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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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 850,712 6,090 SH   SOLE   0 0 6,090
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 248,037 1,760 SH   SOLE   0 0 1,760
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,199,566 7,895 SH   SOLE   0 0 7,895
APPLE INC COM 037833100 BBG001S5N8V8 2,203,994 11,956 SH   SOLE   0 0 11,956
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,024,684 2,873 SH   SOLE   0 0 2,873
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 598,806 907 SH   SOLE   0 0 907
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,055,811 10,560 SH   SOLE   0 0 10,560
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 7,169,867 45,436 SH   SOLE   0 0 45,436
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 506,002 10,004 SH   SOLE   0 0 10,004
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 455,892 10,798 SH   SOLE   0 0 10,798
ISHARES TR AGGRES ALLOC ETF 464289859 BBG001T3YVL0 646,101 9,357 SH   SOLE   0 0 9,357
ISHARES TR BLACKROCK ULTRA 46434V878 BBG005PCDCZ5 765,472 15,200 SH   SOLE   0 0 15,200
ISHARES TR COHEN STEER REIT 464287564 BBG001SDX760 292,240 4,976 SH   SOLE   0 0 4,976
ISHARES TR CORE 1 5 YR USD 46432F859 BBG003HC6JD6 22,738,688 478,105 SH   SOLE   0 0 478,105
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,421,808 20,210 SH   SOLE   0 0 20,210
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 1,128,630 18,169 SH   SOLE   0 0 18,169
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 701,157 2,530 SH   SOLE   0 0 2,530
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 549,124 5,073 SH   SOLE   0 0 5,073
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,362,098 4,945 SH   SOLE   0 0 4,945
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 324,647 3,271 SH   SOLE   0 0 3,271
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 394,259 6,369 SH   SOLE   0 0 6,369
ISHARES TR GLOB HLTHCRE ETF 464287325 BBG001SJX8Q3 217,667 2,510 SH   SOLE   0 0 2,510
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 17,559,832 342,464 SH   SOLE   0 0 342,464
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 2,380,248 45,774 SH   SOLE   0 0 45,774
ISHARES TR MORNINGSTAR GRWT 464287119 BBG001SBRHJ5 474,672 6,999 SH   SOLE   0 0 6,999
ISHARES TR MORNINGSTAR VALU 464288109 BBG001SBRHX9 362,846 5,138 SH   SOLE   0 0 5,138
ISHARES TR MRGSTR MD CP GRW 464288307 BBG001SBRK44 1,828,382 28,369 SH   SOLE   0 0 28,369
ISHARES TR MRGSTR MD CP VAL 464288406 BBG001SBRK53 1,427,876 21,085 SH   SOLE   0 0 21,085
ISHARES TR MRGSTR SM CP GR 464288604 BBG001SBRKD4 686,048 15,592 SH   SOLE   0 0 15,592
ISHARES TR MRNING SM CP ETF 464288703 BBG001SBRKG1 623,837 10,536 SH   SOLE   0 0 10,536
ISHARES TR MSCI ACWI ETF 464288257 BBG001S56QV7 483,408 4,750 SH   SOLE   0 0 4,750
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 380,245 9,456 SH   SOLE   0 0 9,456
ISHARES TR NORTH AMERN NAT 464287374 BBG001SJKDG7 1,292,140 31,732 SH   SOLE   0 0 31,732
ISHARES TR RESIDENTIAL MULT 464288562 BBG001ST7G73 558,311 7,594 SH   SOLE   0 0 7,594
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 502,225 6,687 SH   SOLE   0 0 6,687
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 272,833 1,569 SH   SOLE   0 0 1,569
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 261,997 2,235 SH   SOLE   0 0 2,235
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 965,289 8,765 SH   SOLE   0 0 8,765
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1,815,291 16,888 SH   SOLE   0 0 16,888
ISHARES TR U.S. REAL ES ETF 464287739 BBG001SFGXJ3 605,732 6,627 SH   SOLE   0 0 6,627
MCDONALDS CORP COM 580135101 BBG001S5T110 317,883 1,072 SH   SOLE   0 0 1,072
MICROSOFT CORP COM 594918104 BBG001S5TD05 518,619 1,379 SH   SOLE   0 0 1,379
PIMCO ETF TR 1-5 US TIP IDX 72201R205 BBG001T5DWK7 520,093 10,168 SH   SOLE   0 0 10,168
S&P GLOBAL INC COM 78409V104 BBG001S5T5M8 262,109 595 SH   SOLE   0 0 595
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 5,404,810 218,024 SH   SOLE   0 0 218,024
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 23,003,261 622,383 SH   SOLE   0 0 622,383
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 6,168,362 176,795 SH   SOLE   0 0 176,795
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 16,663,762 343,937 SH   SOLE   0 0 343,937
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 392,867 8,427 SH   SOLE   0 0 8,427
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 10,716,211 140,762 SH   SOLE   0 0 140,762
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 6,427,215 77,474 SH   SOLE   0 0 77,474
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 6,253,874 89,214 SH   SOLE   0 0 89,214
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 36,351,004 644,521 SH   SOLE   0 0 644,521
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 10,213,489 135,601 SH   SOLE   0 0 135,601
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 9,117,790 440,260 SH   SOLE   0 0 440,260
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 7,635,332 161,629 SH   SOLE   0 0 161,629
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 339,327 1,775 SH   SOLE   0 0 1,775
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 BBG001SRXRN6 5,150,450 190,475 SH   SOLE   0 0 190,475
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 990,071 2,083 SH   SOLE   0 0 2,083
SPDR SER TR S&P 400 MDCP GRW 78464A821 BBG001SPTBN0 2,251,349 29,752 SH   SOLE   0 0 29,752
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 2,106,584 28,708 SH   SOLE   0 0 28,708
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 1,239,403 14,820 SH   SOLE   0 0 14,820
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 1,313,768 15,770 SH   SOLE   0 0 15,770
UNION PAC CORP COM 907818108 BBG001S5X2M0 1,274,277 5,188 SH   SOLE   0 0 5,188
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 1,012,493 13,256 SH   SOLE   0 0 13,256
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 3,989,097 51,793 SH   SOLE   0 0 51,793
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 15,116,217 205,523 SH   SOLE   0 0 205,523
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 402,325 8,150 SH   SOLE   0 0 8,150
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 475,294 2,179 SH   SOLE   0 0 2,179
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 241,276 1,131 SH   SOLE   0 0 1,131
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 1,237,314 5,216 SH   SOLE   0 0 5,216
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 485,892 8,655 SH   SOLE   0 0 8,655
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 6,249,599 152,058 SH   SOLE   0 0 152,058
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 799,941 7,166 SH   SOLE   0 0 7,166
VISA INC COM CL A 92826C839 BBG001SRCFY3 312,420 1,200 SH   SOLE   0 0 1,200