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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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   575,362 3,510 SH   SOLE 0 3,509 0 0
INVESCO BULLETSHARES 2023 HIGH YIELD CORPORATE BOND ETF ETF 46138J858   2,519,796 107,203 SH   SOLE 0 107,202 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   146,244,638 688,502 SH   SOLE 0 688,501 0 0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   9,912,267 160,159 SH   SOLE 0 160,159 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234   438,002 11,542 SH   SOLE 0 11,541 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   517,220 3,546 SH   SOLE 0 3,546 0 0
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF ETF 46138J825   4,784,342 237,909 SH   SOLE 0 237,908 0 0
VANGUARD REAL ESTATE ETF ETF 922908553   59,665,645 788,602 SH   SOLE 0 788,602 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   4,774,358 11,169 SH   SOLE 0 11,168 0 0
ISHARES MSCI JAPAN ETF ETF 46434G822   449,690 7,459 SH   SOLE 0 7,458 0 0
ISHARES TIPS BOND ETF ETF 464287176   28,748,624 277,175 SH   SOLE 0 277,175 0 0
INVESCO BULLETSHARES 2024 HIGH YIELD CORPORATE BOND ETF ETF 46138J833   2,422,089 107,725 SH   SOLE 0 107,725 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF ETF 922042718   2,705,806 25,478 SH   SOLE 0 25,478 0 0
SPDR GOLD SHARES ETF 78463V107   1,007,269 5,875 SH   SOLE 0 5,875 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   4,788,781 18,004 SH   SOLE 0 18,003 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   179,957,875 3,609,987 SH   SOLE 0 3,609,987 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   87,533,625 2,577,551 SH   SOLE 0 2,577,550 0 0
ISHARES U.S. REAL ESTATE ETF ETF 464287739   2,871,277 36,745 SH   SOLE 0 36,745 0 0
INVESCO BULLETSHARES 2025 HIGH YIELD CORPORATE BOND ETF ETF 46138J817   1,860,405 82,758 SH   SOLE 0 82,758 0 0
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF ETF 46435U853   44,067,408 1,269,588 SH   SOLE 0 1,269,588 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   34,177,350 362,317 SH   SOLE 0 362,316 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   2,590,469 7,395 SH   SOLE 0 7,395 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   38,067,785 1,590,133 SH   SOLE 0 1,590,133 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870   61,348,032 807,423 SH   SOLE 0 807,423 0 0
PG&E CORP COM Stock 69331C108   275,581 17,085 SH   SOLE 0 17,085 0 0
MICROSOFT CORP COM Stock 594918104   585,716 1,855 SH   SOLE 0 1,855 0 0
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF ETF 46138J791   3,164,515 168,457 SH   SOLE 0 168,456 0 0
AMERIPRISE FINL INC COM Stock 03076C106   210,995 640 SH   SOLE 0 640 0 0
VANGUARD SMALL-CAP ETF ETF 922908751   2,326,887 12,307 SH   SOLE 0 12,307 0 0
VANGUARD LARGE-CAP ETF ETF 922908637   1,056,726 5,400 SH   SOLE 0 5,400 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874   1,260,619 21,761 SH   SOLE 0 21,761 0 0
SCHWAB US TIPS ETF ETF 808524870   3,875,132 76,750 SH   SOLE 0 76,750 0 0
VANGUARD S&P 500 ETF ETF 922908363   2,449,386 6,237 SH   SOLE 0 6,237 0 0
VANGUARD S&P SMALL-CAP 600 ETF ETF 921932828   1,271,996 14,554 SH   SOLE 0 14,553 0 0
ELI LILLY & CO COM Stock 532457108   382,974 713 SH   SOLE 0 713 0 0
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473   696,660 6,677 SH   SOLE 0 6,676 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655   2,200,996 12,453 SH   SOLE 0 12,453 0 0
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481   750,106 8,211 SH   SOLE 0 8,211 0 0
VANGUARD FTSE PACIFIC ETF ETF 922042866   1,377,258 20,593 SH   SOLE 0 20,592 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611   2,025,883 12,702 SH   SOLE 0 12,702 0 0
VANECK MORTGAGE REIT INCOME ETF ETF 92189F452   403,053 35,449 SH   SOLE 0 35,448 0 0
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708   440,625 16,818 SH   SOLE 0 16,817 0 0
DIMENSIONAL U.S. EQUITY ETF ETF 25434V401   286,463 6,154 SH   SOLE 0 6,153 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   1,239,396 5,787 SH   SOLE 0 5,786 0 0
SPDR DOW JONES INTERNATIONAL REAL ESTATE ETF ETF 78463X863   618,954 26,028 SH   SOLE 0 26,028 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   12,665,825 181,511 SH   SOLE 0 181,510 0 0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   673,782 12,990 SH   SOLE 0 12,989 0 0
ISHARES MSCI EMERGING MARKETS SMALL CAP ETF ETF 464286475   1,021,836 18,715 SH   SOLE 0 18,714 0 0
ROCKWELL AUTOMATION INC COM Stock 773903109   309,508 1,083 SH   SOLE 0 1,082 0 0
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF ETF 921946885   318,330 5,381 SH   SOLE 0 5,380 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513   8,378,831 113,658 SH   SOLE 0 113,657 0 0
ISHARES PREFERRED & INCOME SECURITIES ETF ETF 464288687   14,225,463 471,823 SH   SOLE 0 471,822 0 0
LOCKHEED MARTIN CORP COM Stock 539830109   231,471 566 SH   SOLE 0 566 0 0
JPMORGAN CHASE & CO COM Stock 46625H100   239,283 1,650 SH   SOLE 0 1,650 0 0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288638   7,118,827 146,327 SH   SOLE 0 146,327 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   67,508,036 1,544,100 SH   SOLE 0 1,544,099 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763   1,187,396 10,324 SH   SOLE 0 10,324 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   28,080,505 716,157 SH   SOLE 0 716,156 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   25,372,421 245,571 SH   SOLE 0 245,571 0 0
AMERICAN EXPRESS CO COM Stock 025816109   277,195 1,858 SH   SOLE 0 1,858 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273   1,165,463 20,639 SH   SOLE 0 20,638 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   72,016,949 765,812 SH   SOLE 0 765,811 0 0
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF ETF 46138J866   10,705,338 504,255 SH   SOLE 0 504,255 0 0
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841   5,893,798 285,138 SH   SOLE 0 285,137 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689   5,181,256 21,143 SH   SOLE 0 21,142 0 0
SPDR DOW JONES REIT ETF ETF 78464A607   2,713,912 32,721 SH   SOLE 0 32,721 0 0
ISHARES JP MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281   394,457 4,780 SH   SOLE 0 4,780 0 0
EXXON MOBIL CORP COM Stock 30231G102   356,267 3,030 SH   SOLE 0 3,030 0 0
LOWES COS INC COM Stock 548661107   259,800 1,250 SH   SOLE 0 1,250 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   2,986,520 11,977 SH   SOLE 0 11,977 0 0
ISHARES MSCI EAFE ETF ETF 464287465   2,041,608 29,623 SH   SOLE 0 29,622 0 0
APPLE INC COM Stock 037833100   2,586,283 15,106 SH   SOLE 0 15,105 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742   201,782 2,166 SH   SOLE 0 2,165 0 0
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663   745,345 8,117 SH   SOLE 0 8,117 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   4,392,620 28,933 SH   SOLE 0 28,933 0 0