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 692 2,509 SH   SOLE   0 0 2,509
JOHNSON & JOHNSON COM 478160104 335 2,053 SH   SOLE   0 0 2,053
MERCK & CO INC COM 58933Y105 215 2,500 SH   SOLE   0 0 2,500
MICROSOFT CORP COM 594918104 601 2,578 SH   SOLE   0 0 2,578
PEPSICO INC COM 713448108 201 1,232 SH   SOLE   0 0 1,232
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 17,598 415,541 SH   SOLE   0 0 415,541
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 981 16,210 SH   SOLE   0 0 16,210
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 12,468 329,848 SH   SOLE   0 0 329,848
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,976 88,209 SH   SOLE   0 0 88,209
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 333 11,850 SH   SOLE   0 0 11,850
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 896 19,770 SH   SOLE   0 0 19,770
UNITED PARCEL SERVICE INC CL B 911312106 323 2,000 SH   SOLE   0 0 2,000
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 20,511 151,754 SH   SOLE   0 0 151,754
VANGUARD STAR FDS VG TL INTL STK F 921909768 10,331 225,712 SH   SOLE   0 0 225,712
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,660 48,916 SH   SOLE   0 0 48,916
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 25,785 361,494 SH   SOLE   0 0 361,494
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,929 81,669 SH   SOLE   0 0 81,669
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 12,628 170,004 SH   SOLE   0 0 170,004
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,478 55,861 SH   SOLE   0 0 55,861
VANGUARD INDEX FDS MID CAP ETF 922908629 15,329 81,546 SH   SOLE   0 0 81,546
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,980 11,584 SH   SOLE   0 0 11,584
WISDOMTREE TR US LARGECAP DIVD 97717W307 8,229 148,912 SH   SOLE   0 0 148,912