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 MCAP GR IDXVIP 922908538 2,416 20,188 SH   SOLE   0 0 20,188
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 2,581 47,965 SH   SOLE   0 0 47,965
ISHARES TR RUS 2000 VAL ETF 464287630 308 2,862 SH   SOLE   0 0 2,862
ISHARES TR S&P 500 VAL ETF 464287408 1,064 10,517 SH   SOLE   0 0 10,517
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 5,451 122,892 SH   SOLE   0 0 122,892
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 4,419 84,308 SH   SOLE   0 0 84,308
CHEVRON CORP NEW COM 166764100 1,765 16,228 SH   SOLE   0 0 16,228
ISHARES TR EAFE GRWTH ETF 464288885 360 5,218 SH   SOLE   0 0 5,218
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 4,713 49,476 SH   SOLE   0 0 49,476
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 23,807 470,580 SH   SOLE   0 0 470,580
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 3,781 82,458 SH   SOLE   0 0 82,458
ISHARES TR S&P MC 400VL ETF 464287705 430 3,112 SH   SOLE   0 0 3,112
VANGUARD INDEX FDS SM CP VAL ETF 922908611 6,864 60,178 SH   SOLE   0 0 60,178
VANGUARD INDEX FDS VALUE ETF 922908744 14,813 151,233 SH   SOLE   0 0 151,233
VANGUARD INDEX FDS SML CP GRW ETF 922908595 3,481 23,114 SH   SOLE   0 0 23,114
VANGUARD INDEX FDS GROWTH ETF 922908736 13,430 99,976 SH   SOLE   0 0 99,976
JOHNSON & JOHNSON COM 478160104 325 2,517 SH   SOLE   0 0 2,517
ISHARES TR RUS 1000 GRW ETF 464287614 610 4,659 SH   SOLE   0 0 4,659
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,590 34,732 SH   SOLE   0 0 34,732
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,258 15,885 SH   SOLE   0 0 15,885
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 31,168 399,899 SH   SOLE   0 0 399,899
PROCTER AND GAMBLE CO COM 742718109 1,621 17,634 SH   SOLE   0 0 17,634
ISHARES TR GLB INFRASTR ETF 464288372 1,529 38,817 SH   SOLE   0 0 38,817
ISHARES TR RUS MDCP VAL ETF 464287473 566 7,416 SH   SOLE   0 0 7,416
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 6,700 135,934 SH   SOLE   0 0 135,934
ISHARES TR RUS MD CP GR ETF 464287481 484 4,254 SH   SOLE   0 0 4,254
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,422 64,157 SH   SOLE   0 0 64,157
ISHARES TR S&P SML 600 GWT 464287887 499 3,090 SH   SOLE   0 0 3,090
ISHARES TR S&P 500 GRWT ETF 464287309 2,445 16,229 SH   SOLE   0 0 16,229
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 576 10,686 SH   SOLE   0 0 10,686