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
8X8 INC NEW COM 282914100 508 18,788 SH   SOLE NONE 0 0 18,788
ALPHABET INC CAP STK CL A 02079K305 427 170 SH   SOLE NONE 0 0 170
ALPHABET INC CAP STK CL C 02079K107 505 195 SH   SOLE NONE 0 0 195
AMAZON COM INC COM 023135106 201 54 SH   SOLE NONE 0 0 54
APPLE INC COM 037833100 1,041 7,173 SH   SOLE NONE 0 0 7,173
CATERPILLAR INC COM 149123101 417 1,920 SH   SOLE NONE 0 0 1,920
CHURCH & DWIGHT INC COM 171340102 1,413 16,240 SH   SOLE NONE 0 0 16,240
CINCINNATI FINL CORP COM 172062101 1,719 14,464 SH   SOLE NONE 0 0 14,464
CISCO SYS INC COM 17275R102 222 4,124 SH   SOLE NONE 0 0 4,124
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 4,972 184,199 SH   SOLE NONE 0 0 184,199
DOLBY LABORATORIES INC COM CL A 25659T107 680 6,763 SH   SOLE NONE 0 0 6,763
INTUIT COM 461202103 380 755 SH   SOLE NONE 0 0 755
ISHARES INC MSCI EMERG MRKT 464286533 200 3,169 SH   SOLE NONE 0 0 3,169
ISHARES INC CORE MSCI EMKT 46434G103 3,876 59,361 SH   SOLE NONE 0 0 59,361
ISHARES TR CORE S&P SCP ETF 464287804 4,184 37,496 SH   SOLE NONE 0 0 37,496
ISHARES TR CORE S&P500 ETF 464287200 7,281 16,646 SH   SOLE NONE 0 0 16,646
ISHARES TR S&P 500 GRWT ETF 464287309 584 7,821 SH   SOLE NONE 0 0 7,821
ISHARES TR RUS 1000 GRW ETF 464287614 515 1,851 SH   SOLE NONE 0 0 1,851
ISHARES TR U.S. REAL ES ETF 464287739 3,076 29,185 SH   SOLE NONE 0 0 29,185
ISHARES TR MSCI EAFE ETF 464287465 1,282 16,120 SH   SOLE NONE 0 0 16,120
ISHARES TR RUS MID CAP ETF 464287499 665 8,336 SH   SOLE NONE 0 0 8,336
ISHARES TR RUS MD CP GR ETF 464287481 765 6,708 SH   SOLE NONE 0 0 6,708
ISHARES TR EXPND TEC SC ETF 464287549 349 845 SH   SOLE NONE 0 0 845
ISHARES TR EXPANDED TECH 464287515 334 838 SH   SOLE NONE 0 0 838
ISHARES TR CORE US AGGBD ET 464287226 13,367 115,550 SH   SOLE NONE 0 0 115,550
ISHARES TR TIPS BD ETF 464287176 4,704 36,769 SH   SOLE NONE 0 0 36,769
ISHARES TR IBOXX HI YD ETF 464288513 14,582 165,702 SH   SOLE NONE 0 0 165,702
ISHARES TR ISHS 1-5YR INVS 464288646 1,403 25,591 SH   SOLE NONE 0 0 25,591
ISHARES TR CORE MSCI EAFE 46432F842 2,468 32,648 SH   SOLE NONE 0 0 32,648
ISHARES TR CORE TOTAL USD 46434V613 2,130 39,703 SH   SOLE NONE 0 0 39,703
JPMORGAN CHASE & CO COM 46625H100 251 1,610 SH   SOLE NONE 0 0 1,610
LOCKHEED MARTIN CORP COM 539830109 432 1,128 SH   SOLE NONE 0 0 1,128
MICROSOFT CORP COM 594918104 399 1,436 SH   SOLE NONE 0 0 1,436
NATERA INC COM 632307104 340 2,812 SH   SOLE NONE 0 0 2,812
NVIDIA CORPORATION COM 67066G104 992 1,237 SH   SOLE NONE 0 0 1,237
ORACLE CORP COM 68389X105 222 2,525 SH   SOLE NONE 0 0 2,525
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 264 2,495 SH   SOLE NONE 0 0 2,495
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 18,911 476,705 SH   SOLE NONE 0 0 476,705
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 141,490 1,338,469 SH   SOLE NONE 0 0 1,338,469
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 23,010 222,983 SH   SOLE NONE 0 0 222,983
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 22,204 693,456 SH   SOLE NONE 0 0 693,456
SCHWAB STRATEGIC TR US TIPS ETF 808524870 36,241 579,113 SH   SOLE NONE 0 0 579,113
SCHWAB STRATEGIC TR US REIT ETF 808524847 15,496 327,398 SH   SOLE NONE 0 0 327,398
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 46,966 857,990 SH   SOLE NONE 0 0 857,990
SELECT SECTOR SPDR TR ENERGY 81369Y506 264 5,000 SH   SOLE NONE 0 0 5,000
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 381 10,368 SH   SOLE NONE 0 0 10,368
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 308 2,394 SH   SOLE NONE 0 0 2,394
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 333 1,826 SH   SOLE NONE 0 0 1,826
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,012 16,100 SH   SOLE NONE 0 0 16,100
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 243 493 SH   SOLE NONE 0 0 493
SPLUNK INC COM 848637104 693 5,005 SH   SOLE NONE 0 0 5,005
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 2,300 45,890 SH   SOLE NONE 0 0 45,890
VANGUARD INDEX FDS TOTAL STK MKT 922908769 931 4,120 SH   SOLE NONE 0 0 4,120
VANGUARD INDEX FDS VALUE ETF 922908744 582 4,199 SH   SOLE NONE 0 0 4,199
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,852 27,142 SH   SOLE NONE 0 0 27,142
VANGUARD INDEX FDS SMALL CP ETF 922908751 8,083 35,982 SH   SOLE NONE 0 0 35,982
VANGUARD INDEX FDS LARGE CAP ETF 922908637 8,951 43,873 SH   SOLE NONE 0 0 43,873
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,742 89,501 SH   SOLE NONE 0 0 89,501
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 417 5,056 SH   SOLE NONE 0 0 5,056
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 572 8,405 SH   SOLE NONE 0 0 8,405
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 312 4,927 SH   SOLE NONE 0 0 4,927
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 61,215 740,156 SH   SOLE NONE 0 0 740,156
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,917 75,538 SH   SOLE NONE 0 0 75,538
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 24,501 307,686 SH   SOLE NONE 0 0 307,686