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 INTL EQTY ETF 808524805 2,147 76,324 SH   SOLE   76,324 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 6,086 134,330 SH   SOLE   134,330 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,227 21,982 SH   SOLE   21,982 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,799 76,704 SH   SOLE   76,704 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,818 16,523 SH   SOLE   16,523 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 3,347 27,485 SH   SOLE   27,485 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,832 14,513 SH   SOLE   14,513 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,385 23,608 SH   SOLE   23,608 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 3,473 72,765 SH   SOLE   72,765 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 10,919 88,429 SH   SOLE   88,429 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 12,745 350,536 SH   SOLE   350,536 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 8,970 41,924 SH   SOLE   41,924 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 305 5,220 SH   SOLE   5,220 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 816 6,040 SH   SOLE   6,040 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 5,168 112,921 SH   SOLE   112,921 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,716 24,051 SH   SOLE   24,051 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,982 22,186 SH   SOLE   22,186 0 0
ISHARES TR CORE US AGGBD ET 464287226 6,845 71,053 SH   SOLE   71,053 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 242 4,002 SH   SOLE   4,002 0 0
ISHARES TR CORE S&P500 ETF 464287200 469 1,307 SH   SOLE   1,307 0 0
EXXON MOBIL CORP COM 30231G102 231 2,651 SH   SOLE   2,651 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 245 3,689 SH   SOLE   3,689 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 869 18,042 SH   SOLE   18,042 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 237 10,599 SH   SOLE   10,599 0 0
ISHARES TR CORE INTL AGGR 46435G672 3,864 79,954 SH   SOLE   79,954 0 0
ISHARES TR NATIONAL MUN ETF 464288414 4,285 41,773 SH   SOLE   41,773 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 811 19,146 SH   SOLE   19,146 0 0