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
AVANTIS SMALL-CAP VALUE ETF COM 025072877 18,171 265,808 SH   SOLE   161,572 0 0
BARCLAYS ETN SHILLER COM 06742A669 915 48,968 SH   SOLE   72,930 0 0
DFA EMERGING MKTS CORE EQUITY 2 COM 25434V732 2,156 91,641 SH   SOLE   91,641 0 0
DFA INTL CORE EQUITY 2 COM 25434V799 6,655 309,260 SH   SOLE   309,260 0 0
DFA T A US CORE EQUITY E PORTFOLIO COM 25434V708 195 8,389 SH   SOLE   8,389 0 0
DFA TAX MANAGED US TARGET VALUE COM 25434V609 4,150 131,317 SH   SOLE   131,317 0 0
DFA TAX-MANAGED US TARGETED VALUE COM 25434V609 3,217 79,983 SH   SOLE   79,983 0 0
INVESCO BULLETTSHARES 2023 CORP BD COM 46138J866 715 34,122 SH   SOLE   34,122 0 0
INVESCO S&P 500 QUALITY COM 46137V241 34,246 815,379 SH   SOLE   815,379 0 0
ISHARE CORE S&P MID-CAP ETF COM 464287507 1,555 6,874 SH   SOLE   6,874 0 0
ISHARES CORE 1-5 YEAR USD BOND ETF COM 46432F859 16,052 338,647 SH   SOLE   338,647 0 0
ISHARES CORE MSCI EAFE - ETF COM 46432F842 973 16,527 SH   SOLE   16,527 0 0
ISHARES CORE MSCI EMG MKTS - ETF COM 46434G103 8,752 178,401 SH   SOLE   178,401 0 0
ISHARES CORE S&P 500 COM 464287200 8,127 21,434 SH   SOLE   21,434 0 0
ISHARES CORE S&P TOTAL US STOCK MKT COM 464287150 64,900 774,646 SH   SOLE   774,646 0 0
ISHARES IBONDS 12-2024 TERM CORP COM 46434VBG4 128 5,159 SH   SOLE   5,159 0 0
ISHARES MSCI EAFE INDEX COM 464287465 296 4,741 SH   SOLE   4,741 0 0
ISHARES MSCI EMERGING MKTS COM 464287234 61 1,511 SH   SOLE   1,511 0 0
ISHARES MSCI GROWTH COM 464288885 657 8,159 SH   SOLE   8,159 0 0
ISHARES MSCI INTL QUALITY COM 46434V456 907 29,329 SH   SOLE   29,329 0 0
ISHARES RUSSELL 1000 GROWTH COM 464287614 802 3,666 SH   SOLE   3,666 0 0
ISHARES RUSSELL 1000 VALUE COM 464287598 206 1,421 SH   SOLE   1,421 0 0
ISHARES RUSSELL 2000 COM 464287655 550 3,248 SH   SOLE   3,248 0 0
ISHARES RUSSELL 2000 VALUE COM 464287630 117 861 SH   SOLE   861 0 0
ISHARES RUSSELL 3000 COM 464287689 95,160 437,739 SH   SOLE   437,739 0 0
ISHARES RUSSELL MID CAP GROWTH COM 464287481 107 1,346 SH   SOLE   1,346 0 0
ISHARES RUSSELL MID CAP VALUE COM 464287473 947 9,326 SH   SOLE   9,326 0 0
ISHARES S&P MID CAP 400 VALUE COM 464287705 52,203 552,941 SH   SOLE   552,941 0 0
ISHARES S&P 500 GROWTH COM 464287309 1,471 24,376 SH   SOLE   24,376 0 0
ISHARES S&P 500 VALUE COM 464287408 987 7,180 SH   SOLE   7,180 0 0
ISHARES S&P SMALL CAP 600 GROWTH COM 464287887 1,056 10,023 SH   SOLE   10,023 0 0
ISHARES S&P SMALLCAP 600 INDEX COM 464287804 116 1,252 SH   SOLE   1,252 0 0
ISHARES S&P SMALL CAP 600 VALUE COM 464287879 6,850 76,938 SH   SOLE   76,938 0 0
ISHARES SH TERM CORP BOND COM 464288646 32,897 650,776 SH   SOLE   650,776 0 0
ISHARES SHRT NAT MUNI COM 464288158 1,105 10,557 SH   SOLE   10,557 0 0
ISHARES TR BARCLAYS AGG BOND COM 464287226 7,954 78,225 SH   SOLE   78,225 0 0
ISHARES TRUST CORE MSCI INTL COM 46435G326 7,210 134,168 SH   SOLE   134,168 0 0
J HANCOCK MLTFACTOR DEV INTL COM 47804J859 35,180 1,302,008 SH   SOLE   1,302,008 0 0
