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
AMAZON COM INC COM 023135106 786 241 SH   SOLE   0 0 241
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 7,507 126,535 SH   SOLE   0 0 126,535
AMERICAN TOWER CORP NEW COM 03027X100 348 1,564 SH   SOLE   0 0 1,564
APPLE INC COM 037833100 3,160 23,933 SH   SOLE   0 0 23,933
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 261 1,112 SH   SOLE   0 0 1,112
COCA COLA CO COM 191216100 225 4,617 SH   SOLE   0 0 4,617
EXXON MOBIL CORP COM 30231G102 388 7,824 SH   SOLE   0 0 7,824
GOLDMAN SACHS GROUP INC COM 38141G104 203 700 SH   SOLE   0 0 700
HOME DEPOT INC COM 437076102 778 2,835 SH   SOLE   0 0 2,835
INVESCO QQQ TR UNIT SER 1 46090E103 1,496 4,621 SH   SOLE   0 0 4,621
ISHARES GOLD TRUST ISHARES 464285105 247 13,875 SH   SOLE   0 0 13,875
ISHARES INC CORE MSCI EMKT 46434G103 2,806 41,733 SH   SOLE   0 0 41,733
ISHARES TR 0-5 YR TIPS ETF 46429B747 755 7,188 SH   SOLE   0 0 7,188
ISHARES TR CORE MSCI EAFE 46432F842 2,643 37,002 SH   SOLE   0 0 37,002
ISHARES TR CORE S&P SCP ETF 464287804 12,352 122,237 SH   SOLE   0 0 122,237
ISHARES TR CORE S&P TTL STK 464287150 293 3,281 SH   SOLE   0 0 3,281
ISHARES TR CORE S&P500 ETF 464287200 25,379 65,871 SH   SOLE   0 0 65,871
ISHARES TR CORE US AGGBD ET 464287226 258 2,200 SH   SOLE   0 0 2,200
ISHARES TR CRE U S REIT ETF 464288521 858 17,482 SH   SOLE   0 0 17,482
ISHARES TR EAFE GRWTH ETF 464288885 7,669 74,342 SH   SOLE   0 0 74,342
ISHARES TR EAFE SML CP ETF 464288273 5,760 81,711 SH   SOLE   0 0 81,711
ISHARES TR EAFE VALUE ETF 464288877 3,184 64,522 SH   SOLE   0 0 64,522
ISHARES TR HDG MSCI EAFE 46434V803 452 14,268 SH   SOLE   0 0 14,268
ISHARES TR IBONDS DEC2021 46435G789 448 17,398 SH   SOLE   0 0 17,398
ISHARES TR IBONDS DEC2022 46435G755 1,678 63,675 SH   SOLE   0 0 63,675
ISHARES TR JPMORGAN USD EMG 464288281 207 1,817 SH   SOLE   0 0 1,817
ISHARES TR MICRO-CAP ETF 464288869 552 4,120 SH   SOLE   0 0 4,120
ISHARES TR MSCI EAFE ETF 464287465 1,756 23,278 SH   SOLE   0 0 23,278
ISHARES TR MSCI EMG MKT ETF 464287234 217 3,859 SH   SOLE   0 0 3,859
ISHARES TR MSCI INTL MOMENT 46434V449 2,478 63,946 SH   SOLE   0 0 63,946
ISHARES TR MSCI USA MIN VOL 46429B697 245 3,586 SH   SOLE   0 0 3,586
ISHARES TR NATIONAL MUN ETF 464288414 2,119 18,086 SH   SOLE   0 0 18,086
ISHARES TR RUS 1000 ETF 464287622 1,320 6,049 SH   SOLE   0 0 6,049
ISHARES TR RUS 1000 GRW ETF 464287614 6,147 24,954 SH   SOLE   0 0 24,954
ISHARES TR RUS 1000 VAL ETF 464287598 4,266 30,065 SH   SOLE   0 0 30,065
ISHARES TR RUS 2000 VAL ETF 464287630 1,296 9,017 SH   SOLE   0 0 9,017
ISHARES TR RUSSELL 2000 ETF 464287655 1,081 5,044 SH   SOLE   0 0 5,044
ISHARES TR S&P 500 GRWT ETF 464287309 242 3,716 SH   SOLE   0 0 3,716
ISHARES TR S&P 500 VAL ETF 464287408 1,372 10,394 SH   SOLE   0 0 10,394
ISHARES TR SHORT TREAS BD 464288679 813 7,356 SH   SOLE   0 0 7,356
ISHARES TR SHRT NAT MUN ETF 464288158 3,818 35,283 SH   SOLE   0 0 35,283
ISHARES TR SP SMCP600VL ETF 464287879 1,388 15,527 SH   SOLE   0 0 15,527
MICROSOFT CORP COM 594918104 205 915 SH   SOLE   0 0 915
QUALCOMM INC COM 747525103 494 3,002 SH   SOLE   0 0 3,002
ROKU INC COM CL A 77543R102 224 522 SH   SOLE   0 0 522
SBA COMMUNICATIONS CORP NEW CL A 78410G104 440 1,615 SH   SOLE   0 0 1,615
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,940 58,113 SH   SOLE   0 0 58,113
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,408 64,455 SH   SOLE   0 0 64,455
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 3,792 97,708 SH   SOLE   0 0 97,708
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 238 5,005 SH   SOLE   0 0 5,005
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 2,324 75,070 SH   SOLE   0 0 75,070
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 980 27,134 SH   SOLE   0 0 27,134
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 953 17,111 SH   SOLE   0 0 17,111
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 539 5,725 SH   SOLE   0 0 5,725
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 5,488 41,825 SH   SOLE   0 0 41,825
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 3,405 55,273 SH   SOLE   0 0 55,273
