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
AMAZON COM INC COM 023135106 BBG001S5PQL7 241,168 1,337 SH   SOLE   0 0 1,337
APPLE INC COM 037833100 BBG001S5N8V8 1,553,613 9,060 SH   SOLE   0 0 9,060
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 1,268,880 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,716,142 4,081 SH   SOLE   0 0 4,081
ELI LILLY & CO COM 532457108 BBG001S5STL8 273,842 352 SH   SOLE   0 0 352
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 745,731 7,185 SH   SOLE   0 0 7,185
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 477,825 7,545 SH   SOLE   0 0 7,545
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 310,017 3,882 SH   SOLE   0 0 3,882
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 322,931 7,861 SH   SOLE   0 0 7,861
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 5,610,058 16,645 SH   SOLE   0 0 16,645
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 2,942,451 16,428 SH   SOLE   0 0 16,428
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 1,884,573 6,959 SH   SOLE   0 0 6,959
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 1,656,706 10,432 SH   SOLE   0 0 10,432
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 325,094 3,850 SH   SOLE   0 0 3,850
MCDONALDS CORP COM 580135101 BBG001S5T110 208,079 738 SH   SOLE   0 0 738
MICROSOFT CORP COM 594918104 BBG001S5TD05 203,225 483 SH   SOLE   0 0 483
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 913,499 1,011 SH   SOLE   0 0 1,011
PEPSICO INC COM 713448108 BBG001S695T1 275,116 1,572 SH   SOLE   0 0 1,572
RINGCENTRAL INC NOTE 3/0 76680RAF4   28,355 30,000 PRN   SOLE   0 0 30,000
S&P GLOBAL INC COM 78409V104 BBG001S5T5M8 406,305 955 SH   SOLE   0 0 955
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 5,251,236 207,970 SH   SOLE   0 0 207,970
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 10,189,353 261,132 SH   SOLE   0 0 261,132
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 3,225,469 90,097 SH   SOLE   0 0 90,097
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 43,408,591 884,987 SH   SOLE   0 0 884,987
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 4,185,158 86,811 SH   SOLE   0 0 86,811
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 41,568,268 448,320 SH   SOLE   0 0 448,320
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 14,588,044 191,998 SH   SOLE   0 0 191,998
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 6,203,878 99,966 SH   SOLE   0 0 99,966
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 540,180 10,970 SH   SOLE   0 0 10,970
TESLA INC COM 88160R101 BBG001SQKGD7 835,003 4,750 SH   SOLE   0 0 4,750
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 1,179,860 2,385 SH   SOLE   0 0 2,385
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 32,450,330 94,278 SH   SOLE   0 0 94,278
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 359,564 748 SH   SOLE   0 0 748
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 6,828,576 35,588 SH   SOLE   0 0 35,588
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,270,275 5,557 SH   SOLE   0 0 5,557
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 9,651,588 37,019 SH   SOLE   0 0 37,019
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 1,045,058 4,021 SH   SOLE   0 0 4,021
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 28,748,218 176,521 SH   SOLE   0 0 176,521
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 287,240 4,898 SH   SOLE   0 0 4,898
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 3,566,943 85,395 SH   SOLE   0 0 85,395
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 2,659,021 22,758 SH   SOLE   0 0 22,758
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 1,793,211 30,627 SH   SOLE   0 0 30,627
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 68,830,429 1,185,301 SH   SOLE   0 0 1,185,301
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 14,467,523 288,370 SH   SOLE   0 0 288,370
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 286,844 4,949 SH   SOLE   0 0 4,949