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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
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   18,964,670 419,851 SH   SOLE   419,851 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,959,504 122,760 SH   SOLE   122,760 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   11,735,653 47,048 SH   SOLE   47,048 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   3,402,195 17,457 SH   SOLE   17,457 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   3,773,400 28,145 SH   SOLE   28,145 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,376,467 15,602 SH   SOLE   15,602 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,829,757 24,123 SH   SOLE   24,123 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   12,810,108 92,753 SH   SOLE   92,753 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,340,078 38,508 SH   SOLE   38,508 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   15,466,837 329,713 SH   SOLE   329,713 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,386,361 21,273 SH   SOLE   21,273 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   8,724,784 178,348 SH   SOLE   178,348 0 0
ISHARES TR CORE INTL AGGR 46435G672   315,874 6,453 SH   SOLE   6,453 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,035,170 14,021 SH   SOLE   14,021 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   5,344,383 96,801 SH   SOLE   96,801 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,528,163 22,186 SH   SOLE   22,186 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   271,536 4,002 SH   SOLE   4,002 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   217,065 703 SH   SOLE   703 0 0
ISHARES TR CORE S&P500 ETF 464287200   537,282 1,307 SH   SOLE   1,307 0 0
EXXON MOBIL CORP COM 30231G102   290,709 2,651 SH   SOLE   2,651 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   290,388 4,428 SH   SOLE   4,428 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   265,132 3,624 SH   SOLE   3,624 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   7,252,182 143,154 SH   SOLE   143,154 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669   201,483 3,232 SH   SOLE   3,232 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   447,367 18,245 SH   SOLE   18,245 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   930,207 6,040 SH   SOLE   6,040 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   926,092 19,146 SH   SOLE   19,146 0 0