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
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 11,981 254,253 SH   SOLE   0 0 254,253
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 8,326 142,571 SH   SOLE   0 0 142,571
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 7,227 161,310 SH   SOLE   0 0 161,310
INVESCO QQQ TR UNIT SER 1 46090E103 515 1,453 SH   SOLE   0 0 1,453
ISHARES TR CORE S&P MCP ETF 464287507 2,358 8,778 SH   SOLE   0 0 8,778
ISHARES TR CORE S&P SCP ETF 464287804 315 2,787 SH   SOLE   0 0 2,787
ISHARES TR CORE S&P500 ETF 464287200 2,409 5,604 SH   SOLE   0 0 5,604
ISHARES TR EAFE GRWTH ETF 464288885 476 4,441 SH   SOLE   0 0 4,441
ISHARES TR S&P MC 400GR ETF 464287606 314 3,880 SH   SOLE   0 0 3,880
ISHARES TR S&P MC 400VL ETF 464287705 204 1,940 SH   SOLE   0 0 1,940
ISHARES TR SHRT NAT MUN ETF 464288158 4,083 37,872 SH   SOLE   0 0 37,872
ISHARES TR SP SMCP600VL ETF 464287879 250 2,370 SH   SOLE   0 0 2,370
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,737 83,226 SH   SOLE   0 0 83,226
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,949 49,406 SH   SOLE   0 0 49,406
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,125 51,076 SH   SOLE   0 0 51,076
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 379 6,671 SH   SOLE   0 0 6,671
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 276 5,076 SH   SOLE   0 0 5,076
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 213 6,388 SH   SOLE   0 0 6,388
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 785 19,990 SH   SOLE   0 0 19,990
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,167 22,779 SH   SOLE   0 0 22,779
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 282 3,732 SH   SOLE   0 0 3,732
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 6,465 44,290 SH   SOLE   0 0 44,290
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,609 23,527 SH   SOLE   0 0 23,527
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 9,264 89,108 SH   SOLE   0 0 89,108
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 8,702 111,180 SH   SOLE   0 0 111,180
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,681 44,933 SH   SOLE   0 0 44,933
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 230 7,608 SH   SOLE   0 0 7,608
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 202 3,299 SH   SOLE   0 0 3,299
SPDR SER TR BLOMBERG BRC INT 78464A334 527 16,585 SH   SOLE   0 0 16,585
SPDR SER TR BLOMBERG BRC INV 78468R200 426 13,892 SH   SOLE   0 0 13,892
SPDR SER TR BLOMBRG BRC INTL 78464A151 621 17,098 SH   SOLE   0 0 17,098
SPDR SER TR NUVEEN BLMBRG SR 78468R739 6,874 138,690 SH   SOLE   0 0 138,690
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 1,491 5,682 SH   SOLE   0 0 5,682
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 529 3,710 SH   SOLE   0 0 3,710
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869 3,134 15,614 SH   SOLE   0 0 15,614
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 848 4,657 SH   SOLE   0 0 4,657
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 5,411 33,435 SH   SOLE   0 0 33,435
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,699 7,190 SH   SOLE   0 0 7,190
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,912 13,610 SH   SOLE   0 0 13,610
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,480 8,520 SH   SOLE   0 0 8,520
VANGUARD INDEX FDS SMALL CP ETF 922908751 365 1,622 SH   SOLE   0 0 1,622
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,155 7,436 SH   SOLE   0 0 7,436
VANGUARD INDEX FDS VALUE ETF 922908744 691 5,026 SH   SOLE   0 0 5,026
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,881 53,038 SH   SOLE   0 0 53,038
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 3,423 15,084 SH   SOLE   0 0 15,084
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 3,073 21,140 SH   SOLE   0 0 21,140
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 532 10,320 SH   SOLE   0 0 10,320