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 Communications COM 023135106 217 70 SH   SOLE   0 0 70
AngloGold Limited COM 035128206 220 10,000 SH   SOLE   0 0 10,000
Apple Inc COM 037833100 518 4,237 SH   SOLE   0 0 4,237
Exxon Mobil Corporation COM 30231G102 362 6,478 SH   SOLE   0 0 6,478
Franco Nevada Corp COM 351858105 251 2,000 SH   SOLE   0 0 2,000
Home Depot Inc COM 437076102 266 872 SH   SOLE   0 0 872
JP Morgan Chase & Co COM 46625h100 279 1,833 SH   SOLE   0 0 1,833
Johnson & Johnson COM 478160104 459 2,795 SH   SOLE   0 0 2,795
Microsoft Corp COM 594918104 340 1,440 SH   SOLE   0 0 1,440
Newmont Mining Corp COM 651639106 310 5,140 SH   SOLE   0 0 5,140
NexPoint Residential Trust, In COM 65341d102 231 5,012 SH   SOLE   0 0 5,012
Texas Instruments Inc COM 882508104 412 2,182 SH   SOLE   0 0 2,182
TransDigm Group Inc COM 893641100 334 568 SH   SOLE   0 0 568
IShares Core MSCI Emerging ETF COM 46434g103 2,488 38,657 SH   SOLE   0 0 38,657
Invesco QQQ Trust COM 46090e103 849 2,661 SH   SOLE   0 0 2,661
Invesco S&P 500 Equal Weight E COM 46137v357 1,194 8,431 SH   SOLE   0 0 8,431
Market Vectors Gold Miners ETF COM 92189f106 488 15,000 SH   SOLE   0 0 15,000
Nuveen Real Estate Income Fund COM 67071B108 135 14,028 SH   SOLE   0 0 14,028
Pimco 0-5 Year High Yield Corp COM 72201r783 2,504 25,244 SH   SOLE   0 0 25,244
SPDR Financial Select Sector E COM 81369Y605 230 6,765 SH   SOLE   0 0 6,765
SPDR S&P 500 ETF Trust COM 78462F103 118,980 300,205 SH   SOLE   0 0 300,205
SPDR S&P International Small C COM 78463x871 237 6,329 SH   SOLE   0 0 6,329
SPDR S&P MidCap 400 ETF Trust COM 78467y107 2,867 6,021 SH   SOLE   0 0 6,021
Schwab Emerging Markets COM 808524706 22,251 700,162 SH   SOLE   0 0 700,162
Schwab Intermediate Term US Tr COM 808524854 435 7,711 SH   SOLE   0 0 7,711
Schwab International Equity ET COM 808524805 30,813 819,053 SH   SOLE   0 0 819,053
Schwab US Aggregate Bond ETF COM 808524839 4,332 80,289 SH   SOLE   0 0 80,289
Schwab US Broad Market ETF COM 808524102 6,948 71,847 SH   SOLE   0 0 71,847
Schwab US Large Cap ETF COM 808524201 72,513 755,113 SH   SOLE   0 0 755,113
Schwab US Large Cap Growth ETF COM 808524300 1,603 12,355 SH   SOLE   0 0 12,355
Schwab US Mid Cap ETF COM 808524508 64,033 860,318 SH   SOLE   0 0 860,318
Schwab US REIT ETF COM 808524847 4,022 97,877 SH   SOLE   0 0 97,877
Schwab US Tips ETF COM 808524870 5,358 87,604 SH   SOLE   0 0 87,604
Sector SPDR Technology Select COM 81369Y803 292 2,201 SH   SOLE   0 0 2,201
Sprott Physical Silver Trust COM 85207k107 97 11,021 SH   SOLE   0 0 11,021
Vanguard Dividend Appreciation COM 921908844 1,991 13,538 SH   SOLE   0 0 13,538
Vanguard FTSE All-World EX-US COM 922042775 17,478 288,027 SH   SOLE   0 0 288,027
Vanguard Global Ex US Real Est COM 922042676 12,265 219,963 SH   SOLE   0 0 219,963
Vanguard Growth Vipers COM 922908736 9,026 35,115 SH   SOLE   0 0 35,115
Vanguard Large Cap COM 922908637 36,411 196,499 SH   SOLE   0 0 196,499
Vanguard MSCI EAFE ETF COM 921943858 195,778 3,986,529 SH   SOLE   0 0 3,986,529
Vanguard MSCI Emerging Markets COM 922042858 80,909 1,554,449 SH   SOLE   0 0 1,554,449
