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
3M CO COM 88579Y101   243,078 2,027 SH   SOLE   0 0 2,027
APPLE INC COM 037833100   566,625 4,361 SH   SOLE   0 0 4,361
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,406,133 3 SH   SOLE   0 0 3
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   996,203 3,225 SH   SOLE   0 0 3,225
ISHARES TR EAFE GRWTH ETF 464288885   611,448 7,300 SH   SOLE   0 0 7,300
ISHARES TR EAFE SML CP ETF 464288273   728,344 12,896 SH   SOLE   0 0 12,896
ISHARES TR MSCI EAFE ETF 464287465   261,838 3,989 SH   SOLE   0 0 3,989
ISHARES TR MSCI EMG MKT ETF 464287234   280,537 7,402 SH   SOLE   0 0 7,402
ISHARES TR RUS 1000 GRW ETF 464287614   4,367,836 20,388 SH   SOLE   0 0 20,388
ISHARES TR RUS 1000 VAL ETF 464287598   2,970,547 19,588 SH   SOLE   0 0 19,588
ISHARES TR RUS 2000 GRW ETF 464287648   1,821,482 8,491 SH   SOLE   0 0 8,491
ISHARES TR RUS 2000 VAL ETF 464287630   1,919,766 13,844 SH   SOLE   0 0 13,844
ISHARES TR S&P 500 GRWT ETF 464287309   225,225 3,850 SH   SOLE   0 0 3,850
PEPSICO INC COM 713448108   368,366 2,039 SH   SOLE   0 0 2,039
RINGCENTRAL INC NOTE 3/0 76680RAF4   25,960 30,000 PRN   SOLE   0 0 30,000
S&P GLOBAL INC COM 78409V104   319,868 955 SH   SOLE   0 0 955
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   4,787,630 202,266 SH   SOLE   0 0 202,266
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   8,069,493 250,528 SH   SOLE   0 0 250,528
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   3,777,966 120,050 SH   SOLE   0 0 120,050
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   28,771,637 584,433 SH   SOLE   0 0 584,433
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   8,549,382 177,226 SH   SOLE   0 0 177,226
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   23,470,701 422,439 SH   SOLE   0 0 422,439
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   10,804,519 163,655 SH   SOLE   0 0 163,655
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   6,823,890 151,138 SH   SOLE   0 0 151,138
SCHWAB STRATEGIC TR US REIT ETF 808524847   5,070,164 262,839 SH   SOLE   0 0 262,839
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   471,308 11,634 SH   SOLE   0 0 11,634
TESLA INC COM 88160R101   484,467 3,933 SH   SOLE   0 0 3,933
UNITEDHEALTH GROUP INC COM 91324P102   1,248,044 2,354 SH   SOLE   0 0 2,354
VANGUARD INDEX FDS GROWTH ETF 922908736   21,577,383 101,250 SH   SOLE   0 0 101,250
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   230,830 657 SH   SOLE   0 0 657
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,428,104 27,885 SH   SOLE   0 0 27,885
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,057,925 5,764 SH   SOLE   0 0 5,764
VANGUARD INDEX FDS SML CP GRW ETF 922908595   5,750,860 28,677 SH   SOLE   0 0 28,677
VANGUARD INDEX FDS TOTAL STK MKT 922908769   696,123 3,641 SH   SOLE   0 0 3,641
VANGUARD INDEX FDS VALUE ETF 922908744   24,185,864 172,301 SH   SOLE   0 0 172,301
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   286,406 5,712 SH   SOLE   0 0 5,712
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,603,933 66,802 SH   SOLE   0 0 66,802
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   1,216,150 11,829 SH   SOLE   0 0 11,829
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   291,938 6,250 SH   SOLE   0 0 6,250
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,666,972 28,505 SH   SOLE   0 0 28,505
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   63,506,828 1,098,354 SH   SOLE   0 0 1,098,354
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   10,712,045 255,231 SH   SOLE   0 0 255,231
WELLS FARGO CO NEW COM 949746101   200,628 4,859 SH   SOLE   0 0 4,859