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
Apple Inc COM 037833100 246 1,406 SH   SOLE   0 0 1,406
Exxon Mobil Corporation COM 30231G102 315 3,815 SH   SOLE   0 0 3,815
Home Depot Inc COM 437076102 270 902 SH   SOLE   0 0 902
Johnson & Johnson COM 478160104 495 2,795 SH   SOLE   0 0 2,795
Lockheed Martin Corp COM 539830109 221 500 SH   SOLE   0 0 500
Microsoft Corp COM 594918104 474 1,537 SH   SOLE   0 0 1,537
NexPoint Residential Trust, In COM 65341d102 247 2,740 SH   SOLE   0 0 2,740
Royal Gold Inc COM 780287108 339 2,400 SH   SOLE   0 0 2,400
Texas Instruments Inc COM 882508104 416 2,267 SH   SOLE   0 0 2,267
TransDigm Group Inc COM 893641100 334 513 SH   SOLE   0 0 513
IShares Core MSCI Emerging ETF COM 46434g103 2,245 40,419 SH   SOLE   0 0 40,419
Invesco DB Agriculture Fund COM 46140h106 204 9,323 SH   SOLE   0 0 9,323
Invesco QQQ Trust COM 46090e103 1,090 3,006 SH   SOLE   0 0 3,006
Invesco S&P 500 Equal Weight E COM 46137v357 1,371 8,696 SH   SOLE   0 0 8,696
Nuveen Real Estate Income Fund COM 67071B108 166 14,028 SH   SOLE   0 0 14,028
Pimco 0-5 Year High Yield Corp COM 72201r783 2,543 26,428 SH   SOLE   0 0 26,428
SPDR Energy Select ETF COM 81369Y506 299 3,905 SH   SOLE   0 0 3,905
SPDR Financial Select Sector E COM 81369Y605 259 6,765 SH   SOLE   0 0 6,765
SPDR Gold Shares COM 78463v107 233 1,292 SH   SOLE   0 0 1,292
SPDR S&P 500 ETF Trust COM 78462F103 128,879 285,357 SH   SOLE   0 0 285,357
SPDR S&P Dividend ETF COM 78464a763 233 1,820 SH   SOLE   0 0 1,820
SPDR S&P International Small C COM 78463x871 223 6,329 SH   SOLE   0 0 6,329
SPDR S&P MidCap 400 ETF Trust COM 78467y107 2,860 5,831 SH   SOLE   0 0 5,831
SPDR S&P Oil & Gas Exploration COM 78464a730 448 3,333 SH   SOLE   0 0 3,333
Schwab Emerging Markets COM 808524706 23,242 836,957 SH   SOLE   0 0 836,957
Schwab Fundamental Large Cap I COM 808524771 224 3,826 SH   SOLE   0 0 3,826
Schwab Intermediate Term US Tr COM 808524854 416 7,804 SH   SOLE   0 0 7,804
Schwab International Equity ET COM 808524805 47,527 1,294,319 SH   SOLE   0 0 1,294,319
Schwab US Aggregate Bond ETF COM 808524839 9,929 196,347 SH   SOLE   0 0 196,347
Schwab US Broad Market ETF COM 808524102 7,415 138,881 SH   SOLE   0 0 138,881
Schwab US Large Cap ETF COM 808524201 88,995 1,652,653 SH   SOLE   0 0 1,652,653
Schwab US Large Cap Growth ETF COM 808524300 1,806 24,142 SH   SOLE   0 0 24,142
Schwab US Mid Cap ETF COM 808524508 78,612 1,036,272 SH   SOLE   0 0 1,036,272
Schwab US REIT ETF COM 808524847 4,831 194,098 SH   SOLE   0 0 194,098
Schwab US Small Cap ETF COM 808524607 340 7,187 SH   SOLE   0 0 7,187
Schwab US Tips ETF COM 808524870 5,098 83,972 SH   SOLE   0 0 83,972
Sector SPDR Technology Select COM 81369Y803 1,943 12,228 SH   SOLE   0 0 12,228
Vanguard Dividend Appreciation COM 921908844 2,596 16,011 SH   SOLE   0 0 16,011
Vanguard FTSE All-World EX-US COM 922042775 15,739 273,288 SH   SOLE   0 0 273,288
Vanguard Global Ex US Real Est COM 922042676 10,897 209,758 SH   SOLE   0 0 209,758
Vanguard Growth Vipers COM 922908736 25,433 88,433 SH   SOLE   0 0 88,433
Vanguard Large Cap COM 922908637 42,067 201,769 SH   SOLE   0 0 201,769
Vanguard MSCI EAFE ETF COM 921943858 223,791 4,659,397 SH   SOLE   0 0 4,659,397
Vanguard MSCI Emerging Markets COM 922042858 83,803 1,816,680 SH   SOLE   0 0 1,816,680
