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
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 115 2,341 SH   SOLE   0 0 2,341
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 15 525 SH   SOLE   0 0 525
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 23 633 SH   SOLE   0 0 633
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 37 694 SH   SOLE   0 0 694
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 24 512 SH   SOLE   0 0 512
VANGUARD WORLD FD ESG US STK ETF 921910733 3,653 45,056 SH   SOLE   0 0 45,056
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 4,534 36,596 SH   SOLE   0 0 36,596
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 12,877 268,095 SH   SOLE   0 0 268,095
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,502 119,264 SH   SOLE   0 0 119,264
VANGUARD INDEX FDS LARGE CAP ETF 922908637 11,677 56,007 SH   SOLE   0 0 56,007
VANGUARD INDEX FDS VALUE ETF 922908744 5,788 39,168 SH   SOLE   0 0 39,168
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,772 36,573 SH   SOLE   0 0 36,573
VANGUARD INDEX FDS SM CP VAL ETF 922908611 7,026 39,934 SH   SOLE   0 0 39,934
ISHARES TR IBOXX HI YD ETF 464288513 5,106 62,050 SH   SOLE   0 0 62,050
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 89 1,760 SH   SOLE   0 0 1,760
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 18,737 363,480 SH   SOLE   0 0 363,480
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 15,915 200,090 SH   SOLE   0 0 200,090
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 10,084 192,305 SH   SOLE   0 0 192,305
SCHWAB STRATEGIC TR US REIT ETF 808524847 9 364 SH   SOLE   0 0 364
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,509 50,835 SH   SOLE   0 0 50,835
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 6,074 164,571 SH   SOLE   0 0 164,571