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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
AIR PRODS & CHEMS INC COM 009158106   201 708 SH   SOLE   0 0 708
HOME DEPOT INC COM 437076102   622 2,059 SH   SOLE   0 0 2,059
MICROSOFT CORP COM 594918104   685 2,168 SH   SOLE   0 0 2,168
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   24,238 479,005 SH   SOLE   0 0 479,005
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,097 16,210 SH   SOLE   0 0 16,210
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   15,971 385,576 SH   SOLE   0 0 385,576
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,492 104,078 SH   SOLE   0 0 104,078
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   25,089 161,469 SH   SOLE   0 0 161,469
VANGUARD STAR FDS VG TL INTL STK F 921909768   13,927 260,224 SH   SOLE   0 0 260,224
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,482 46,321 SH   SOLE   0 0 46,321
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   29,345 420,539 SH   SOLE   0 0 420,539
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   4,873 103,057 SH   SOLE   0 0 103,057
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   15,762 209,744 SH   SOLE   0 0 209,744
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,337 70,545 SH   SOLE   0 0 70,545
VANGUARD INDEX FDS MID CAP ETF 922908629   16,353 78,528 SH   SOLE   0 0 78,528
VANGUARD INDEX FDS SMALL CP ETF 922908751   983 5,200 SH   SOLE   0 0 5,200
WISDOMTREE TR US LARGECAP DIVD 97717W307   10,244 166,596 SH   SOLE   0 0 166,596