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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM 023135106 BBG001S5PQL7 501,007 3,843 SH   SOLE   0 0 3,843
APPLE INC COM 037833100 BBG001S5N8V8 1,528,111 7,878 SH   SOLE   0 0 7,878
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,412,729 4,143 SH   SOLE   0 0 4,143
GLOBAL X FDS GLBL X MLP ETF 37954Y343 BBG002WKD6P0 290,325 6,763 SH   SOLE   0 0 6,763
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 409,333 8,305 SH   SOLE   0 0 8,305
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,191,472 17,651 SH   SOLE   0 0 17,651
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 409,543 1,566 SH   SOLE   0 0 1,566
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 8,962,814 91,607 SH   SOLE   0 0 91,607
ISHARES TR CORE S&P US GWT 464287671 BBG001SFQL99 4,021,221 41,184 SH   SOLE   0 0 41,184
ISHARES TR CORE S&P US VLU 464287663 BBG001SFQL80 12,483,201 159,509 SH   SOLE   0 0 159,509
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 830,786 1,864 SH   SOLE   0 0 1,864
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 3,020,358 10,976 SH   SOLE   0 0 10,976
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 207,164 1,313 SH   SOLE   0 0 1,313
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 1,747,362 7,201 SH   SOLE   0 0 7,201
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 2,305,951 16,377 SH   SOLE   0 0 16,377
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 2,534,252 26,226 SH   SOLE   0 0 26,226
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 311,233 2,834 SH   SOLE   0 0 2,834
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 519,863 7,118 SH   SOLE   0 0 7,118
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 274,004 3,653 SH   SOLE   0 0 3,653
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 887,995 7,726 SH   SOLE   0 0 7,726
ISHARES TR U.S. REAL ES ETF 464287739 BBG001SFGXJ3 433,459 5,009 SH   SOLE   0 0 5,009
MICROSOFT CORP COM 594918104 BBG001S5TD05 516,323 1,516 SH   SOLE   0 0 1,516
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 562,987 15,792 SH   SOLE   0 0 15,792
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 1,616,912 30,875 SH   SOLE   0 0 30,875
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 206,410 2,906 SH   SOLE   0 0 2,906
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 1,584,987 36,187 SH   SOLE   0 0 36,187
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 1,275,213 39,189 SH   SOLE   0 0 39,189
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 447,203 13,008 SH   SOLE   0 0 13,008
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 676,561 1,526 SH   SOLE   0 0 1,526
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 1,063,708 19,539 SH   SOLE   0 0 19,539
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 546,560 11,910 SH   SOLE   0 0 11,910
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 331,550 6,363 SH   SOLE   0 0 6,363
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 252,234 8,568 SH   SOLE   0 0 8,568
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 572,988 9,392 SH   SOLE   0 0 9,392
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 11,610,409 268,759 SH   SOLE   0 0 268,759
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 1,290,599 18,764 SH   SOLE   0 0 18,764
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 487,510 6,335 SH   SOLE   0 0 6,335
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 1,591,625 20,620 SH   SOLE   0 0 20,620
TESLA INC COM 88160R101 BBG001SQKGD7 322,762 1,233 SH   SOLE   0 0 1,233
UNION PAC CORP COM 907818108 BBG001S5X2M0 393,631 1,924 SH   SOLE   0 0 1,924
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 25,208,833 89,090 SH   SOLE   0 0 89,090
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 203,037 1,002 SH   SOLE   0 0 1,002
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 1,043,890 5,073 SH   SOLE   0 0 5,073
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 4,284,146 30,959 SH   SOLE   0 0 30,959
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 2,158,005 9,802 SH   SOLE   0 0 9,802
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 5,202,735 62,263 SH   SOLE   0 0 62,263
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,421,705 8,596 SH   SOLE   0 0 8,596
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 4,078,265 18,514 SH   SOLE   0 0 18,514
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 14,269,660 100,420 SH   SOLE   0 0 100,420
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 513,053 12,612 SH   SOLE   0 0 12,612
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 1,239,497 26,841 SH   SOLE   0 0 26,841