JOHN HANCOCK MLTFCTR COM 47804J834 1,301 53,265 SH   SOLE   53,265 0 0
J HANCOCK MLTFACTOR SM CAP COM 47804J842 1,301 44,508 SH   SOLE   44,508 0 0
JP MORGAN ULTRA-SHORT INCOME ETF COM 46641Q837 21,721 433,633 SH   SOLE   433,633 0 0
NASDAQ 100 ETF COM 46090E103 31,635 112,869 SH   SOLE   112,869 0 0
PIMCO INVESTMENT GRADE CORP COM 72201R817 1,467 15,224 SH   SOLE   15,224 0 0
RUSSELL 1000 INDEX COM 464287622 2,427 11,680 SH   SOLE   11,680 0 0
RUSSELL MID-CAP COM 464287499 1,883 29,126 SH   SOLE   29,126 0 0
SPDR TRUST UNIT SR COM 78462F103 1,721 4,563 SH   SOLE   4,563 0 0
S&P MID CAP 400 ETF COM 78467Y107 3,586 8,672 SH   SOLE   8,672 0 0
SCHWAB EMERGING MKTS EQUITY COM 808524706 1,858 73,218 SH   SOLE   73,218 0 0
SCHWAB INTERNATIONAL EQUITY COM 808524805 4,672 148,558 SH   SOLE   14,558 0 0
SCHWAB SHORT-TERM US BOND COM 808524862 6,220 126,444 SH   SOLE   126,444 0 0
SCHWAB US AGGREGATE BOND COM 808524839 2,201 45,978 SH   SOLE   45,978 0 0
SCHWAB US BROAD MARKET COM 808524102 175,765 3,977,492 SH   SOLE   3,977,492 0 0
SCHWAB US LARGE CAP VALUE COM 808524409 59 942 SH   SOLE   942 0 0
SCHWAB US LARGE CAP ETF COM 808524201 823 18,419 SH   SOLE   18,419 0 0
SCHWAB US LARGE CAP GROWTH COM 808524300 331 5,713 SH   SOLE   5,713 0 0
SCHWAB US MID CAP COM 808524508 2 27 SH   SOLE   27 0 0
SCHWAB US SMALL CAP COM 808524607 620 15,891 SH   SOLE   15,891 0 0
SPDR DOW JONES INDUSTRIALS ETF COM 78467X109 213 693 SH   SOLE   693 0 0
SPDR EURO STOXX 50 FUND COM 78463X202 256 7,359 SH   SOLE   7,359 0 0
SPDR NUVEEN BARCLAYS ST MUNI COM 78468R739 2,520 53,317 SH   SOLE   53,317 0 0
SPDR PORTFOLIO EMERGING MKTS COM 78463X509 101 2,899 SH   SOLE   2,899 0 0
SPDR PORTFOLIO WORLD EX-US COM 78463X889 215 7,463 SH   SOLE   7,463 0 0
SPDR S&P 600 SMALL CAP VALUE COM 78464A300 25,115 346,841 SH   SOLE   346,841 0 0
SPDR SER TR LEHMAN MUNI BD ETF COM 78468R721 1,164 25,372 SH   SOLE   25,372 0 0
SPDR PORTFOLIO TOTAL STOCK MKT COM 78464A805 9,211 198,161 SH   SOLE   198,161 0 0
VANGUARD COMMUNICATIONS ETF COM 92204A884 28,353 301,533 SH   SOLE   301,533 0 0
VANGUARD DIVIDEND APPRECIATION COM 921908844 35,044 244,260 SH   SOLE   244,260 0 0
VANGUARD FTSE DEVELOPED MKTS COM 921943858 166 4,058 SH   SOLE   4,058 0 0
VANGUARD FTSE EMERGING MKTS COM 922042858 53 1,273 SH   SOLE   1,273 0 0
VANGUARD MID-CAP ETF COM 922908629 20 100 SH   SOLE   100 0 0
VANGUARD MID-CAP VALUE ETF COM 922908512 14,146 109,222 SH   SOLE   109,222 0 0
VANGUARD RUSSELL 3000 INDEX FD ETF COM 92206C599 32,456 192,047 SH   SOLE   192,047 0 0
VANGUARD S&P 600 SMALL CAP VALUE COM 921932778 2,233 14,508 SH   SOLE   14,508 0 0
VANGUARD SHORT TERM BD INDEX COM 921937827 1,341 17,458 SH   SOLE   17,458 0 0
VANGUARD SHORT TERM CORP BD COM 92206C409 126 1,656 SH   SOLE   1,656 0 0
VANGUARD SMALL CAP VALUE COM 922908611 217 1,450 SH   SOLE   1,450 0 0
VANGUARD TOTAL STOCK MARKET COM 922908769 44,407 235,431 SH   SOLE   235,431 0 0
VANGUARD VALUE ETF COM 922908744 1,106 8,386 SH   SOLE   8,386 0 0