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 BBG001S5T7X2 213,058 2,027 SH   SOLE   0 0 2,027
APPLE INC COM 037833100 BBG001S5N8V8 752,109 4,561 SH   SOLE   0 0 4,561
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 1,396,800 3 SH   SOLE   0 0 3
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 930,942 3,015 SH   SOLE   0 0 3,015
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 680,117 7,260 SH   SOLE   0 0 7,260
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 751,946 12,636 SH   SOLE   0 0 12,636
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 284,793 3,982 SH   SOLE   0 0 3,982
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 294,017 7,451 SH   SOLE   0 0 7,451
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 5,415,229 22,164 SH   SOLE   0 0 22,164
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 2,709,190 17,793 SH   SOLE   0 0 17,793
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 1,929,603 8,507 SH   SOLE   0 0 8,507
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 1,897,060 13,845 SH   SOLE   0 0 13,845
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 245,977 3,850 SH   SOLE   0 0 3,850
MCDONALDS CORP COM 580135101 BBG001S5T110 206,352 738 SH   SOLE   0 0 738
PEPSICO INC COM 713448108 BBG001S695T1 362,595 1,989 SH   SOLE   0 0 1,989
RINGCENTRAL INC NOTE 3/0 76680RAF4   26,450 30,000 PRN   SOLE   0 0 30,000
S&P GLOBAL INC COM 78409V104 BBG001S5T5M8 329,255 955 SH   SOLE   0 0 955
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 5,104,273 208,168 SH   SOLE   0 0 208,168
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 9,127,851 262,295 SH   SOLE   0 0 262,295
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 4,099,633 121,615 SH   SOLE   0 0 121,615
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 30,662,146 608,014 SH   SOLE   0 0 608,014
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 9,037,128 185,225 SH   SOLE   0 0 185,225
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 29,530,373 453,128 SH   SOLE   0 0 453,128
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 11,510,814 175,523 SH   SOLE   0 0 175,523
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 6,643,521 137,348 SH   SOLE   0 0 137,348
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 5,457,485 279,871 SH   SOLE   0 0 279,871
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 490,554 11,699 SH   SOLE   0 0 11,699
TESLA INC COM 88160R101 BBG001SQKGD7 844,985 4,073 SH   SOLE   0 0 4,073
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 1,109,641 2,348 SH   SOLE   0 0 2,348
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 24,661,537 98,868 SH   SOLE   0 0 98,868
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 247,078 657 SH   SOLE   0 0 657
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 4,555,185 28,692 SH   SOLE   0 0 28,692
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,120,300 5,910 SH   SOLE   0 0 5,910
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 6,668,440 30,814 SH   SOLE   0 0 30,814
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 743,128 3,641 SH   SOLE   0 0 3,641
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 24,134,548 174,749 SH   SOLE   0 0 174,749
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 285,455 5,339 SH   SOLE   0 0 5,339
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 2,636,631 65,263 SH   SOLE   0 0 65,263
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 1,323,236 12,113 SH   SOLE   0 0 12,113
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 227,145 4,750 SH   SOLE   0 0 4,750
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 1,856,302 30,959 SH   SOLE   0 0 30,959
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 62,619,594 1,069,689 SH   SOLE   0 0 1,069,689
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 12,122,634 268,378 SH   SOLE   0 0 268,378