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   16,351 16,724 SH   SOLE   0 0 16,724
8X8 INC NEW COM 282914100   47,346 18,788 SH   SOLE   0 0 18,788
ALPHABET INC CAP STK CL C 02079K107   3,893,545 29,530 SH   SOLE   0 0 29,530
ALPHABET INC CAP STK CL A 02079K305   946,249 7,231 SH   SOLE   0 0 7,231
AMAZON COM INC COM 023135106   219,663 1,728 SH   SOLE   0 0 1,728
APPLE INC COM 037833100   832,816 4,864 SH   SOLE   0 0 4,864
BECTON DICKINSON & CO COM 075887109   273,783 1,059 SH   SOLE   0 0 1,059
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   247,312 706 SH   SOLE   0 0 706
CATERPILLAR INC COM 149123101   695,877 2,549 SH   SOLE   0 0 2,549
CHURCH & DWIGHT CO INC COM 171340102   1,304,811 14,240 SH   SOLE   0 0 14,240
CINCINNATI FINL CORP COM 172062101   1,479,523 14,464 SH   SOLE   0 0 14,464
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   4,277,098 163,248 SH   SOLE   0 0 163,248
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   25,647,550 1,138,879 SH   SOLE   0 0 1,138,879
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   11,974,393 262,079 SH   SOLE   0 0 262,079
DOLBY LABORATORIES INC COM CL A 25659T107   442,984 5,589 SH   SOLE   0 0 5,589
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   736,014 52,460 SH   SOLE   0 0 52,460
EXXON MOBIL CORP COM 30231G102   388,719 3,306 SH   SOLE   0 0 3,306
GRAINGER W W INC COM 384802104   853,039 1,233 SH   SOLE   0 0 1,233
HOME DEPOT INC COM 437076102   204,562 677 SH   SOLE   0 0 677
INTERNATIONAL BUSINESS MACHS COM 459200101   364,324 2,597 SH   SOLE   0 0 2,597
INTUIT COM 461202103   391,380 766 SH   SOLE   0 0 766
ISHARES INC CORE MSCI EMKT 46434G103   1,849,585 38,865 SH   SOLE   0 0 38,865
ISHARES TR TIPS BD ETF 464287176   8,400,698 80,994 SH   SOLE   0 0 80,994
ISHARES TR RUS MD CP GR ETF 464287481   534,398 5,850 SH   SOLE   0 0 5,850
ISHARES TR CORE US AGGBD ET 464287226   4,213,847 44,809 SH   SOLE   0 0 44,809
ISHARES TR IBOXX HI YD ETF 464288513   12,769,854 173,221 SH   SOLE   0 0 173,221
ISHARES TR MSCI EAFE ETF 464287465   715,063 10,375 SH   SOLE   0 0 10,375
ISHARES TR U.S. REAL ES ETF 464287739   1,234,299 15,796 SH   SOLE   0 0 15,796
ISHARES TR CORE MSCI EAFE 46432F842   1,335,970 20,761 SH   SOLE   0 0 20,761
ISHARES TR JPMORGAN USD EMG 464288281   4,180,876 50,665 SH   SOLE   0 0 50,665
ISHARES TR RUS 1000 GRW ETF 464287614   442,607 1,664 SH   SOLE   0 0 1,664
ISHARES TR CORE S&P SCP ETF 464287804   1,843,020 19,538 SH   SOLE   0 0 19,538
ISHARES TR CORE S&P500 ETF 464287200   3,819,350 8,894 SH   SOLE   0 0 8,894
ISHARES TR RUS MID CAP ETF 464287499   518,059 7,481 SH   SOLE   0 0 7,481
ISHARES TR ISHS 1-5YR INVS 464288646   11,091,311 222,583 SH   SOLE   0 0 222,583
JPMORGAN CHASE & CO COM 46625H100   527,728 3,639 SH   SOLE   0 0 3,639
LOCKHEED MARTIN CORP COM 539830109   229,836 562 SH   SOLE   0 0 562
MICROSOFT CORP COM 594918104   772,422 2,446 SH   SOLE   0 0 2,446
NVIDIA CORPORATION COM 67066G104   2,303,707 5,296 SH   SOLE   0 0 5,296
ORACLE CORP COM 68389X105   220,208 2,079 SH   SOLE   0 0 2,079
SCHWAB STRATEGIC TR US REIT ETF 808524847   13,677,094 770,541 SH   SOLE   0 0 770,541
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   99,847,761 1,973,276 SH   SOLE   0 0 1,973,276
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   17,217,350 415,677 SH   SOLE   0 0 415,677
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   19,058,769 561,212 SH   SOLE   0 0 561,212
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   8,180,013 258,289 SH   SOLE   0 0 258,289
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   44,027,517 995,422 SH   SOLE   0 0 995,422
SCHWAB STRATEGIC TR US TIPS ETF 808524870   29,720,561 588,643 SH   SOLE   0 0 588,643
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   23,164,620 967,612 SH   SOLE   0 0 967,612
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   337,969 10,189 SH   SOLE   0 0 10,189
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   308,204 2,394 SH   SOLE   0 0 2,394
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,847,526 9,000 SH   SOLE   0 0 9,000
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   225,124 493 SH   SOLE   0 0 493
SPDR SER TR BLOOMBERG HIGH Y 78468R622   1,819,571 20,128 SH   SOLE   0 0 20,128
SPLUNK INC COM 848637104   475,020 3,248 SH   SOLE   0 0 3,248
UNITEDHEALTH GROUP INC COM 91324P102   222,348 441 SH   SOLE   0 0 441
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   9,530,006 136,572 SH   SOLE   0 0 136,572
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,666,874 35,248 SH   SOLE   0 0 35,248
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,261,431 33,117 SH   SOLE   0 0 33,117
VANGUARD INDEX FDS LARGE CAP ETF 922908637   15,662,832 80,039 SH   SOLE   0 0 80,039
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,616,112 10,133 SH   SOLE   0 0 10,133
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,115,491 5,252 SH   SOLE   0 0 5,252
VANGUARD INDEX FDS VALUE ETF 922908744   606,340 4,396 SH   SOLE   0 0 4,396
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   217,335 4,190 SH   SOLE   0 0 4,190
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   486,902 8,405 SH   SOLE   0 0 8,405
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   338,145 5,056 SH   SOLE   0 0 5,056
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,782,844 147,484 SH   SOLE   0 0 147,484
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   46,197,507 614,737 SH   SOLE   0 0 614,737
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,047,824 115,458 SH   SOLE   0 0 115,458
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   19,093,834 322,749 SH   SOLE   0 0 322,749