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 1,109,308 6,090 SH   SOLE   0 0 6,090
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 328,138 1,789 SH   SOLE   0 0 1,789
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,531,506 7,925 SH   SOLE   0 0 7,925
APPLE INC COM 037833100 BBG001S5N8V8 2,139,287 9,123 SH   SOLE   0 0 9,123
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,159,380 2,850 SH   SOLE   0 0 2,850
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 773,645 910 SH   SOLE   0 0 910
ELI LILLY & CO COM 532457108 BBG001S5STL8 296,059 327 SH   SOLE   0 0 327
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,218,999 10,589 SH   SOLE   0 0 10,589
INVESCO EXCHANGE TRADED FD T S&P MIDCAP 400 46137V225 BBG00KJR2CS6 226,875 1,983 SH   SOLE   0 0 1,983
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 7,704,143 46,896 SH   SOLE   0 0 46,896
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 516,083 9,641 SH   SOLE   0 0 9,641
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 472,302 11,192 SH   SOLE   0 0 11,192
ISHARES TR AGGRES ALLOC ETF 464289859 BBG001T3YVL0 692,868 9,265 SH   SOLE   0 0 9,265
ISHARES TR BLACKROCK ULTRA 46434V878 BBG005PCDCZ5 768,056 15,200 SH   SOLE   0 0 15,200
ISHARES TR COHEN STEER REIT 464287564 BBG001SDX760 257,232 4,490 SH   SOLE   0 0 4,490
ISHARES TR CORE 1 5 YR USD 46432F859 BBG003HC6JD6 22,823,353 481,810 SH   SOLE   0 0 481,810
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,380,559 19,005 SH   SOLE   0 0 19,005
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 1,042,215 16,027 SH   SOLE   0 0 16,027
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 720,932 12,319 SH   SOLE   0 0 12,319
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 507,247 4,756 SH   SOLE   0 0 4,756
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,586,458 4,726 SH   SOLE   0 0 4,726
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 313,148 3,226 SH   SOLE   0 0 3,226
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 376,946 6,115 SH   SOLE   0 0 6,115
ISHARES TR GLOB HLTHCRE ETF 464287325 BBG001SJX8Q3 233,028 2,510 SH   SOLE   0 0 2,510
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 18,373,527 358,578 SH   SOLE   0 0 358,578
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 2,342,890 45,706 SH   SOLE   0 0 45,706
ISHARES TR MORNINGSTAR GRWT 464287119 BBG001SBRHJ5 569,789 6,999 SH   SOLE   0 0 6,999
ISHARES TR MORNINGSTAR VALU 464288109 BBG001SBRHX9 386,804 5,068 SH   SOLE   0 0 5,068
ISHARES TR MRGSTR MD CP GRW 464288307 BBG001SBRK44 1,882,908 27,792 SH   SOLE   0 0 27,792
ISHARES TR MRGSTR MD CP VAL 464288406 BBG001SBRK53 1,477,007 21,028 SH   SOLE   0 0 21,028
ISHARES TR MRGSTR SM CP GR 464288604 BBG001SBRKD4 699,846 15,388 SH   SOLE   0 0 15,388
ISHARES TR MRNING SM CP ETF 464288703 BBG001SBRKG1 606,897 10,480 SH   SOLE   0 0 10,480
ISHARES TR MSCI ACWI ETF 464288257 BBG001S56QV7 533,900 4,750 SH   SOLE   0 0 4,750
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 370,851 8,707 SH   SOLE   0 0 8,707
ISHARES TR NORTH AMERN NAT 464287374 BBG001SJKDG7 1,528,970 34,749 SH   SOLE   0 0 34,749
ISHARES TR RESIDENTIAL MULT 464288562 BBG001ST7G73 548,944 7,130 SH   SOLE   0 0 7,130
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 584,891 6,320 SH   SOLE   0 0 6,320
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 285,392 1,568 SH   SOLE   0 0 1,568
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 267,135 2,208 SH   SOLE   0 0 2,208
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 911,183 8,246 SH   SOLE   0 0 8,246
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1,803,301 16,888 SH   SOLE   0 0 16,888
ISHARES TR U.S. REAL ES ETF 464287739 BBG001SFGXJ3 570,007 6,497 SH   SOLE   0 0 6,497
MCDONALDS CORP COM 580135101 BBG001S5T110 252,346 990 SH   SOLE   0 0 990
MICROSOFT CORP COM 594918104 BBG001S5TD05 622,773 1,393 SH   SOLE   0 0 1,393
PIMCO ETF TR 1-5 US TIP IDX 72201R205 BBG001T5DWK7 520,893 10,087 SH   SOLE   0 0 10,087
S&P GLOBAL INC COM 78409V104 BBG001S5T5M8 265,370 595 SH   SOLE   0 0 595
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 5,877,218 221,281 SH   SOLE   0 0 221,281
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 24,055,861 626,129 SH   SOLE   0 0 626,129
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 6,348,381 178,426 SH   SOLE   0 0 178,426
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 16,659,877 346,143 SH   SOLE   0 0 346,143
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 376,582 8,262 SH   SOLE   0 0 8,262
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 10,893,165 140,087 SH   SOLE   0 0 140,087
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 7,690,931 76,269 SH   SOLE   0 0 76,269
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 6,591,388 88,977 SH   SOLE   0 0 88,977
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 40,509,390 630,496 SH   SOLE   0 0 630,496
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 10,682,501 137,254 SH   SOLE   0 0 137,254
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 9,040,444 452,701 SH   SOLE   0 0 452,701
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 7,849,394 165,425 SH   SOLE   0 0 165,425
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 381,643 1,775 SH   SOLE   0 0 1,775
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 BBG001SRXRN6 5,475,302 193,405 SH   SOLE   0 0 193,405
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,133,610 2,083 SH   SOLE   0 0 2,083
SPDR SER TR S&P 400 MDCP GRW 78464A821 BBG001SPTBN0 2,495,842 29,691 SH   SOLE   0 0 29,691
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 2,119,554 29,059 SH   SOLE   0 0 29,059
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 1,285,503 14,972 SH   SOLE   0 0 14,972
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 1,255,124 16,028 SH   SOLE   0 0 16,028
UNION PAC CORP COM 907818108 BBG001S5X2M0 1,173,837 5,188 SH   SOLE   0 0 5,188
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 924,068 12,339 SH   SOLE   0 0 12,339
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 3,924,816 51,171 SH   SOLE   0 0 51,171
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 15,459,264 214,563 SH   SOLE   0 0 214,563
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 402,063 8,261 SH   SOLE   0 0 8,261
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 541,113 2,168 SH   SOLE   0 0 2,168
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 209,623 866 SH   SOLE   0 0 866
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 247,039 1,133 SH   SOLE   0 0 1,133
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 1,387,447 5,187 SH   SOLE   0 0 5,187
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 493,045 8,408 SH   SOLE   0 0 8,408
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 6,800,101 155,395 SH   SOLE   0 0 155,395
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 846,567 7,138 SH   SOLE   0 0 7,138
VISA INC COM CL A 92826C839 BBG001SRCFY3 314,964 1,200 SH   SOLE   0 0 1,200