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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,240,343 38,508 SH   SOLE   38,508 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   14,682,090 321,623 SH   SOLE   321,623 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,183,872 21,308 SH   SOLE   21,308 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,216,194 108,163 SH   SOLE   108,163 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   3,010,620 16,748 SH   SOLE   16,748 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   3,724,239 27,538 SH   SOLE   27,538 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   2,945,300 14,687 SH   SOLE   14,687 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,736,573 23,530 SH   SOLE   23,530 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   7,968,667 168,009 SH   SOLE   168,009 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   12,638,063 90,034 SH   SOLE   90,034 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   16,558,676 394,536 SH   SOLE   394,536 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   9,260,695 43,455 SH   SOLE   43,455 0 0
ISHARES TR CORE INTL AGGR 46435G672   306,840 6,453 SH   SOLE   6,453 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   848,718 11,814 SH   SOLE   11,814 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   5,585,605 107,997 SH   SOLE   107,997 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,241,741 22,186 SH   SOLE   22,186 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   262,571 4,002 SH   SOLE   4,002 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   217,157 703 SH   SOLE   703 0 0
ISHARES TR CORE S&P500 ETF 464287200   502,162 1,307 SH   SOLE   1,307 0 0
EXXON MOBIL CORP COM 30231G102   292,405 2,651 SH   SOLE   2,651 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   292,337 4,428 SH   SOLE   4,428 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   278,667 3,689 SH   SOLE   3,689 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   7,084,691 143,154 SH   SOLE   143,154 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   917,161 6,040 SH   SOLE   6,040 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   864,442 19,146 SH   SOLE   19,146 0 0