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   38,131 16,724 SH   SOLE   0 0 16,724
8X8 INC NEW COM 282914100   78,346 18,788 SH   SOLE   0 0 18,788
ALPHABET INC CAP STK CL A 02079K305   879,527 8,479 SH   SOLE   0 0 8,479
ALPHABET INC CAP STK CL C 02079K107   3,401,407 32,706 SH   SOLE   0 0 32,706
AMAZON COM INC COM 023135106   314,828 3,048 SH   SOLE   0 0 3,048
APPLE INC COM 037833100   3,565,187 21,620 SH   SOLE   0 0 21,620
BECTON DICKINSON & CO COM 075887109   285,661 1,154 SH   SOLE   0 0 1,154
CATERPILLAR INC COM 149123101   474,156 2,072 SH   SOLE   0 0 2,072
CHURCH & DWIGHT CO INC COM 171340102   1,347,368 15,240 SH   SOLE   0 0 15,240
CINCINNATI FINL CORP COM 172062101   1,621,125 14,464 SH   SOLE   0 0 14,464
CITY OFFICE REIT INC COM 178587101   82,800 12,000 SH   SOLE   0 0 12,000
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   25,118,108 1,089,250 SH   SOLE   0 0 1,089,250
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   11,319,994 254,382 SH   SOLE   0 0 254,382
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   4,159,559 163,248 SH   SOLE   0 0 163,248
DOLBY LABORATORIES INC COM CL A 25659T107   518,756 6,073 SH   SOLE   0 0 6,073
EXXON MOBIL CORP COM 30231G102   258,249 2,355 SH   SOLE   0 0 2,355
GRAINGER W W INC COM 384802104   761,135 1,105 SH   SOLE   0 0 1,105
HOME DEPOT INC COM 437076102   231,374 784 SH   SOLE   0 0 784
INDEPENDENCE RLTY TR INC COM 45378A106   288,540 18,000 SH   SOLE   0 0 18,000
INTERNATIONAL BUSINESS MACHS COM 459200101   245,892 1,876 SH   SOLE   0 0 1,876
INTUIT COM 461202103   352,206 790 SH   SOLE   0 0 790
ISHARES INC CORE MSCI EMKT 46434G103   1,899,200 38,926 SH   SOLE   0 0 38,926
ISHARES TR CORE S&P500 ETF 464287200   3,611,338 8,785 SH   SOLE   0 0 8,785
ISHARES TR CORE MSCI EAFE 46432F842   1,499,780 22,435 SH   SOLE   0 0 22,435
ISHARES TR RUS MD CP GR ETF 464287481   556,042 6,107 SH   SOLE   0 0 6,107
ISHARES TR U.S. REAL ES ETF 464287739   1,425,641 16,792 SH   SOLE   0 0 16,792
ISHARES TR ISHS 1-5YR INVS 464288646   11,583,465 229,194 SH   SOLE   0 0 229,194
ISHARES TR JPMORGAN USD EMG 464288281   4,612,492 53,460 SH   SOLE   0 0 53,460
ISHARES TR RUS 1000 GRW ETF 464287614   406,565 1,664 SH   SOLE   0 0 1,664
ISHARES TR MSCI EAFE ETF 464287465   762,804 10,666 SH   SOLE   0 0 10,666
ISHARES TR CORE S&P SCP ETF 464287804   2,061,837 21,322 SH   SOLE   0 0 21,322
ISHARES TR CORE US AGGBD ET 464287226   4,496,774 45,130 SH   SOLE   0 0 45,130
ISHARES TR RUS MID CAP ETF 464287499   582,853 8,336 SH   SOLE   0 0 8,336
ISHARES TR TIPS BD ETF 464287176   9,551,729 86,637 SH   SOLE   0 0 86,637
ISHARES TR IBOXX HI YD ETF 464288513   12,094,956 160,092 SH   SOLE   0 0 160,092
JPMORGAN CHASE & CO COM 46625H100   383,242 2,941 SH   SOLE   0 0 2,941
LINDE PLC SHS G54950103   227,482 640 SH   SOLE   0 0 640
LOCKHEED MARTIN CORP COM 539830109   363,057 768 SH   SOLE   0 0 768
MICROSOFT CORP COM 594918104   696,910 2,417 SH   SOLE   0 0 2,417
NVIDIA CORPORATION COM 67066G104   1,540,235 5,545 SH   SOLE   0 0 5,545
ORACLE CORP COM 68389X105   201,300 2,166 SH   SOLE   0 0 2,166
PIMCO MUN INCOME FD II COM 72200W106   144,137 15,350 SH   SOLE   0 0 15,350
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   21,360,687 871,154 SH   SOLE   0 0 871,154
SCHWAB STRATEGIC TR US REIT ETF 808524847   13,463,281 690,425 SH   SOLE   0 0 690,425
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   15,266,811 364,102 SH   SOLE   0 0 364,102
SCHWAB STRATEGIC TR US TIPS ETF 808524870   28,860,995 538,351 SH   SOLE   0 0 538,351
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   8,550,125 273,429 SH   SOLE   0 0 273,429
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   41,187,197 878,005 SH   SOLE   0 0 878,005
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   95,464,523 1,973,631 SH   SOLE   0 0 1,973,631
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   18,851,447 541,708 SH   SOLE   0 0 541,708
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   327,576 10,189 SH   SOLE   0 0 10,189
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   309,927 2,394 SH   SOLE   0 0 2,394
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,879,449 9,476 SH   SOLE   0 0 9,476
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   225,996 493 SH   SOLE   0 0 493
SPDR SER TR BLOOMBERG HIGH Y 78468R622   1,968,712 21,210 SH   SOLE   0 0 21,210
SPLUNK INC COM 848637104   315,733 3,293 SH   SOLE   0 0 3,293
UNITEDHEALTH GROUP INC COM 91324P102   239,603 507 SH   SOLE   0 0 507
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   11,422,239 154,710 SH   SOLE   0 0 154,710
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,688,435 35,284 SH   SOLE   0 0 35,284
VANGUARD INDEX FDS VALUE ETF 922908744   579,924 4,199 SH   SOLE   0 0 4,199
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,755,251 11,056 SH   SOLE   0 0 11,056
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,012,536 36,278 SH   SOLE   0 0 36,278
VANGUARD INDEX FDS LARGE CAP ETF 922908637   17,454,219 93,433 SH   SOLE   0 0 93,433
VANGUARD INDEX FDS TOTAL STK MKT 922908769   980,701 4,805 SH   SOLE   0 0 4,805
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,369,703 157,666 SH   SOLE   0 0 157,666
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   224,039 4,190 SH   SOLE   0 0 4,190
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   342,898 5,056 SH   SOLE   0 0 5,056
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   512,285 8,405 SH   SOLE   0 0 8,405
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   45,570,850 597,807 SH   SOLE   0 0 597,807
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,733,428 126,930 SH   SOLE   0 0 126,930
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   18,630,618 298,999 SH   SOLE   0 0 298,999