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
OMB APPROVAL
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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 95 2,349 SH   SOLE   0 0 2,349
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 12 503 SH   SOLE   0 0 503
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 18 603 SH   SOLE   0 0 603
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 30 673 SH   SOLE   0 0 673
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 19 490 SH   SOLE   0 0 490
VANGUARD WORLD FD ESG US STK ETF 921910733 2,991 45,056 SH   SOLE   0 0 45,056
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,903 37,818 SH   SOLE   0 0 37,818
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 11,253 275,830 SH   SOLE   0 0 275,830
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,112 122,747 SH   SOLE   0 0 122,747
VANGUARD INDEX FDS LARGE CAP ETF 922908637 10,013 58,097 SH   SOLE   0 0 58,097
VANGUARD INDEX FDS VALUE ETF 922908744 5,269 39,955 SH   SOLE   0 0 39,955
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,642 37,718 SH   SOLE   0 0 37,718
VANGUARD INDEX FDS SM CP VAL ETF 922908611 6,108 40,773 SH   SOLE   0 0 40,773
ISHARES TR IBOXX HI YD ETF 464288513 4,677 63,542 SH   SOLE   0 0 63,542
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 78 1,649 SH   SOLE   0 0 1,649
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 18,353 367,667 SH   SOLE   0 0 367,667
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 15,498 205,929 SH   SOLE   0 0 205,929
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 9,720 196,218 SH   SOLE   0 0 196,218
SCHWAB STRATEGIC TR US REIT ETF 808524847 7 343 SH   SOLE   0 0 343
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,752 52,167 SH   SOLE   0 0 52,167
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 5,637 161,983 SH   SOLE   0 0 161,983