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
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
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
Amazon Stock 023135106 807 7,140 SH   SOLE 0 0 0 7,140
Apple Stock 037833100 1,788 12,936 SH   SOLE 0 0 0 12,936
Berkshire Hathaway B Stock 084670702 687 2,572 SH   SOLE 0 0 0 2,572
Emerging Markets Internet & E-Commerce ETF ETF 301505889 248 9,295 SH   SOLE 0 0 0 9,295
Exxon Mobil Corp Stock 30231G102 317 3,629 SH   SOLE 0 0 0 3,629
Financial Select Sector SPDR Fund ETF 81369Y605 2,127 70,051 SH   SOLE 0 0 0 70,051
Hershey Co Stock 427866108 207 937 SH   SOLE 0 0 0 937
Honeywell International Inc Stock 438516106 237 1,417 SH   SOLE 0 0 0 1,416
International Business Machines Stock 459200101 852 7,171 SH   SOLE 0 0 0 7,170
Invesco National AMT-Free Muni Bond ETF ETF 46138E537 250 11,336 SH   SOLE 0 0 0 11,336
Invesco QQQ ETF ETF 46090E103 4,130 15,452 SH   SOLE 0 0 0 15,451
Invesco S&P 500 Low Volatility Portfolio ETF 46138E354 604 10,450 SH   SOLE 0 0 0 10,450
iShares 3-7 Year Treasury Bond ETF ETF 464288661 264 2,312 SH   SOLE 0 0 0 2,312
iShares Core MSCI EAFE ETF ETF 46432F842 1,336 25,374 SH   SOLE 0 0 0 25,374
iShares Core S&P 500 ETF ETF 464287200 2,095 5,842 SH   SOLE 0 0 0 5,842
iShares Core U.S. Aggregate Bond ETF ETF 464287226 1,205 12,505 SH   SOLE 0 0 0 12,505
iShares Edge MSCI International Quality Factor ETF ETF 46434V456 611 21,983 SH   SOLE 0 0 0 21,983
iShares Edge MSCI Min Vol EAFE ETF ETF 46429B689 510 8,952 SH   SOLE 0 0 0 8,952
iShares Edge MSCI Min Vol USA ETF ETF 46429B697 452 6,841 SH   SOLE 0 0 0 6,841
iShares Edge MSCI USA Quality Factor ETF ETF 46432F339 1,907 18,351 SH   SOLE 0 0 0 18,351
iShares Global Clean Energy ETF ETF 464288224 791 41,422 SH   SOLE 0 0 0 41,421
iShares MSCI EAFE ESG Select ETF ETF 46435G516 219 3,901 SH   SOLE 0 0 0 3,901
iShares MSCI EAFE Value ETF ETF 464288877 658 17,075 SH   SOLE 0 0 0 17,075
iShares MSCI USA ESG Select ETF ETF 464288802 513 6,759 SH   SOLE 0 0 0 6,759
iShares Russell 1000 Growth ETF ETF 464287614 382 1,816 SH   SOLE 0 0 0 1,815
iShares Russell 1000 Value ETF ETF 464287598 434 3,193 SH   SOLE 0 0 0 3,192
iShares Russell 2000 Growth ETF ETF 464287648 266 1,286 SH   SOLE 0 0 0 1,286
iShares Select Dividend ETF ETF 464287168 622 5,798 SH   SOLE 0 0 0 5,797
iShares Short-Term National Muni Bond ETF ETF 464288158 388 3,784 SH   SOLE 0 0 0 3,784
iShares U.S. Infrastructure ETF ETF 46435U713 1,020 31,623 SH   SOLE 0 0 0 31,623
iShares U.S. Preferred Stock ETF ETF 464288687 404 12,751 SH   SOLE 0 0 0 12,750
iShares U.S. Technology ETF ETF 464287721 324 4,420 SH   SOLE 0 0 0 4,420
Johnson & Johnson Co Stock 478160104 768 4,700 SH   SOLE 0 0 0 4,699
Lockheed Martin Stock 539830109 598 1,548 SH   SOLE 0 0 0 1,548
McDonald's Stock 580135101 692 3,000 SH   SOLE 0 0 0 3,000
Microsoft Corp Stock 594918104 617 2,651 SH   SOLE 0 0 0 2,651
NASDAQ 100 Equal-Weighted ETF ETF 25459Y207 210 3,480 SH   SOLE 0 0 0 3,480
OGE Energy Corp Stock 670837103 230 6,315 SH   SOLE 0 0 0 6,315
Pepsico Stock 713448108 203 1,241 SH   SOLE 0 0 0 1,241
Pfizer Inc Stock 717081103 1,242 28,389 SH   SOLE 0 0 0 28,389
Procter & Gamble Co Stock 742718109 277 2,192 SH   SOLE 0 0 0 2,192
