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
ISHARES TR CORE INTL AGGR 46435G672 2,075,272 42,180 SH SOLE 42,180 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,339,610 177,987 SH SOLE 177,987 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,159,152 34,073 SH SOLE 34,073 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,845,350 56,554 SH SOLE 56,554 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 213,736 280 SH SOLE 280 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 12,333,603 260,422 SH SOLE 260,422 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,381,804 48,208 SH SOLE 48,208 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 12,841,408 151,147 SH SOLE 151,147 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 23,121,496 1,046,222 SH SOLE 1,046,222 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 12,080,766 257,750 SH SOLE 257,750 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 35,208,726 498,637 SH SOLE 498,637 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,498,101 126,422 SH SOLE 126,422 0 0
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 25,212,820 279,800 SH SOLE 279,800 0 0
VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 6,414,409 21,960 SH SOLE 21,960 0 0
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 6,857,765 35,073 SH SOLE 35,073 0 0
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 5,766,024 17,068 SH SOLE 17,068 0 0
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 24,524,697 113,498 SH SOLE 113,498 0 0
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 237,329 834 SH SOLE 834 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,728,000 18,278 SH SOLE 18,278 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,903,142 52,212 SH SOLE 52,212 0 0
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 5,763,062 24,945 SH SOLE 24,945 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,000,966 1,307 SH SOLE 1,307 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,575,705 166,571 SH SOLE 166,571 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 7,357,558 19,660 SH SOLE 19,660 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,891,208 80,468 SH SOLE 80,468 0 0
ISHARES TR NATIONAL MUN ETF 464288414 11,297,796 111,749 SH SOLE 111,749 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,409,172 6,040 SH SOLE 6,040 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 305,731 9,398 SH SOLE 9,398 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 390,293 11,717 SH SOLE 11,717 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 281,503 1,013 SH SOLE 1,013 0 0
ISHARES TR RUS MID CAP ETF 464287499 213,420 2,000 SH SOLE 2,000 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 241,553 2,695 SH SOLE 2,695 0 0
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808 529,200 5,000 SH SOLE 5,000 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 862,572 1,166 SH SOLE 1,166 0 0
NETFLIX INC. COM 64110L106 224,535 3,227 SH SOLE 3,227 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 314,686 449 SH SOLE 449 0 0
PROGRESSIVE CORP COM 743315103 205,129 989 SH SOLE 989 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 747,005 1 SH SOLE 1 0 0
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 420,058 2,581 SH SOLE 2,581 0 0