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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 13,635 251,289 SH   SOLE   251,289 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 828 5,590 SH   SOLE   5,590 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 352 5,218 SH   SOLE   5,218 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 928 6,040 SH   SOLE   6,040 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 3,692 15,624 SH   SOLE   15,624 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 3,884 27,818 SH   SOLE   27,818 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 7,143 112,921 SH   SOLE   112,921 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,248 32,244 SH   SOLE   32,244 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 16,051 317,913 SH   SOLE   317,913 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,505 70,085 SH   SOLE   70,085 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 12,942 44,600 SH   SOLE   44,600 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 3,614 12,901 SH   SOLE   12,901 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,891 22,988 SH   SOLE   22,988 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 8,010 140,626 SH   SOLE   140,626 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 12,519 92,479 SH   SOLE   92,479 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 417 4,885 SH   SOLE   4,885 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,927 22,186 SH   SOLE   22,186 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 327 4,264 SH   SOLE   4,264 0 0
ISHARES TR CORE S&P500 ETF 464287200 563 1,307 SH   SOLE   1,307 0 0
ISHARES TR CORE US AGGBD ET 464287226 372 3,240 SH   SOLE   3,240 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 290 3,906 SH   SOLE   3,906 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 219 1,000 SH   SOLE   1,000 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 5,736 104,728 SH   SOLE   104,728 0 0
FACEBOOK INC CL A 30303M102 210 620 SH   SOLE   620 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 996 9,573 SH   SOLE   9,573 0 0