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
HOME DEPOT INC COM 437076102 685 2,499 SH   SOLE   0 0 2,499
JOHNSON & JOHNSON COM 478160104 363 2,045 SH   SOLE   0 0 2,045
MERCK & CO INC COM 58933Y105 228 2,500 SH   SOLE   0 0 2,500
MICROSOFT CORP COM 594918104 661 2,575 SH   SOLE   0 0 2,575
PEPSICO INC COM 713448108 205 1,232 SH   SOLE   0 0 1,232
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 17,745 397,332 SH   SOLE   0 0 397,332
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,017 16,210 SH   SOLE   0 0 16,210
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 11,982 307,305 SH   SOLE   0 0 307,305
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,217 87,359 SH   SOLE   0 0 87,359
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 373 11,850 SH   SOLE   0 0 11,850
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,263 47,270 SH   SOLE   0 0 47,270
UNITED PARCEL SERVICE INC CL B 911312106 365 2,000 SH   SOLE   0 0 2,000
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 21,391 149,100 SH   SOLE   0 0 149,100
VANGUARD STAR FDS VG TL INTL STK F 921909768 11,587 224,506 SH   SOLE   0 0 224,506
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,926 51,127 SH   SOLE   0 0 51,127
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 28,142 373,924 SH   SOLE   0 0 373,924
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,899 77,799 SH   SOLE   0 0 77,799
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 11,555 151,509 SH   SOLE   0 0 151,509
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,667 51,230 SH   SOLE   0 0 51,230
VANGUARD INDEX FDS MID CAP ETF 922908629 16,114 81,810 SH   SOLE   0 0 81,810
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,040 11,584 SH   SOLE   0 0 11,584
WISDOMTREE TR US LARGECAP DIVD 97717W307 8,176 138,346 SH   SOLE   0 0 138,346