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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 640,014 6,170 SH   SOLE   0 0 6,170
AMAZON COM INC COM 023135106 BBG001S5PQL7 826,320 8,000 SH   SOLE   0 0 8,000
APPLE INC COM 037833100 BBG001S5N8V8 2,049,759 12,430 SH   SOLE   0 0 12,430
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 886,479 2,871 SH   SOLE   0 0 2,871
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 211,945 1,299 SH   SOLE   0 0 1,299
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 438,316 882 SH   SOLE   0 0 882
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,401,456 12,780 SH   SOLE   0 0 12,780
INVESCO EXCHANGE TRADED FD T S&P MDCP400 EQ 46137V225 BBG00KJR2CS6 1,739,468 19,996 SH   SOLE   0 0 19,996
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 5,050,191 34,920 SH   SOLE   0 0 34,920
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 493,804 10,121 SH   SOLE   0 0 10,121
ISHARES TR 3YRTB ETF 464288125 BBG001T33X85 418,020 5,953 SH   SOLE   0 0 5,953
ISHARES TR AGGRES ALLOC ETF 464289859 BBG001T3YVL0 726,951 11,432 SH   SOLE   0 0 11,432
ISHARES TR BLACKROCK ULTRA 46434V878 BBG005PCDCZ5 763,800 15,200 SH   SOLE   0 0 15,200
ISHARES TR COHEN STEER REIT 464287564 BBG001SDX760 322,299 5,803 SH   SOLE   0 0 5,803
ISHARES TR CORE 1 5 YR USD 46432F859 BBG003HC6JD6 22,356,718 474,111 SH   SOLE   0 0 474,111
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,493,997 22,348 SH   SOLE   0 0 22,348
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 1,146,230 19,336 SH   SOLE   0 0 19,336
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 675,653 2,701 SH   SOLE   0 0 2,701
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 572,709 5,923 SH   SOLE   0 0 5,923
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,490,099 6,057 SH   SOLE   0 0 6,057
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 328,712 3,299 SH   SOLE   0 0 3,299
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 405,518 6,814 SH   SOLE   0 0 6,814
ISHARES TR GLOB HLTHCRE ETF 464287325 BBG001SJX8Q3 209,234 2,510 SH   SOLE   0 0 2,510
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 491,151 6,501 SH   SOLE   0 0 6,501
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 14,849,906 293,825 SH   SOLE   0 0 293,825
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 2,382,059 46,452 SH   SOLE   0 0 46,452
ISHARES TR MORNINGSTAR GRWT 464287119 BBG001SBRHJ5 546,724 9,876 SH   SOLE   0 0 9,876
ISHARES TR MORNINGSTAR VALU 464288109 BBG001SBRHX9 391,068 6,120 SH   SOLE   0 0 6,120
ISHARES TR MRGSTR MD CP GRW 464288307 BBG001SBRK44 1,874,096 32,559 SH   SOLE   0 0 32,559
ISHARES TR MRGSTR MD CP VAL 464288406 BBG001SBRK53 1,427,819 23,074 SH   SOLE   0 0 23,074
ISHARES TR MRGSTR SM CP GR 464288604 BBG001SBRKD4 730,216 18,732 SH   SOLE   0 0 18,732
ISHARES TR MRNING SM CP ETF 464288703 BBG001SBRKG1 614,789 11,785 SH   SOLE   0 0 11,785
ISHARES TR MSCI ACWI ETF 464288257 BBG001S56QV7 433,010 4,750 SH   SOLE   0 0 4,750
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 476,459 12,074 SH   SOLE   0 0 12,074
ISHARES TR NORTH AMERN NAT 464287374 BBG001SJKDG7 751,175 19,177 SH   SOLE   0 0 19,177
ISHARES TR RESIDENTIAL MULT 464288562 BBG001ST7G73 652,811 9,244 SH   SOLE   0 0 9,244
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 544,312 8,520 SH   SOLE   0 0 8,520
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 297,298 1,959 SH   SOLE   0 0 1,959
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 313,233 2,673 SH   SOLE   0 0 2,673
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 1,242,020 11,240 SH   SOLE   0 0 11,240
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1,861,902 16,888 SH   SOLE   0 0 16,888
ISHARES TR U.S. REAL ES ETF 464287739 BBG001SFGXJ3 608,779 7,171 SH   SOLE   0 0 7,171
MCDONALDS CORP COM 580135101 BBG001S5T110 355,384 1,271 SH   SOLE   0 0 1,271
PIMCO ETF TR 1-5 US TIP IDX 72201R205 BBG001T5DWK7 592,370 11,606 SH   SOLE   0 0 11,606
S&P GLOBAL INC COM 78409V104 BBG001S5T5M8 205,138 595 SH   SOLE   0 0 595
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 4,895,130 199,638 SH   SOLE   0 0 199,638
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 20,507,522 589,297 SH   SOLE   0 0 589,297
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 5,510,795 163,477 SH   SOLE   0 0 163,477
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 235,806 4,676 SH   SOLE   0 0 4,676
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 16,669,606 341,660 SH   SOLE   0 0 341,660
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 3,446,024 73,460 SH   SOLE   0 0 73,460
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 9,548,843 130,520 SH   SOLE   0 0 130,520
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 5,717,146 87,727 SH   SOLE   0 0 87,727
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 5,392,421 82,227 SH   SOLE   0 0 82,227
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 33,604,058 694,729 SH   SOLE   0 0 694,729
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 6,947,656 102,397 SH   SOLE   0 0 102,397
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 7,703,597 395,056 SH   SOLE   0 0 395,056
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 6,179,288 147,372 SH   SOLE   0 0 147,372
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 325,216 1,775 SH   SOLE   0 0 1,775
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 BBG001SRXRN6 4,695,319 182,484 SH   SOLE   0 0 182,484
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 888,376 2,170 SH   SOLE   0 0 2,170
SPDR SER TR S&P 400 MDCP GRW 78464A821 BBG001SPTBN0 1,971,565 28,807 SH   SOLE   0 0 28,807
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 1,788,645 27,068 SH   SOLE   0 0 27,068
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 1,033,760 14,017 SH   SOLE   0 0 14,017
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 1,095,136 14,376 SH   SOLE   0 0 14,376
UNION PAC CORP COM 907818108 BBG001S5X2M0 1,301,750 6,468 SH   SOLE   0 0 6,468
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 10,815,061 146,486 SH   SOLE   0 0 146,486
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 414,158 2,217 SH   SOLE   0 0 2,217
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 220,458 1,163 SH   SOLE   0 0 1,163
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 1,069,848 5,242 SH   SOLE   0 0 5,242
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 505,773 9,459 SH   SOLE   0 0 9,459
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 5,410,617 133,926 SH   SOLE   0 0 133,926
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 782,283 7,415 SH   SOLE   0 0 7,415
VISA INC COM CL A 92826C839 BBG001SRCFY3 270,552 1,200 SH   SOLE   0 0 1,200