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
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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
ALPHABET INC CAP STK CL A 02079K305 527 186 SH   SOLE 0 0 0 186
CHEVRON CORP NEW COM 166764100 204 1,232 SH   SOLE 0 0 0 1,232
FLEXSHARES TR MORNSTAR UPSTR 33939L407 268 5,650 SH   SOLE 0 0 0 5,650
FORTUNE BRANDS HOME & SEC IN COM 34964C106 380 4,877 SH   SOLE 0 0 0 4,877
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 40,526 448,594 SH   SOLE 0 0 0 448,594
HONEYWELL INTL INC COM 438516106 320 1,629 SH   SOLE 0 0 0 1,629
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 3,619 103,771 SH   SOLE 0 0 0 103,771
ISHARES TR COHEN STEER REIT 464287564 267 3,720 SH   SOLE 0 0 0 3,720
ISHARES TR CORE INTL AGGR 46435G672 377 7,270 SH   SOLE 0 0 0 7,270
ISHARES TR CORE MSCI EAFE 46432F842 885 12,474 SH   SOLE 0 0 0 12,474
ISHARES TR CORE S&P MCP ETF 464287507 1,000 3,670 SH   SOLE 0 0 0 3,670
ISHARES TR CORE S&P SCP ETF 464287804 665 6,099 SH   SOLE 0 0 0 6,099
ISHARES TR CORE S&P US GWT 464287671 656 6,110 SH   SOLE 0 0 0 6,110
ISHARES TR CORE S&P500 ETF 464287200 51,198 111,100 SH   SOLE 0 0 0 111,100
ISHARES TR CORE US AGGBD ET 464287226 575 5,357 SH   SOLE 0 0 0 5,357
ISHARES TR EAFE GRWTH ETF 464288885 532 5,440 SH   SOLE 0 0 0 5,440
ISHARES TR EAFE SML CP ETF 464288273 1,828 27,179 SH   SOLE 0 0 0 27,179
ISHARES TR EAFE VALUE ETF 464288877 291 5,676 SH   SOLE 0 0 0 5,676
ISHARES TR RUS 2000 VAL ETF 464287630 6,316 38,674 SH   SOLE 0 0 0 38,674
ISHARES TR S&P 500 GRWT ETF 464287309 17,428 224,263 SH   SOLE 0 0 0 224,263
ISHARES TR S&P 500 VAL ETF 464287408 19,327 122,399 SH   SOLE 0 0 0 122,399
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 4,666 92,197 SH   SOLE 0 0 0 92,197
JOHNSON & JOHNSON COM 478160104 205 1,151 SH   SOLE 0 0 0 1,151
META PLATFORMS INC CL A 30303M102 301 1,322 SH   SOLE 0 0 0 1,322
MICROSOFT CORP COM 594918104 1,430 4,563 SH   SOLE 0 0 0 4,563
NICE LTD SPONSORED ADR 653656108 204 920 SH   SOLE 0 0 0 920
NVIDIA CORPORATION COM 67066G104 360 1,302 SH   SOLE 0 0 0 1,302
PIMCO ETF TR ACTIVE BD ETF 72201R775 788 7,768 SH   SOLE 0 0 0 7,768
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,000 35,390 SH   SOLE 0 0 0 35,390
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 4,087 68,878 SH   SOLE 0 0 0 68,878
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,785 87,445 SH   SOLE 0 0 0 87,445
SCHWAB STRATEGIC TR US REIT ETF 808524847 486 19,379 SH   SOLE 0 0 0 19,379
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,514 3,301 SH   SOLE 0 0 0 3,301
SPDR SER TR S&P 600 SMCP GRW 78464A201 222 2,607 SH   SOLE 0 0 0 2,607
UNITEDHEALTH GROUP INC COM 91324P102 1,590 3,053 SH   SOLE 0 0 0 3,053
VANGUARD INDEX FDS GROWTH ETF 922908736 4,354 14,888 SH   SOLE 0 0 0 14,888
VANGUARD INDEX FDS MID CAP ETF 922908629 2,478 10,274 SH   SOLE 0 0 0 10,274
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 255 2,322 SH   SOLE 0 0 0 2,322
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 228 541 SH   SOLE 0 0 0 541
VANGUARD INDEX FDS SM CP VAL ETF 922908611 437 2,437 SH   SOLE 0 0 0 2,437
VANGUARD INDEX FDS SMALL CP ETF 922908751 951 4,415 SH   SOLE 0 0 0 4,415
VANGUARD INDEX FDS VALUE ETF 922908744 20,075 133,890 SH   SOLE 0 0 0 133,890
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 622 10,625 SH   SOLE 0 0 0 10,625
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 302 6,426 SH   SOLE 0 0 0 6,426
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 500 3,990 SH   SOLE 0 0 0 3,990