Vanguard Mid Cap Growth Index COM 922908538 7,910 35,501 SH   SOLE   0 0 35,501
Vanguard Mid Cap Value COM 922908512 10,717 71,604 SH   SOLE   0 0 71,604
Vanguard Mid Cap Vipers COM 922908629 349,776 1,470,636 SH   SOLE   0 0 1,470,636
Vanguard REIT Vipers COM 922908553 24,905 229,815 SH   SOLE   0 0 229,815
Vanguard Russell 1000 Growth COM 92206c680 314 4,406 SH   SOLE   0 0 4,406
Vanguard S&P 500 ETF COM 922908363 479,897 1,155,904 SH   SOLE   0 0 1,155,904
Vanguard ST Inflation Protecte COM 922020805 11,319 221,025 SH   SOLE   0 0 221,025
Vanguard Small Cap COM 922908751 3,752 17,653 SH   SOLE   0 0 17,653
Vanguard Total Bond Market ETF COM 921937835 2,430 30,555 SH   SOLE   0 0 30,555
Vanguard Total International B COM 92203j407 8,221 156,774 SH   SOLE   0 0 156,774
Vanguard Total International S COM 921909768 1,659 27,778 SH   SOLE   0 0 27,778
Vanguard Total Stock Market Vi COM 922908769 45,391 199,372 SH   SOLE   0 0 199,372
Vanguard Value COM 922908744 21,006 142,147 SH   SOLE   0 0 142,147
iShares Barclays US Treasury I COM 464287176 896 7,189 SH   SOLE   0 0 7,189
iShares Core MSCI Total Intl S COM 46432f834 758 11,390 SH   SOLE   0 0 11,390
iShares Core US Growth ETF COM 464287671 2,642 25,000 SH   SOLE   0 0 25,000
iShares DJ Select Dividend Ind COM 464287168 1,296 10,118 SH   SOLE   0 0 10,118
iShares ESG Advanced MSCI EAFE COM 46436E759 340 5,575 SH   SOLE   0 0 5,575
iShares ESG Advanced MSCI USA COM 46436E767 343 9,603 SH   SOLE   0 0 9,603
iShares ESG Aware MSCI EAFE ET COM 46435G516 500 6,775 SH   SOLE   0 0 6,775
iShares ESG Aware MSCI ETF COM 46434G863 374 10,178 SH   SOLE   0 0 10,178
iShares ESG Aware MSCI USA ETF COM 46435G425 831 8,199 SH   SOLE   0 0 8,199
iShares Lehman Aggregate Bond COM 464287226 1,196 11,163 SH   SOLE   0 0 11,163
iShares MSCI ACWI Index Fund COM 464288257 982 9,843 SH   SOLE   0 0 9,843
iShares MSCI EAFE Index Fund COM 464287465 3,484 47,334 SH   SOLE   0 0 47,334
iShares MSCI EAFE Minimum Vola COM 46429b689 422 5,846 SH   SOLE   0 0 5,846
iShares MSCI Emerging Markets COM 464287234 1,236 27,377 SH   SOLE   0 0 27,377
iShares MSCI Emerging Markets COM 464286533 845 13,848 SH   SOLE   0 0 13,848
iShares MSCI Minimum Volatilit COM 46429b697 2,072 26,715 SH   SOLE   0 0 26,715
iShares Russell 1000 Growth COM 464287614 10,688 38,496 SH   SOLE   0 0 38,496
iShares Russell 1000 Index Fun COM 464287622 11,324 45,285 SH   SOLE   0 0 45,285
iShares Russell 1000 Value Ind COM 464287598 3,847 23,179 SH   SOLE   0 0 23,179
iShares Russell 2000 Index COM 464287655 8,085 39,388 SH   SOLE   0 0 39,388
iShares Russell 3000 Index COM 464287689 3,189 12,154 SH   SOLE   0 0 12,154
iShares Russell Midcap COM 464287499 91,292 1,169,805 SH   SOLE   0 0 1,169,805
iShares Russell Midcap Growth COM 464287481 16,569 164,863 SH   SOLE   0 0 164,863
iShares Russell Midcap Value COM 464287473 17,090 142,847 SH   SOLE   0 0 142,847
iShares S&P Mid Cap 400 Index COM 464287507 3,934 14,662 SH   SOLE   0 0 14,662
iShares Tr S&P 500/Barra Growt COM 464287309 789 10,329 SH   SOLE   0 0 10,329
iShares Trust S&P 500 Index COM 464287200 18,253 40,232 SH   SOLE   0 0 40,232
iShares Trust S&P 500/Barra Va COM 464287408 301 1,930 SH   SOLE   0 0 1,930
iShares Trust S&P SmallCap 600 COM 464287804 1,474 13,660 SH   SOLE   0 0 13,660