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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 224 2,027 SH   SOLE   0 0 2,027
APPLE INC COM 037833100 603 4,361 SH   SOLE   0 0 4,361
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,219 3 SH   SOLE   0 0 3
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 880 3,295 SH   SOLE   0 0 3,295
DOCUSIGN INC NOTE 1/1 256163AD8 42 45,000 PRN   SOLE   0 0 45,000
ISHARES TR EAFE GRWTH ETF 464288885 319 4,400 SH   SOLE   0 0 4,400
ISHARES TR EAFE SML CP ETF 464288273 694 14,231 SH   SOLE   0 0 14,231
ISHARES TR MSCI EAFE ETF 464287465 289 5,157 SH   SOLE   0 0 5,157
ISHARES TR MSCI EMG MKT ETF 464287234 363 10,402 SH   SOLE   0 0 10,402
ISHARES TR RUS 1000 GRW ETF 464287614 4,624 21,977 SH   SOLE   0 0 21,977
ISHARES TR RUS 1000 VAL ETF 464287598 2,798 20,578 SH   SOLE   0 0 20,578
ISHARES TR RUS 2000 GRW ETF 464287648 1,779 8,611 SH   SOLE   0 0 8,611
ISHARES TR RUS 2000 VAL ETF 464287630 2,034 15,779 SH   SOLE   0 0 15,779
ISHARES TR S&P 500 GRWT ETF 464287309 223 3,850 SH   SOLE   0 0 3,850
PEPSICO INC COM 713448108 333 2,039 SH   SOLE   0 0 2,039
RINGCENTRAL INC NOTE 3/0 76680RAF4 25 30,000 PRN   SOLE   0 0 30,000
S&P GLOBAL INC COM 78409V104 292 955 SH   SOLE   0 0 955
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,435 198,006 SH   SOLE   0 0 198,006
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 6,713 238,658 SH   SOLE   0 0 238,658
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 3,304 119,064 SH   SOLE   0 0 119,064
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 29,579 601,927 SH   SOLE   0 0 601,927
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 11,028 228,508 SH   SOLE   0 0 228,508
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 22,619 405,293 SH   SOLE   0 0 405,293
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 10,176 173,923 SH   SOLE   0 0 173,923
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 7,776 183,624 SH   SOLE   0 0 183,624
SCHWAB STRATEGIC TR US REIT ETF 808524847 4,686 250,714 SH   SOLE   0 0 250,714
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 426 11,266 SH   SOLE   0 0 11,266
TESLA INC COM 88160R101 1,043 3,933 SH   SOLE   0 0 3,933
VANGUARD INDEX FDS GROWTH ETF 922908736 20,920 97,779 SH   SOLE   0 0 97,779
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 204 2,539 SH   SOLE   0 0 2,539
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 216 657 SH   SOLE   0 0 657
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,092 28,532 SH   SOLE   0 0 28,532
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,123 6,572 SH   SOLE   0 0 6,572
VANGUARD INDEX FDS SML CP GRW ETF 922908595 5,331 27,322 SH   SOLE   0 0 27,322
VANGUARD INDEX FDS TOTAL STK MKT 922908769 653 3,641 SH   SOLE   0 0 3,641
VANGUARD INDEX FDS VALUE ETF 922908744 21,311 172,584 SH   SOLE   0 0 172,584
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 253 5,704 SH   SOLE   0 0 5,704
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,689 73,695 SH   SOLE   0 0 73,695
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,312 14,141 SH   SOLE   0 0 14,141
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 808 16,800 SH   SOLE   0 0 16,800
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 287 4,925 SH   SOLE   0 0 4,925
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 65,036 1,125,391 SH   SOLE   0 0 1,125,391
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 10,270 282,463 SH   SOLE   0 0 282,463
WELLS FARGO CO NEW COM 949746101 205 5,093 SH   SOLE   0 0 5,093