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
VANGUARD INDEX FDS VALUE ETF 922908744   41,267 298,795 SH   SOLE N/A 0 0 298,795
VANGUARD INDEX FDS GROWTH ETF 922908736   35,585 142,659 SH   SOLE N/A 0 0 142,659
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   9,355 207,114 SH   SOLE N/A 0 0 207,114
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,198 15,669 SH   SOLE N/A 0 0 15,669
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   4,063 61,960 SH   SOLE N/A 0 0 61,960
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,193 47,054 SH   SOLE N/A 0 0 47,054
ISHARES TR CORE MSCI EAFE 46432F842   6,260 93,643 SH   SOLE N/A 0 0 93,643
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   7,740 118,760 SH   SOLE N/A 0 0 118,760
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,905 69,292 SH   SOLE N/A 0 0 69,292
PROSHARES TR II VIX MDTRM FUTR N 74347W338   1,263 47,091 SH   SOLE N/A 0 0 47,091
VANGUARD INDEX FDS SM CP VAL ETF 922908611   6,142 38,690 SH   SOLE N/A 0 0 38,690
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   856 10,313 SH   SOLE N/A 0 0 10,313
VANGUARD INDEX FDS MID CAP ETF 922908629   1,039 4,927 SH   SOLE N/A 0 0 4,927
SPDR SER TR PORTFOLIO S&P500 78464A854   1,330 27,613 SH   SOLE N/A 0 0 27,613
VANGUARD INDEX FDS SML CP GRW ETF 922908595   4,021 18,581 SH   SOLE N/A 0 0 18,581
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,935 34,952 SH   SOLE N/A 0 0 34,952
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   960 6,233 SH   SOLE N/A 0 0 6,233
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,322 38,744 SH   SOLE N/A 0 0 38,744
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   946 7,057 SH   SOLE N/A 0 0 7,057
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,009 5,324 SH   SOLE N/A 0 0 5,324
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   864 4,433 SH   SOLE N/A 0 0 4,433
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   566 11,704 SH   SOLE N/A 0 0 11,704
SPDR SER TR PRTFLO S&P500 VL 78464A508   816 20,030 SH   SOLE N/A 0 0 20,030
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   684 19,641 SH   SOLE N/A 0 0 19,641
ISHARES TR IBONDS 24 TRM TS 46436E874   1,854 77,211 SH   SOLE N/A 0 0 77,211
APPLE INC COM 037833100   1,919 11,639 SH   SOLE N/A 0 0 11,639
PROCTER AND GAMBLE CO COM 742718109   1,481 9,958 SH   SOLE N/A 0 0 9,958
ISHARES TR IBONDS 25 TRM TS 46436E866   995 42,271 SH   SOLE N/A 0 0 42,271
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   743 11,817 SH   SOLE N/A 0 0 11,817
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,330 3,537 SH   SOLE N/A 0 0 3,537
TESLA INC COM 88160R101   377 1,815 SH   SOLE N/A 0 0 1,815
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,222 2,986 SH   SOLE N/A 0 0 2,986
ISHARES TR IBONDS 23 TRM TS 46436E882   2,238 90,201 SH   SOLE N/A 0 0 90,201
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   595 5,218 SH   SOLE N/A 0 0 5,218
GUGGENHEIM STRATEGIC OPPORTU COM SBI 40167F101   228 14,088 SH   SOLE N/A 0 0 14,088
CONOCOPHILLIPS COM 20825C104   756 7,621 SH   SOLE N/A 0 0 7,621
EVERBRIDGE INC COM 29978A104   728 21,000 SH   SOLE N/A 0 0 21,000
NORTHROP GRUMMAN CORP COM 666807102   475 1,028 SH   SOLE N/A 0 0 1,028
ISHARES TR IBONDS DEC24 ETF 46434VBG4   764 31,057 SH   SOLE N/A 0 0 31,057
MICROSOFT CORP COM 594918104   849 2,943 SH   SOLE N/A 0 0 2,943
CBRE GROUP INC CL A 12504L109   309 4,246 SH   SOLE N/A 0 0 4,246
EXXON MOBIL CORP COM 30231G102   433 3,946 SH   SOLE N/A 0 0 3,946
COLGATE PALMOLIVE CO COM 194162103   215 2,862 SH   SOLE N/A 0 0 2,862
TRUECAR INC COM 89785L107   45 19,633 SH   SOLE N/A 0 0 19,633
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,518 20,752 SH   SOLE N/A 0 0 20,752
ISHARES TR IBONDS DEC25 ETF 46434VBD1   830 33,841 SH   SOLE N/A 0 0 33,841
ISHARES TR IBONDS DEC23 ETF 46434VAX8   357 14,173 SH   SOLE N/A 0 0 14,173
ISHARES TR CORE S&P 500 ETF 464287200   294 715 SH   SOLE N/A 0 0 715
ISHARES TR SP SMCP600VL ETF 464287879   308 3,286 SH   SOLE N/A 0 0 3,286
WISDOMTREE TR US EFFICIENT COR 97717Y790   319 9,101 SH   SOLE N/A 0 0 9,101
ISHARES TR CORE S&P SCP ETF 464287804   243 2,512 SH   SOLE N/A 0 0 2,512
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   258 4,825 SH   SOLE N/A 0 0 4,825
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   220 5,452 SH   SOLE N/A 0 0 5,452
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   323 3,065 SH   SOLE N/A 0 0 3,065
ISHARES TR CORE S&P MCP ETF 464287507   230 920 SH   SOLE N/A 0 0 920
AMERICAN CENTY ETF TR US EQT ETF 025072885   781 11,023 SH   SOLE N/A 0 0 11,023
SPDR SER TR PORTFOLIO S&P600 78468R853   710 18,794 SH   SOLE N/A 0 0 18,794
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   660 2,137 SH   SOLE N/A 0 0 2,137
INVESCO QQQ TR UNIT SER 1 46090E103   415 1,293 SH   SOLE N/A 0 0 1,293
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   340 3,362 SH   SOLE N/A 0 0 3,362
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   306 1,163 SH   SOLE N/A 0 0 1,163
QUALCOMM INC COM 747525103   228 1,790 SH   SOLE N/A 0 0 1,790
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   228 989 SH   SOLE N/A 0 0 989
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   227 2,808 SH   SOLE N/A 0 0 2,808
AMAZON COM INC COM 023135106   223 2,155 SH   SOLE N/A 0 0 2,155
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   212 3,721 SH   SOLE N/A 0 0 3,721
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   209 7,751 SH   SOLE N/A 0 0 7,751
CHEVRON CORP NEW COM 166764100   205 1,254 SH   SOLE N/A 0 0 1,254
ABBVIE INC COM 00287Y109   200 1,256 SH   SOLE N/A 0 0 1,256
SMILEDIRECTCLUB INC CL A COM 83192H106   5 11,500 SH   SOLE N/A 0 0 11,500