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
ISHARES TR CORE INTL AGGR 46435G672 798 15,309 SH   SOLE   15,309 0 0
ISHARES INC CORE MSCI EMKT 46434G103 259 4,664 SH   SOLE   4,664 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,861 105,142 SH   SOLE   105,142 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 5,791 114,515 SH   SOLE   114,515 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 12,091 42,040 SH   SOLE   42,040 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 3,624 16,265 SH   SOLE   16,265 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 4,180 27,931 SH   SOLE   27,931 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 3,626 14,614 SH   SOLE   14,614 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,129 23,466 SH   SOLE   23,466 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 13,093 88,599 SH   SOLE   88,599 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 778 10,402 SH   SOLE   10,402 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 326 4,560 SH   SOLE   4,560 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 979 6,040 SH   SOLE   6,040 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 6,746 112,921 SH   SOLE   112,921 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 14,518 302,272 SH   SOLE   302,272 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,430 74,349 SH   SOLE   74,349 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 7,329 139,752 SH   SOLE   139,752 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 349 4,389 SH   SOLE   4,389 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,051 22,186 SH   SOLE   22,186 0 0
ISHARES TR CORE US AGGBD ET 464287226 10,141 94,690 SH   SOLE   94,690 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 305 4,016 SH   SOLE   4,016 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 248 703 SH   SOLE   703 0 0
ISHARES TR CORE S&P500 ETF 464287200 627 1,382 SH   SOLE   1,382 0 0
EXXON MOBIL CORP COM 30231G102 219 2,651 SH   SOLE   2,651 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 298 3,778 SH   SOLE   3,778 0 0
ISHARES TR CORE MSCI EAFE 46432F842 405 5,832 SH   SOLE   5,832 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 377 5,691 SH   SOLE   5,691 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 205 1,000 SH   SOLE   1,000 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 206 3,232 SH   SOLE   3,232 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 536 10,398 SH   SOLE   10,398 0 0
ISHARES TR NATIONAL MUN ETF 464288414 5,337 48,678 SH   SOLE   48,678 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,031 19,146 SH   SOLE   19,146 0 0