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   15,277 16,724 SH   SOLE   0 0 16,724
8X8 INC NEW COM 282914100   71,019 18,788 SH   SOLE   0 0 18,788
ALPHABET INC CAP STK CL C 02079K107   3,960,422 28,102 SH   SOLE   0 0 28,102
ALPHABET INC CAP STK CL A 02079K305   1,001,438 7,169 SH   SOLE   0 0 7,169
APPLE INC COM 037833100   795,206 4,130 SH   SOLE   0 0 4,130
BECTON DICKINSON & CO COM 075887109   258,216 1,059 SH   SOLE   0 0 1,059
BUILDERS FIRSTSOURCE INC COM 12008R107   443,393 2,656 SH   SOLE   0 0 2,656
CATERPILLAR INC COM 149123101   714,043 2,415 SH   SOLE   0 0 2,415
CHURCH & DWIGHT CO INC COM 171340102   1,346,534 14,240 SH   SOLE   0 0 14,240
CINCINNATI FINL CORP COM 172062101   1,496,445 14,464 SH   SOLE   0 0 14,464
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   27,301,025 1,117,978 SH   SOLE   0 0 1,117,978
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   4,771,739 163,248 SH   SOLE   0 0 163,248
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   13,445,475 256,936 SH   SOLE   0 0 256,936
DOLBY LABORATORIES INC COM CL A 25659T107   358,595 4,161 SH   SOLE   0 0 4,161
EXXON MOBIL CORP COM 30231G102   295,041 2,951 SH   SOLE   0 0 2,951
GRAINGER W W INC COM 384802104   914,045 1,103 SH   SOLE   0 0 1,103
HOME DEPOT INC COM 437076102   234,614 677 SH   SOLE   0 0 677
INTERNATIONAL BUSINESS MACHS COM 459200101   428,787 2,622 SH   SOLE   0 0 2,622
INTUIT COM 461202103   478,773 766 SH   SOLE   0 0 766
ISHARES INC CORE MSCI EMKT 46434G103   1,918,601 37,932 SH   SOLE   0 0 37,932
ISHARES TR RUS 1000 GRW ETF 464287614   504,475 1,664 SH   SOLE   0 0 1,664
ISHARES TR CORE US AGGBD ET 464287226   10,233,702 103,110 SH   SOLE   0 0 103,110
ISHARES TR ISHS 1-5YR INVS 464288646   11,860,574 231,313 SH   SOLE   0 0 231,313
ISHARES TR RUS MD CP GR ETF 464287481   611,091 5,850 SH   SOLE   0 0 5,850
ISHARES TR JPMORGAN USD EMG 464288281   4,056,861 45,552 SH   SOLE   0 0 45,552
ISHARES TR IBOXX HI YD ETF 464288513   12,906,439 166,771 SH   SOLE   0 0 166,771
ISHARES TR RUS MID CAP ETF 464287499   581,498 7,481 SH   SOLE   0 0 7,481
ISHARES TR CORE S&P SCP ETF 464287804   2,032,177 18,773 SH   SOLE   0 0 18,773
ISHARES TR CORE MSCI EAFE 46432F842   1,441,612 20,492 SH   SOLE   0 0 20,492
ISHARES TR CORE S&P500 ETF 464287200   3,832,503 8,024 SH   SOLE   0 0 8,024
ISHARES TR U.S. REAL ES ETF 464287739   1,423,437 15,572 SH   SOLE   0 0 15,572
ISHARES TR MSCI EAFE ETF 464287465   755,317 10,024 SH   SOLE   0 0 10,024
ISHARES TR TIPS BD ETF 464287176   9,516,197 88,531 SH   SOLE   0 0 88,531
JPMORGAN CHASE & CO COM 46625H100   638,896 3,756 SH   SOLE   0 0 3,756
LOCKHEED MARTIN CORP COM 539830109   222,994 492 SH   SOLE   0 0 492
MASTERCARD INCORPORATED CL A 57636Q104   272,966 640 SH   SOLE   0 0 640
MICROSOFT CORP COM 594918104   790,928 2,103 SH   SOLE   0 0 2,103
NVIDIA CORPORATION COM 67066G104   2,670,226 5,392 SH   SOLE   0 0 5,392
ORACLE CORP COM 68389X105   219,189 2,079 SH   SOLE   0 0 2,079
PROSHARES TR ULTRAPRO QQQ 74347X831   252,587 4,982 SH   SOLE   0 0 4,982
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   20,937,945 566,503 SH   SOLE   0 0 566,503
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   40,447,530 867,600 SH   SOLE   0 0 867,600
SCHWAB STRATEGIC TR US REIT ETF 808524847   15,377,588 742,520 SH   SOLE   0 0 742,520
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   18,950,204 401,147 SH   SOLE   0 0 401,147
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   24,638,310 993,881 SH   SOLE   0 0 993,881
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   10,344,687 306,691 SH   SOLE   0 0 306,691
SCHWAB STRATEGIC TR US TIPS ETF 808524870   31,389,256 601,327 SH   SOLE   0 0 601,327
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   110,057,641 1,951,377 SH   SOLE   0 0 1,951,377
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   217,817 5,793 SH   SOLE   0 0 5,793
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   326,494 2,394 SH   SOLE   0 0 2,394
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,204,333 8,845 SH   SOLE   0 0 8,845
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   250,138 493 SH   SOLE   0 0 493
SPDR SER TR BLOOMBERG HIGH Y 78468R622   2,870,508 30,302 SH   SOLE   0 0 30,302
SPLUNK INC COM 848637104   493,614 3,240 SH   SOLE   0 0 3,240
UNITEDHEALTH GROUP INC COM 91324P102   384,850 731 SH   SOLE   0 0 731
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   11,605,307 157,788 SH   SOLE   0 0 157,788
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,825,086 54,607 SH   SOLE   0 0 54,607
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,152,415 4,858 SH   SOLE   0 0 4,858
VANGUARD INDEX FDS SMALL CP ETF 922908751   8,447,228 39,597 SH   SOLE   0 0 39,597
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,272,301 12,626 SH   SOLE   0 0 12,626
VANGUARD INDEX FDS VALUE ETF 922908744   627,751 4,199 SH   SOLE   0 0 4,199
VANGUARD INDEX FDS LARGE CAP ETF 922908637   18,946,764 86,852 SH   SOLE   0 0 86,852
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,958,925 169,317 SH   SOLE   0 0 169,317
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   235,227 4,190 SH   SOLE   0 0 4,190
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   364,184 5,056 SH   SOLE   0 0 5,056
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   541,954 8,405 SH   SOLE   0 0 8,405
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   48,420,670 625,833 SH   SOLE   0 0 625,833
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,847,536 122,078 SH   SOLE   0 0 122,078
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   21,769,058 341,475 SH   SOLE   0 0 341,475