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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
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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
AMAZON COM INC COM 023135106   369,682 134 SH   SOLE   134 0 0
AMCOR PLC ORD G0250X107   119,968 11,750 SH   SOLE   11,750 0 0
APPLE INC COM 037833100   774,470 2,123 SH   SOLE   2,123 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   534,600 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   345,774 1,937 SH   SOLE   1,937 0 0
CISCO SYS INC COM 17275R102   261,184 5,600 SH   SOLE   5,600 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200   18,344,998 607,048 SH   SOLE   607,048 0 0
EXXON MOBIL CORP COM 30231G102   292,558 6,542 SH   SOLE   6,542 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   287,711 1,162 SH   SOLE   1,162 0 0
ISHARES INC CORE MSCI EMKT 46434G103   8,188,059 172,018 SH   SOLE   172,018 0 0
ISHARES TR U.S. REAL ES ETF 464287739   492,238 6,246 SH   SOLE   6,245 0 0
ISHARES TR INTL DEVPPTY ETF 464288422   519,857 17,197 SH   SOLE   17,196 0 0
ISHARES TR GLOBAL REIT ETF 46434V647   319,005 15,278 SH   SOLE   15,278 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,756,539 45,286 SH   SOLE   45,285 0 0
ISHARES TR SP SMCP600VL ETF 464287879   460,033 3,822 SH   SOLE   3,821 0 0
ISHARES TR RUS 1000 ETF 464287622   18,153,205 105,739 SH   SOLE   105,738 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   18,666,528 139,646 SH   SOLE   139,646 0 0
ISHARES TR CORE S&P500 ETF 464287200   23,155,443 74,770 SH   SOLE   74,769 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   30,657,481 319,615 SH   SOLE   319,615 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   2,412,494 60,327 SH   SOLE   60,327 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   466,906 2,257 SH   SOLE   2,257 0 0
ISHARES TR HDG MSCI EAFE 46434V803   15,412,204 558,514 SH   SOLE   558,514 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   921,936 4,803 SH   SOLE   4,803 0 0
ISHARES TR CORE MSCI EAFE 46432F842   241,312 4,222 SH   SOLE   4,221 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   3,546,564 24,770 SH   SOLE   24,769 0 0
ISHARES TR EAFE SML CP ETF 464288273   5,635,022 105,092 SH   SOLE   105,091 0 0
ISHARES TR MICRO-CAP ETF 464288869   5,449,874 62,448 SH   SOLE   62,448 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   284,366 2,525 SH   SOLE   2,525 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   2,718,400 77,183 SH   SOLE   77,183 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   409,744 16,827 SH   SOLE   16,827 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   831,289 11,218 SH   SOLE   11,218 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   326,485 10,974 SH   SOLE   10,974 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   223,337 7,553 SH   SOLE   7,552 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   208,260 9,000 SH   SOLE   9,000 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863   1,974,232 68,502 SH   SOLE   68,502 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   317,014 1,028 SH   SOLE   1,028 0 0
TEXTRON INC COM 883203101   296,190 9,000 SH   SOLE   9,000 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,660,616 18,258 SH   SOLE   18,258 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   374,777 2,621 SH   SOLE   2,620 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   9,483,746 120,766 SH   SOLE   120,765 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   9,348,750 32,984 SH   SOLE   32,984 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   253,855 2,549 SH   SOLE   2,549 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   415,974 8,915 SH   SOLE   8,915 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   949,778 9,830 SH   SOLE   9,830 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,633,799 66,493 SH   SOLE   66,493 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   571,110 9,182 SH   SOLE   9,181 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,428,194 139,938 SH   SOLE   139,937 0 0
WISDOMTREE TR JP SMALLCP DIV 97717W836   3,538,381 55,324 SH   SOLE   55,324 0 0