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,673 71,266 SH   SOLE   0 0 71,266
SCHWAB STRATEGIC TR US REIT ETF 808524847 717 18,724 SH   SOLE   0 0 18,724
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,387 14,294 SH   SOLE   0 0 14,294
SCHWAB STRATEGIC TR US TIPS ETF 808524870 232 3,729 SH   SOLE   0 0 3,729
SELECT SECTOR SPDR TR ENERGY 81369Y506 234 5,350 SH   SOLE   0 0 5,350
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 1,607 47,254 SH   SOLE   0 0 47,254
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 14,051 400,426 SH   SOLE   0 0 400,426
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 7,020 153,981 SH   SOLE   0 0 153,981
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 361 9,891 SH   SOLE   0 0 9,891
SPDR SER TR DJ REIT ETF 78464A607 232 2,637 SH   SOLE   0 0 2,637
SPDR SER TR NUVEEN BLMBRG SR 78468R739 2,810 56,439 SH   SOLE   0 0 56,439
SPDR SER TR PORTFOLI S&P1500 78464A805 846 17,815 SH   SOLE   0 0 17,815
SPDR SER TR PORTFOLIO AGRGTE 78464A649 1,198 39,168 SH   SOLE   0 0 39,168
SPDR SER TR PORTFOLIO S&P500 78464A854 26,087 577,904 SH   SOLE   0 0 577,904
SPDR SER TR PORTFOLIO S&P600 78468R853 5,259 133,727 SH   SOLE   0 0 133,727
SPDR SER TR PORTFOLIO SH TSR 78468R101 210 6,852 SH   SOLE   0 0 6,852
SPDR SER TR PORTFOLIO SHORT 78464A474 8,804 280,461 SH   SOLE   0 0 280,461
SPDR SER TR PRTFLO S&P500 GW 78464A409 19,441 343,781 SH   SOLE   0 0 343,781
SPDR SER TR PRTFLO S&P500 VL 78464A508 17,892 504,566 SH   SOLE   0 0 504,566
SPDR SER TR S&P 600 SMCP VAL 78464A300 8,991 123,492 SH   SOLE   0 0 123,492
SPDR SER TR SPDR BLOOMBERG 78468R663 2,042 22,312 SH   SOLE   0 0 22,312
TESLA INC COM 88160R101 374 440 SH   SOLE   0 0 440
TEVA PHARMACEUTICAL INDS LTD SPONSORED ADS 881624209 134 11,000 SH   SOLE   0 0 11,000
THERAPEUTICSMD INC COM 88338N107 24 17,103 SH   SOLE   0 0 17,103
UNITED PARCEL SERVICE INC CL B 911312106 1,840 11,509 SH   SOLE   0 0 11,509
UNITEDHEALTH GROUP INC COM 91324P102 239 681 SH   SOLE   0 0 681
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 2,219 14,366 SH   SOLE   0 0 14,366
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 7,747 93,559 SH   SOLE   0 0 93,559
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,484 51,270 SH   SOLE   0 0 51,270
VANGUARD INDEX FDS GROWTH ETF 922908736 18,793 72,609 SH   SOLE   0 0 72,609
VANGUARD INDEX FDS LARGE CAP ETF 922908637 7,867 43,586 SH   SOLE   0 0 43,586
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 10,705 124,503 SH   SOLE   0 0 124,503
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 595 1,686 SH   SOLE   0 0 1,686
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,686 17,613 SH   SOLE   0 0 17,613
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,366 20,891 SH   SOLE   0 0 20,891
VANGUARD INDEX FDS SML CP GRW ETF 922908595 319 1,108 SH   SOLE   0 0 1,108
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,424 21,969 SH   SOLE   0 0 21,969
VANGUARD INDEX FDS VALUE ETF 922908744 11,294 91,703 SH   SOLE   0 0 91,703
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 715 11,655 SH   SOLE   0 0 11,655
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,888 126,671 SH   SOLE   0 0 126,671
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,003 7,977 SH   SOLE   0 0 7,977
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 4,277 78,153 SH   SOLE   0 0 78,153
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 297 3,083 SH   SOLE   0 0 3,083
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,345 45,675 SH   SOLE   0 0 45,675
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 883 15,994 SH   SOLE   0 0 15,994
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 261 2,707 SH   SOLE   0 0 2,707
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,100 73,367 SH   SOLE   0 0 73,367
VANGUARD STAR FDS VG TL INTL STK F 921909768 330 5,228 SH   SOLE   0 0 5,228
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 11,545 235,951 SH   SOLE   0 0 235,951
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 224 2,357 SH   SOLE   0 0 2,357
VERIZON COMMUNICATIONS INC COM 92343V104 272 4,746 SH   SOLE   0 0 4,746