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
Estimated average burden
hours per response: 23.8
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   1,372,810 38,508 SH   SOLE   38,508 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   15,358,678 332,727 SH   SOLE   332,727 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,594,411 21,273 SH   SOLE   21,273 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,215,217 128,201 SH   SOLE   128,201 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   3,654,681 17,761 SH   SOLE   17,761 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   3,925,287 28,366 SH   SOLE   28,366 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,726,044 16,219 SH   SOLE   16,219 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,074,551 24,635 SH   SOLE   24,635 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   9,249,660 189,232 SH   SOLE   189,232 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   13,451,034 94,659 SH   SOLE   94,659 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   19,748,461 427,641 SH   SOLE   427,641 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   13,526,337 47,803 SH   SOLE   47,803 0 0
ISHARES TR CORE INTL AGGR 46435G672   318,068 6,453 SH   SOLE   6,453 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   889,362 12,235 SH   SOLE   12,235 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   5,428,600 96,801 SH   SOLE   96,801 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,887,132 22,186 SH   SOLE   22,186 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   284,262 4,002 SH   SOLE   4,002 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   239,723 703 SH   SOLE   703 0 0
ISHARES TR CORE S&P500 ETF 464287200   582,543 1,307 SH   SOLE   1,307 0 0
EXXON MOBIL CORP COM 30231G102   284,320 2,651 SH   SOLE   2,651 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   298,349 4,447 SH   SOLE   4,447 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   253,299 3,488 SH   SOLE   3,488 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   8,379,709 166,860 SH   SOLE   166,860 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669   215,445 3,232 SH   SOLE   3,232 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   449,374 18,245 SH   SOLE   18,245 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   981,063 6,040 SH   SOLE   6,040 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,002,676 19,146 SH   SOLE   19,146 0 0