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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
HOME DEPOT INC COM 437076102   605 1,577 SH   SOLE   0 0 1,577
INVESCO QQQ TR UNIT SER 1 46090E103   398 898 SH   SOLE   0 0 898
JOHNSON & JOHNSON COM 478160104   202 1,279 SH   SOLE   0 0 1,279
MICROSOFT CORP COM 594918104   704 1,674 SH   SOLE   0 0 1,674
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   29,292 472,009 SH   SOLE   0 0 472,009
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,303 16,005 SH   SOLE   0 0 16,005
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   19,561 397,259 SH   SOLE   0 0 397,259
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,939 116,404 SH   SOLE   0 0 116,404
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   29,553 161,841 SH   SOLE   0 0 161,841
VANGUARD STAR FDS VG TL INTL STK F 921909768   16,439 272,272 SH   SOLE   0 0 272,272
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,668 47,850 SH   SOLE   0 0 47,850
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   31,455 433,093 SH   SOLE   0 0 433,093
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   5,299 110,666 SH   SOLE   0 0 110,666
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   16,960 219,384 SH   SOLE   0 0 219,384
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   6,563 75,985 SH   SOLE   0 0 75,985
VANGUARD INDEX FDS MID CAP ETF 922908629   20,628 82,561 SH   SOLE   0 0 82,561
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,188 5,200 SH   SOLE   0 0 5,200
WISDOMTREE TR US LARGECAP DIVD 97717W307   12,409 171,898 SH   SOLE   0 0 171,898