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
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,809 17,641 SH   SOLE   17,641 0 0
ISHARES TR CORE S&P500 ETF 464287200 4,813 16,123 SH   SOLE   16,123 0 0
ISHARES TR MSCI MIN VOL ETF 46429B697 4,291 66,946 SH   SOLE   66,946 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,890 32,387 SH   SOLE   32,387 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 4,529 27,236 SH   SOLE   27,236 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 882 5,375 SH   SOLE   5,375 0 0
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 3,938 135,064 SH   SOLE   135,064 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 4,871 43,640 SH   SOLE   43,640 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 3,943 99,698 SH   SOLE   99,698 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,738 115,336 SH   SOLE   115,336 0 0
ISHARES TR CORE MSCI EAFE 46432F842 4,507 73,807 SH   SOLE   73,807 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 4,552 91,223 SH   SOLE   91,223 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 4,544 78,670 SH   SOLE   78,670 0 0
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 2,376 64,684 SH   SOLE   64,684 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,779 118,694 SH   SOLE   118,694 0 0
ISHARES INC CORE MSCI EMKT 46434G103 1,293 26,382 SH   SOLE   26,382 0 0
ISHARES TR IBONDS DEC21 ETF 46434VBK5 4,010 160,418 SH   SOLE   160,418 0 0
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 4,595 52,216 SH   SOLE   52,216 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 4,811 56,979 SH   SOLE   56,979 0 0
ISHARES TR CORE US AGGBD ET 464287226 4,810 42,499 SH   SOLE   42,499 0 0
ISHARES TR CORE TOTAL USD 46434V613 4,307 82,187 SH   SOLE   82,187 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 2,686 33,241 SH   SOLE   33,241 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,409 54,401 SH   SOLE   54,401 0 0
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 234 4,628 SH   SOLE   4,628 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,659 67,946 SH   SOLE   67,946 0 0
ETF SER SOLUTIONS CLEARSHS ULTRA 26922A453 4,631 46,286 SH   SOLE   46,286 0 0