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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,936,334 52,390 SH   SOLE   52,390 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   14,670,195 314,676 SH   SOLE   314,676 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,751,452 21,112 SH   SOLE   21,112 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,454,792 132,720 SH   SOLE   132,720 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   4,041,625 18,407 SH   SOLE   18,407 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   4,273,735 29,472 SH   SOLE   29,472 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   4,088,421 16,910 SH   SOLE   16,910 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,579,679 25,447 SH   SOLE   25,447 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   9,478,376 192,006 SH   SOLE   192,006 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   14,632,153 97,874 SH   SOLE   97,874 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   20,714,930 432,462 SH   SOLE   432,462 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   15,012,395 48,290 SH   SOLE   48,290 0 0
ISHARES TR CORE INTL AGGR 46435G672   321,359 6,453 SH   SOLE   6,453 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,504,980 20,462 SH   SOLE   20,462 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   5,610,586 96,801 SH   SOLE   96,801 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,262,963 22,186 SH   SOLE   22,186 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   301,431 4,002 SH   SOLE   4,002 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   219,703 616 SH   SOLE   616 0 0
ISHARES TR CORE S&P500 ETF 464287200   624,262 1,307 SH   SOLE   1,307 0 0
EXXON MOBIL CORP COM 30231G102   265,047 2,651 SH   SOLE   2,651 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   311,735 4,447 SH   SOLE   4,447 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   265,541 3,488 SH   SOLE   3,488 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   454,574 18,337 SH   SOLE   18,337 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   200,710 1,000 SH   SOLE   1,000 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   8,037,261 157,439 SH   SOLE   157,439 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669   227,145 3,232 SH   SOLE   3,232 0 0
ISHARES TR NATIONAL MUN ETF 464288414   354,175 3,267 SH   SOLE   3,267 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,029,201 6,040 SH   SOLE   6,040 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,079,834 19,146 SH   SOLE   19,146 0 0