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
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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 INTL EQTY ETF 808524805 3,880 123,363 SH   SOLE   123,363 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 12,298 256,907 SH   SOLE   256,907 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,667 45,999 SH   SOLE   45,999 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,349 80,404 SH   SOLE   80,404 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,898 16,523 SH   SOLE   16,523 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 3,621 27,954 SH   SOLE   27,954 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,892 14,680 SH   SOLE   14,680 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,527 23,538 SH   SOLE   23,538 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 6,797 137,195 SH   SOLE   137,195 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 11,627 88,164 SH   SOLE   88,164 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 327 5,237 SH   SOLE   5,237 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 867 6,040 SH   SOLE   6,040 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 5,828 112,921 SH   SOLE   112,921 0 0
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 12,436 304,811 SH   SOLE   304,811 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 7,715 34,613 SH   SOLE   34,613 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,383 31,660 SH   SOLE   31,660 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,185 22,186 SH   SOLE   22,186 0 0
ISHARES TR CORE US AGGBD ET 464287226 428 4,205 SH   SOLE   4,205 0 0
ISHARES TR CORE S&P500 ETF 464287200 496 1,307 SH   SOLE   1,307 0 0
ISHARES TR CORE INTL AGGR 46435G672 847 17,004 SH   SOLE   17,004 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 252 4,016 SH   SOLE   4,016 0 0
EXXON MOBIL CORP COM 30231G102 227 2,651 SH   SOLE   2,651 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 265 3,703 SH   SOLE   3,703 0 0
ISHARES TR NATIONAL MUN ETF 464288414 4,836 45,467 SH   SOLE   45,467 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 510 10,207 SH   SOLE   10,207 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 855 19,146 SH   SOLE   19,146 0 0