Realty Income Corp REIT 756109104 201 3,452 SH   SOLE 0 0 0 3,452
Schwab AMT Tax-Free Money Fund Ultra Money Market Fund 808515530 13,312 13,311,802 SH   SOLE 0 0 0 13,311,802
Schwab Fundamental Intl Large Cap ETF ETF 808524755 222 8,833 SH   SOLE 0 0 0 8,833
Schwab International Equity ETF ETF 808524805 1,431 50,873 SH   SOLE 0 0 0 50,873
Schwab US Dividend Equity ETF ETF 808524797 958 14,428 SH   SOLE 0 0 0 14,428
Schwab US Large Cap Growth ETF ETF 808524300 2,155 38,611 SH   SOLE 0 0 0 38,611
Schwab US Large Cap Value ETF ETF 808524409 775 13,243 SH   SOLE 0 0 0 13,242
Schwab US Mid Cap ETF ETF 808524508 614 10,149 SH   SOLE 0 0 0 10,149
Schwab US Small Cap ETF ETF 808524607 281 7,445 SH   SOLE 0 0 0 7,445
SPDR Consumer Staples ETF ETF 81369Y308 226 3,392 SH   SOLE 0 0 0 3,392
SPDR Dow Jones Industrial Average ETF ETF 78467X109 232 808 SH   SOLE 0 0 0 808
SPDR S&P 500 ETF ETF 78462F103 1,595 4,465 SH   SOLE 0 0 0 4,465
SPDR S&P Biotech ETF ETF 78464A870 626 7,888 SH   SOLE 0 0 0 7,888
SPDR S&P Dividend ETF ETF 78464A763 1,151 10,321 SH   SOLE 0 0 0 10,321
SPDR S&P Mid Cap 400 ETF ETF 78467Y107 925 2,302 SH   SOLE 0 0 0 2,302
Technology Select Sector SPDR ETF ETF 81369Y803 422 3,551 SH   SOLE 0 0 0 3,551
Tesla Inc Stock 88160R101 216 816 SH   SOLE 0 0 0 816
Texas Instruments Inc Stock 882508104 339 2,190 SH   SOLE 0 0 0 2,190
VanEck Morningstar Wide Moat ETF ETF 92189F643 478 7,968 SH   SOLE 0 0 0 7,968
Vanguard Communication Services ETF ETF 92204A884 208 2,528 SH   SOLE 0 0 0 2,528
Vanguard Dividend Appreciation Index ETF ETF 921908844 5,306 39,259 SH   SOLE 0 0 0 39,259
Vanguard Energy Index ETF ETF 92204A306 879 8,650 SH   SOLE 0 0 0 8,649
Vanguard Extended Market Index ETF ETF 922908652 1,423 11,197 SH   SOLE 0 0 0 11,197
Vanguard FTSE All-World Ex-US ETF ETF 922042775 981 22,118 SH   SOLE 0 0 0 22,117
Vanguard FTSE All-World Ex-US Small Cap ETF ETF 922042718 206 2,218 SH   SOLE 0 0 0 2,218
Vanguard FTSE Developed Markets ETF ETF 921943858 6,693 184,077 SH   SOLE 0 0 0 184,077
Vanguard FTSE Emerging Markets ETF ETF 922042858 2,389 65,456 SH   SOLE 0 0 0 65,456
Vanguard Health Care Index ETF ETF 92204A504 455 2,035 SH   SOLE 0 0 0 2,034
Vanguard High Dividend Yield ETF ETF 921946406 1,978 20,843 SH   SOLE 0 0 0 20,843
Vanguard Large Cap Growth Index ETF ETF 922908736 13,158 61,502 SH   SOLE 0 0 0 61,502
Vanguard Large Cap Value Index ETF ETF 922908744 15,918 128,909 SH   SOLE 0 0 0 128,909
Vanguard Mid Cap Index ETF ETF 922908629 4,487 23,868 SH   SOLE 0 0 0 23,867
Vanguard REIT ETF ETF 922908553 581 7,248 SH   SOLE 0 0 0 7,247
Vanguard S&P 500 ETF ETF 922908363 2,578 7,851 SH   SOLE 0 0 0 7,851
Vanguard Short-Term Bond Index ETF ETF 921937827 220 2,944 SH   SOLE 0 0 0 2,943
Vanguard Small Cap Growth Index ETF ETF 922908595 1,700 8,710 SH   SOLE 0 0 0 8,710
Vanguard Small Cap Index ETF ETF 922908751 1,959 11,465 SH   SOLE 0 0 0 11,464
Vanguard Small Cap Value Index ETF ETF 922908611 1,693 11,804 SH   SOLE 0 0 0 11,804
Vanguard Total Bond Market ETF ETF 921937835 1,174 16,457 SH   SOLE 0 0 0 16,457
Vanguard Total International Stock ETF ETF 921909768 2,423 52,935 SH   SOLE 0 0 0 52,934
Vanguard Total Stock Market Index ETF ETF 922908769 276 1,540 SH   SOLE 0 0 0 1,539