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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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   595,266 3,942 SH   SOLE 0 3,941 0 0
INVESCO BULLETSHARES 2023 HIGH YIELD CORPORATE BOND ETF ETF 46138J858   2,977,637 126,412 SH   SOLE 0 126,412 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   116,018,828 568,441 SH   SOLE 0 568,441 0 0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   10,935,056 176,514 SH   SOLE 0 176,514 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234   455,430 11,542 SH   SOLE 0 11,541 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   527,255 3,546 SH   SOLE 0 3,546 0 0
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF ETF 46138J825   5,079,235 250,455 SH   SOLE 0 250,455 0 0
VANGUARD REAL ESTATE ETF ETF 922908553   60,178,725 724,696 SH   SOLE 0 724,695 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   4,475,678 10,933 SH   SOLE 0 10,932 0 0
ISHARES MSCI JAPAN ETF ETF 46434G822   437,756 7,459 SH   SOLE 0 7,458 0 0
ISHARES TIPS BOND ETF ETF 464287176   41,349,763 375,055 SH   SOLE 0 375,054 0 0
INVESCO BULLETSHARES 2024 HIGH YIELD CORPORATE BOND ETF ETF 46138J833   2,345,258 104,447 SH   SOLE 0 104,446 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF ETF 922042718   2,738,022 25,064 SH   SOLE 0 25,064 0 0
SPDR GOLD SHARES ETF 78463V107   1,076,418 5,875 SH   SOLE 0 5,875 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   4,625,316 18,931 SH   SOLE 0 18,930 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   142,745,646 2,983,190 SH   SOLE 0 2,983,190 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   90,789,015 2,608,880 SH   SOLE 0 2,608,879 0 0
ISHARES U.S. REAL ESTATE ETF ETF 464287739   2,084,166 24,548 SH   SOLE 0 24,548 0 0
INVESCO BULLETSHARES 2025 HIGH YIELD CORPORATE BOND ETF ETF 46138J817   1,994,321 88,715 SH   SOLE 0 88,715 0 0
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF ETF 46435U853   47,179,891 1,327,142 SH   SOLE 0 1,327,141 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   33,114,035 342,441 SH   SOLE 0 342,440 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   3,993,940 12,935 SH   SOLE 0 12,935 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   36,871,202 1,503,719 SH   SOLE 0 1,503,719 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870   50,317,747 627,247 SH   SOLE 0 627,246 0 0
PG&E CORP COM Stock 69331C108   276,264 17,085 SH   SOLE 0 17,085 0 0
MICROSOFT CORP COM Stock 594918104   529,031 1,835 SH   SOLE 0 1,835 0 0
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF ETF 46138J791   3,253,534 169,809 SH   SOLE 0 169,808 0 0
VANGUARD SMALL-CAP ETF ETF 922908751   2,235,131 11,791 SH   SOLE 0 11,791 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874   1,418,131 23,267 SH   SOLE 0 23,267 0 0
SCHWAB US TIPS ETF ETF 808524870   4,129,700 77,032 SH   SOLE 0 77,032 0 0
INVESCO BULLETSHARES 2024 USD EMERGING MARKETS DEBT ETF ETF 46138J650   301,801 12,601 SH   SOLE 0 12,601 0 0
VANGUARD S&P 500 ETF ETF 922908363   2,345,403 6,237 SH   SOLE 0 6,236 0 0
VANGUARD S&P SMALL-CAP 600 ETF ETF 921932828   718,997 8,098 SH   SOLE 0 8,097 0 0
INVESCO BULLETSHARES 2023 USD EMERGING MARKETS DEBT ETF ETF 46138J668   290,450 12,426 SH   SOLE 0 12,425 0 0
LILLY ELI & CO COM Stock 532457108   244,858 713 SH   SOLE 0 713 0 0
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473   709,079 6,677 SH   SOLE 0 6,676 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655   2,241,768 12,566 SH   SOLE 0 12,565 0 0
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481   747,642 8,211 SH   SOLE 0 8,211 0 0
VANGUARD FTSE PACIFIC ETF ETF 922042866   1,402,213 20,676 SH   SOLE 0 20,675 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611   1,964,837 12,376 SH   SOLE 0 12,376 0 0
VANECK MORTGAGE REIT INCOME ETF ETF 92189F452   383,638 33,950 SH   SOLE 0 33,950 0 0
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708   428,516 16,818 SH   SOLE 0 16,817 0 0
DIMENSIONAL U.S. EQUITY ETF ETF 25434V401   271,562 6,112 SH   SOLE 0 6,112 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   1,264,913 5,845 SH   SOLE 0 5,844 0 0
SPDR DOW JONES INTERNATIONAL REAL ESTATE ETF ETF 78463X863   684,025 26,028 SH   SOLE 0 26,028 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   6,200,664 83,986 SH   SOLE 0 83,985 0 0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   693,523 12,970 SH   SOLE 0 12,970 0 0
ISHARES MSCI EMERGING MARKETS SMALL CAP ETF ETF 464286475   942,812 18,715 SH   SOLE 0 18,714 0 0
ROCKWELL AUTOMATION INC COM Stock 773903109   317,715 1,083 SH   SOLE 0 1,082 0 0
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF ETF 921946885   2,582,537 41,447 SH   SOLE 0 41,446 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513   7,133,232 94,417 SH   SOLE 0 94,417 0 0
ISHARES PREFERRED & INCOME SECURITIES ETF ETF 464288687   15,048,055 482,000 SH   SOLE 0 482,000 0 0
LOCKHEED MARTIN CORP COM Stock 539830109   267,565 566 SH   SOLE 0 566 0 0
JPMORGAN CHASE & CO COM Stock 46625H100   215,012 1,650 SH   SOLE 0 1,650 0 0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288638   4,200,899 81,921 SH   SOLE 0 81,920 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   73,789,197 1,633,589 SH   SOLE 0 1,633,588 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763   1,218,978 9,854 SH   SOLE 0 9,853 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   28,600,056 707,922 SH   SOLE 0 707,922 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   65,901,573 624,659 SH   SOLE 0 624,659 0 0
AMERICAN EXPRESS CO COM Stock 025816109   306,477 1,858 SH   SOLE 0 1,858 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273   1,228,204 20,639 SH   SOLE 0 20,638 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   53,486,128 536,794 SH   SOLE 0 536,793 0 0
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF ETF 46138J866   11,132,585 528,111 SH   SOLE 0 528,111 0 0
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841   6,348,947 308,351 SH   SOLE 0 308,351 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689   4,964,861 21,090 SH   SOLE 0 21,090 0 0
SPDR DOW JONES REIT ETF ETF 78464A607   3,729,092 42,004 SH   SOLE 0 42,003 0 0
ISHARES JP MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281   21,777,566 252,406 SH   SOLE 0 252,405 0 0
EXXON MOBIL CORP COM Stock 30231G102   332,270 3,030 SH   SOLE 0 3,030 0 0
LOWES COS INC COM Stock 548661107   249,963 1,250 SH   SOLE 0 1,250 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   2,936,393 11,738 SH   SOLE 0 11,738 0 0
ISHARES MSCI EAFE ETF ETF 464287465   2,067,316 28,905 SH   SOLE 0 28,905 0 0
APPLE INC COM Stock 037833100   2,501,090 15,167 SH   SOLE 0 15,167 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   4,405,350 28,933 SH   SOLE 0 28,933 0 0