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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 444 2,741 SH   SOLE   0 0 2,741
ALPHABET INC CAP STK CL C 02079K107 1,262 452 SH   SOLE   0 0 452
ALPHABET INC CAP STK CL A 02079K305 1,816 653 SH   SOLE   0 0 653
AMAZON COM INC COM 023135106 808 248 SH   SOLE   0 0 248
APPLE INC COM 037833100 2,113 12,103 SH   SOLE   0 0 12,103
AT&T INC COM 00206R102 268 11,324 SH   SOLE   0 0 11,324
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,198 3,396 SH   SOLE   0 0 3,396
CISCO SYS INC COM 17275R102 221 3,966 SH   SOLE   0 0 3,966
DANAHER CORPORATION COM 235851102 291 992 SH   SOLE   0 0 992
DBX ETF TR XTRACK MSCI EURP 233051853 208 6,033 SH   SOLE   0 0 6,033
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289 1,240 33,042 SH   SOLE   0 0 33,042
EXXON MOBIL CORP COM 30231G102 268 3,240 SH   SOLE   0 0 3,240
FACEBOOK INC CL A 30303M102 403 1,813 SH   SOLE   0 0 1,813
INTEL CORP COM 458140100 206 4,157 SH   SOLE   0 0 4,157
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 754 4,780 SH   SOLE   0 0 4,780
INVESCO QQQ TR UNIT SER 1 46090E103 364 1,003 SH   SOLE   0 0 1,003
ISHARES TR RUS 1000 VAL ETF 464287598 385 2,322 SH   SOLE   0 0 2,322
ISHARES TR MSCI EAFE ETF 464287465 46,497 631,750 SH   SOLE   0 0 631,750
ISHARES TR RUS MID CAP ETF 464287499 2,104 26,956 SH   SOLE   0 0 26,956
ISHARES TR U.S. TECH ETF 464287721 269 2,612 SH   SOLE   0 0 2,612
ISHARES TR MSCI EMG MKT ETF 464287234 13,809 305,850 SH   SOLE   0 0 305,850
ISHARES TR NATIONAL MUN ETF 464288414 345 3,150 SH   SOLE   0 0 3,150
JOHNSON & JOHNSON COM 478160104 2,594 14,639 SH   SOLE   0 0 14,639
LILLY ELI & CO COM 532457108 1,223 4,272 SH   SOLE   0 0 4,272
MICROSOFT CORP COM 594918104 2,925 9,487 SH   SOLE   0 0 9,487
NIKE INC CL B 654106103 345 2,561 SH   SOLE   0 0 2,561
NVIDIA CORPORATION COM 67066G104 557 2,040 SH   SOLE   0 0 2,040
PEPSICO INC COM 713448108 348 2,078 SH   SOLE   0 0 2,078
PROCTER AND GAMBLE CO COM 742718109 298 1,948 SH   SOLE   0 0 1,948
PROSHARES TR S&P 500 DV ARIST 74348A467 937 9,870 SH   SOLE   0 0 9,870
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 133,175 2,494,385 SH   SOLE   0 0 2,494,385
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 865 16,056 SH   SOLE   0 0 16,056
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 290 3,824 SH   SOLE   0 0 3,824
SPDR S&P 500 ETF TR TR UNIT 78462F103 519 1,150 SH   SOLE   0 0 1,150
TESLA INC COM 88160R101 392 364 SH   SOLE   0 0 364
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 17,555 225,355 SH   SOLE   0 0 225,355
VANGUARD BD INDEX FDS INTERMED TERM 921937819 8,218 100,347 SH   SOLE   0 0 100,347
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 19,480 244,903 SH   SOLE   0 0 244,903
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 8,005 87,310 SH   SOLE   0 0 87,310
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 19,030 362,882 SH   SOLE   0 0 362,882
VANGUARD INDEX FDS VALUE ETF 922908744 291 1,968 SH   SOLE   0 0 1,968
VANGUARD INDEX FDS MID CAP ETF 922908629 251 1,054 SH   SOLE   0 0 1,054
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,056 22,209 SH   SOLE   0 0 22,209
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,762 81,560 SH   SOLE   0 0 81,560
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 918 9,061 SH   SOLE   0 0 9,061
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,063 52,024 SH   SOLE   0 0 52,024
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 4,849 96,786 SH   SOLE   0 0 96,786
VANGUARD STAR FDS VG TL INTL STK F 921909768 277 4,630 SH   SOLE   0 0 4,630
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 12,240 254,834 SH   SOLE   0 0 254,834
VERIZON COMMUNICATIONS INC COM 92343V104 260 5,104 SH   SOLE   0 0 5,104
VISA INC COM CL A 92826C839 568 2,562 SH   SOLE   0 0 2,562