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
AIR PRODS & CHEMS INC COM 009158106   200,924 700 SH   SOLE   0 0 700
HOME DEPOT INC COM 437076102   601,894 2,039 SH   SOLE   0 0 2,039
MICROSOFT CORP COM 594918104   623,401 2,162 SH   SOLE   0 0 2,162
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   22,507,358 465,316 SH   SOLE   0 0 465,316
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,099,849 16,210 SH   SOLE   0 0 16,210
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   15,468,149 368,904 SH   SOLE   0 0 368,904
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,375,871 96,895 SH   SOLE   0 0 96,895
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   405,537 8,645 SH   SOLE   0 0 8,645
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   24,433,028 158,646 SH   SOLE   0 0 158,646
VANGUARD STAR FDS VG TL INTL STK F 921909768   13,770,549 249,421 SH   SOLE   0 0 249,421
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,502,955 45,796 SH   SOLE   0 0 45,796
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   29,866,074 404,525 SH   SOLE   0 0 404,525
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   4,564,403 95,450 SH   SOLE   0 0 95,450
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   15,138,732 198,593 SH   SOLE   0 0 198,593
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,483,619 66,036 SH   SOLE   0 0 66,036
VANGUARD INDEX FDS MID CAP ETF 922908629   16,369,041 77,608 SH   SOLE   0 0 77,608
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,154,231 6,089 SH   SOLE   0 0 6,089
WISDOMTREE TR US LARGECAP DIVD 97717W307   9,962,082 161,042 SH   SOLE   0 0 161,042