409 86 2,582 SH SOLE 2,582 0 0
SCHWAB US LARGE-CAP - ETF COM 808524201 1,130 37,674 SH SOLE 37,674 0 0
SCHWAB US SMALL CAP - ETF COM 808524607 448 13,718 SH SOLE 13,718 0 0
SPDR NUVEEN BARCLAYS S/T MUNI ETF COM 78468R739 410 8,785 SH SOLE 8,785 0 0
SPDR S&P 600 SMALL CAP VALUE IDX - ETF COM 78464A300 25,170 246,399 SH SOLE 246,399 0 0
SPDR SER TR LEHMAN MUN BD ETF COM 78468R721 2,902 67,850 SH SOLE 67,850 0 0
SPDR SHORT TERM TREASURY ETF COM 78468R101 530 18,471 SH SOLE 18,471 0 0
SPDR TOTAL STOCK MARKET ETF COM 78464A805 12,446 135,213 SH SOLE 135,213 0 0
VANGUARD DIVIDEND APPRECIATION - ETF COM 921908844 61,251 262,530 SH SOLE 262,530 0 0
VANGUARD FTSE DEVELOPED MARKETS - ETF COM 921943858 363 5,136 SH SOLE 5,136 0 0
VANGUARD FTSE EMERGING MARKETS - ETF COM 922042858 163 2,743 SH SOLE 2,743 0 0
VANGUARD MID-CAP VALUE - ETF COM 922908512 15,541 79,484 SH SOLE 79,484 0 0
VANGUARD RUSSELL 3000 INDEX - ETF COM 92206C599 13,249 39,489 SH SOLE 39,489 0 0
VANGUARD S&P 500 ETF COM 922908363 948 1,353 SH SOLE 1,353 0 0
VANGUARD S&P 600 SMALL CAP VALUE- ETF COM 921932778 1,768 16,075 SH SOLE 16,075 0 0
VANGUARD SHORT TERM BD INDEX COM 921937827 4,186 54,785 SH SOLE 54,785 0 0
VANGUARD SHORT TERM GOVT BOND ETF COM 92206C102 81,765 1,420,520 SH SOLE 1,420,520 0 0
VANGUARD SMALL-CAP VALUE - ETF COM 922908611 226 977 SH SOLE 977 0 0
VANGUARD TOTAL BOND MARKET COM 921937835 1,763 25,139 SH SOLE 25,139 0 0
VANGUARD TOTAL STOCK MARKET - ETF COM 922908769 76,324 203,944 SH SOLE 203,944 0 0
VANGUARD VALUE - ETF COM 922908744 128 591 SH SOLE 591 0 0