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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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
23ANDME HOLDING CO CLASS A COM 90138Q108   36,124 16,724 SH   SOLE   0 0 16,724
8X8 INC NEW COM 282914100   81,164 18,788 SH   SOLE   0 0 18,788
ALPHABET INC CAP STK CL C 02079K107   499,994 5,635 SH   SOLE   0 0 5,635
ALPHABET INC CAP STK CL A 02079K305   354,596 4,019 SH   SOLE   0 0 4,019
AMAZON COM INC COM 023135106   231,924 2,761 SH   SOLE   0 0 2,761
APPLE INC COM 037833100   2,796,094 21,520 SH   SOLE   0 0 21,520
BECTON DICKINSON & CO COM 075887109   319,147 1,255 SH   SOLE   0 0 1,255
CATERPILLAR INC COM 149123101   498,285 2,080 SH   SOLE   0 0 2,080
CHURCH & DWIGHT CO INC COM 171340102   1,228,496 15,240 SH   SOLE   0 0 15,240
CINCINNATI FINL CORP COM 172062101   1,480,969 14,464 SH   SOLE   0 0 14,464
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   3,963,661 163,248 SH   SOLE   0 0 163,248
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   23,113,145 1,070,053 SH   SOLE   0 0 1,070,053
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   10,743,797 244,455 SH   SOLE   0 0 244,455
DOLBY LABORATORIES INC COM CL A 25659T107   428,389 6,073 SH   SOLE   0 0 6,073
EXXON MOBIL CORP COM 30231G102   259,757 2,355 SH   SOLE   0 0 2,355
GRAINGER W W INC COM 384802104   614,656 1,105 SH   SOLE   0 0 1,105
HOME DEPOT INC COM 437076102   247,634 784 SH   SOLE   0 0 784
INTERNATIONAL BUSINESS MACHS COM 459200101   261,351 1,855 SH   SOLE   0 0 1,855
INTUIT COM 461202103   309,430 795 SH   SOLE   0 0 795
ISHARES INC CORE MSCI EMKT 46434G103   1,912,692 40,957 SH   SOLE   0 0 40,957
ISHARES TR MSCI EAFE ETF 464287465   728,017 11,091 SH   SOLE   0 0 11,091
ISHARES TR CORE MSCI EAFE 46432F842   1,479,607 24,004 SH   SOLE   0 0 24,004
ISHARES TR CORE S&P500 ETF 464287200   3,635,395 9,462 SH   SOLE   0 0 9,462
ISHARES TR IBOXX HI YD ETF 464288513   11,053,925 150,128 SH   SOLE   0 0 150,128
ISHARES TR CORE US AGGBD ET 464287226   4,707,778 48,539 SH   SOLE   0 0 48,539
ISHARES TR JPMORGAN USD EMG 464288281   4,566,048 53,979 SH   SOLE   0 0 53,979
ISHARES TR U.S. REAL ES ETF 464287739   1,452,867 17,257 SH   SOLE   0 0 17,257
ISHARES TR RUS 1000 GRW ETF 464287614   411,555 1,921 SH   SOLE   0 0 1,921
ISHARES TR TIPS BD ETF 464287176   9,402,590 88,337 SH   SOLE   0 0 88,337
ISHARES TR RUS MID CAP ETF 464287499   623,305 9,241 SH   SOLE   0 0 9,241
ISHARES TR RUS MD CP GR ETF 464287481   510,545 6,107 SH   SOLE   0 0 6,107
ISHARES TR ISHS 1-5YR INVS 464288646   11,772,317 236,297 SH   SOLE   0 0 236,297
ISHARES TR CORE S&P SCP ETF 464287804   2,079,619 21,974 SH   SOLE   0 0 21,974
JPMORGAN CHASE & CO COM 46625H100   389,426 2,904 SH   SOLE   0 0 2,904
LINDE PLC SHS G5494J103   221,802 680 SH   SOLE   0 0 680
LOCKHEED MARTIN CORP COM 539830109   407,679 838 SH   SOLE   0 0 838
MICROSOFT CORP COM 594918104   593,609 2,475 SH   SOLE   0 0 2,475
NVIDIA CORPORATION COM 67066G104   810,346 5,545 SH   SOLE   0 0 5,545
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   8,039,861 276,569 SH   SOLE   0 0 276,569
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   19,956,915 843,131 SH   SOLE   0 0 843,131
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   86,199,624 1,909,183 SH   SOLE   0 0 1,909,183
SCHWAB STRATEGIC TR US TIPS ETF 808524870   27,204,562 525,286 SH   SOLE   0 0 525,286
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   14,297,568 352,939 SH   SOLE   0 0 352,939
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   17,205,501 534,166 SH   SOLE   0 0 534,166
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   39,168,385 858,015 SH   SOLE   0 0 858,015
SCHWAB STRATEGIC TR US REIT ETF 808524847   12,802,773 663,700 SH   SOLE   0 0 663,700
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   325,225 2,394 SH   SOLE   0 0 2,394
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   348,464 10,189 SH   SOLE   0 0 10,189
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,739,913 9,779 SH   SOLE   0 0 9,779
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   218,295 493 SH   SOLE   0 0 493
SPDR SER TR BLOOMBERG HIGH Y 78468R622   1,925,640 21,396 SH   SOLE   0 0 21,396
SPLUNK INC COM 848637104   283,494 3,293 SH   SOLE   0 0 3,293
UNITEDHEALTH GROUP INC COM 91324P102   268,801 507 SH   SOLE   0 0 507
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   11,580,824 161,203 SH   SOLE   0 0 161,203
VANGUARD INDEX FDS TOTAL STK MKT 922908769   918,668 4,805 SH   SOLE   0 0 4,805
VANGUARD INDEX FDS VALUE ETF 922908744   591,379 4,213 SH   SOLE   0 0 4,213
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,852,084 11,663 SH   SOLE   0 0 11,663
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,611,661 36,023 SH   SOLE   0 0 36,023
VANGUARD INDEX FDS LARGE CAP ETF 922908637   16,268,886 93,392 SH   SOLE   0 0 93,392
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,958,981 35,875 SH   SOLE   0 0 35,875
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   325,354 5,056 SH   SOLE   0 0 5,056
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   210,087 4,190 SH   SOLE   0 0 4,190
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,329,803 162,386 SH   SOLE   0 0 162,386
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   465,973 8,405 SH   SOLE   0 0 8,405
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   44,142,545 587,080 SH   SOLE   0 0 587,080
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,482,205 130,622 SH   SOLE   0 0 130,622
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   18,300,647 300,109 SH   SOLE   0 0 300,109