Vanguard Mid Cap Growth Index COM 922908538 3,404 15,864 SH   SOLE   0 0 15,864
Vanguard Mid Cap Value COM 922908512 5,241 38,860 SH   SOLE   0 0 38,860
Vanguard Mid Cap Vipers COM 922908629 283,243 1,279,673 SH   SOLE   0 0 1,279,673
Vanguard REIT Vipers COM 922908553 17,386 189,269 SH   SOLE   0 0 189,269
Vanguard Russell 1000 Growth COM 92206c680 275 1,102 SH   SOLE   0 0 1,102
Vanguard S&P 500 ETF COM 922908363 359,101 985,728 SH   SOLE   0 0 985,728
Vanguard ST Inflation Protecte COM 922020805 10,180 197,510 SH   SOLE   0 0 197,510
Vanguard Small Cap COM 922908751 3,651 17,055 SH   SOLE   0 0 17,055
Vanguard Total Bond Market ETF COM 921937835 2,648 31,253 SH   SOLE   0 0 31,253
Vanguard Total International B COM 92203j407 4,553 79,707 SH   SOLE   0 0 79,707
Vanguard Total Stock Market Vi COM 922908769 35,257 170,578 SH   SOLE   0 0 170,578
Vanguard Value COM 922908744 4,199 31,944 SH   SOLE   0 0 31,944
iShares Barclays US Treasury I COM 464287176 506 4,028 SH   SOLE   0 0 4,028
iShares Core MSCI Total Intl S COM 46432f834 800 11,390 SH   SOLE   0 0 11,390
iShares Core US Growth ETF COM 464287671 2,270 25,000 SH   SOLE   0 0 25,000
iShares ESG Advanced MSCI EAFE COM 46436E759 319 4,908 SH   SOLE   0 0 4,908
iShares ESG Aware MSCI ETF COM 46434G863 290 6,690 SH   SOLE   0 0 6,690
iShares Lehman 3-7 Year Treasu COM 464288661 275 2,115 SH   SOLE   0 0 2,115
iShares Lehman Aggregate Bond COM 464287226 968 8,502 SH   SOLE   0 0 8,502
iShares MSCI ACWI Index Fund COM 464288257 937 9,843 SH   SOLE   0 0 9,843
iShares MSCI EAFE Index Fund COM 464287465 3,151 41,537 SH   SOLE   0 0 41,537
iShares MSCI EAFE Minimum Vola COM 46429b689 427 5,846 SH   SOLE   0 0 5,846
iShares MSCI Emerging Markets COM 464287234 1,540 28,872 SH   SOLE   0 0 28,872
iShares MSCI Emerging Markets COM 464286533 882 13,958 SH   SOLE   0 0 13,958
iShares MSCI Minimum Volatilit COM 46429b697 1,837 26,557 SH   SOLE   0 0 26,557
iShares Russell 1000 Growth COM 464287614 10,524 43,303 SH   SOLE   0 0 43,303
iShares Russell 1000 Index Fun COM 464287622 10,061 44,948 SH   SOLE   0 0 44,948
iShares Russell 1000 Value Ind COM 464287598 3,529 23,287 SH   SOLE   0 0 23,287
iShares Russell 2000 Growth COM 464287648 297 986 SH   SOLE   0 0 986
iShares Russell 2000 Index COM 464287655 8,868 40,139 SH   SOLE   0 0 40,139
iShares Russell 2000 Value COM 464287630 273 1,711 SH   SOLE   0 0 1,711
iShares Russell 3000 Index COM 464287689 3,182 13,415 SH   SOLE   0 0 13,415
iShares Russell Midcap COM 464287499 92,273 1,248,112 SH   SOLE   0 0 1,248,112
iShares Russell Midcap Growth COM 464287481 15,666 153,502 SH   SOLE   0 0 153,502
iShares Russell Midcap Value COM 464287473 11,216 102,619 SH   SOLE   0 0 102,619
iShares S&P Mid Cap 400 Index COM 464287507 584 2,242 SH   SOLE   0 0 2,242
iShares Tr S&P 500/Barra Growt COM 464287309 796 12,225 SH   SOLE   0 0 12,225
iShares Trust S&P 500 Index COM 464287200 15,027 37,774 SH   SOLE   0 0 37,774
iShares Trust S&P 500/Barra Va COM 464287408 311 2,205 SH   SOLE   0 0 2,205
iShares Trust S&P SmallCap 600 COM 464287804 1,335 12,305 SH   SOLE   0 0 12,305