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 EMERGING MARKETS EQ ETF COM 025072604 897 19,540 SH   SOLE   19,540 0 0
AVANTIS INTL EQUITY ETF COM 025072703 4,999 109,577 SH   SOLE   109,577 0 0
AVANTIS SMALL CAP VALUE ETF COM 025072877 20,292 306,798 SH   SOLE   306,798 0 0
BARCLAYS ETN SHILLER CAP COM 06742A669 575 31,442 SH   SOLE   31,442 0 0
COMMUNICAT SVS SLCT SEC COM 81369Y852 446 9,315 SH   SOLE   9,315 0 0
DFA EMERGING MKTS CORE EQUITY 2 COM 25434V732 6,791 332,227 SH   SOLE   332,227 0 0
DFA INTL CORE EQUITY 2 COM 25434V799 22,154 1,156,273 SH   SOLE   1,156,273 0 0
DFA T A US CORE EQUITY E PORTFOLIO COM 25434V708 187 8,416 SH   SOLE   8,416 0 0
DFA TAX MANAGED US MARKETWIDE VALUE COM 25434v724 3,906 131,912 SH   SOLE   131,912 0 0
DFA TAX MANAGED US TARGET VALUE COM 25434V609 3,128 80,256 SH   SOLE   80,256 0 0
DIMENSIONAL US SMALL CAP VALUE ETF COM 25434V815 1,627 74,672 SH   SOLE   74,672 0 0
DOUBLELINE ETF TRUST DL SHILLER CAPE COM 25861R204 492 24,624 SH   SOLE   24,624 0 0
INVESCO S&P 500 QUALITY COM 46137V241 33,129 833,650 SH   SOLE   833,650 0 0
ISHARE CORE S&P MID-CAP ETF COM 464287507 1,508 6,877 SH   SOLE   6,877 0 0
ISHARES CORE 1-5 YEAR USD BOND ETF COM 46432F859 298 6,473 SH   SOLE   6,473 0 0
ISHARES CORE MSCI EAFE - ETF COM 46432F842 831 15,782 SH   SOLE   15,782 0 0
ISHARES CORE MSCI EMG MKTS - ETF COM 46434G103 7,667 178,391 SH   SOLE   178,391 0 0
ISHARES CORE S&P 500 COM 464287200 7,696 21,459 SH   SOLE   21,459 0 0
ISHARES CORE S&P TOTAL US STOCK MKT COM 464287150 66,909 841,198 SH   SOLE   841,198 0 0
ISHARES IBONDS 12-2024 TERM CORP COM 46434VBG4 75 3,079 SH   SOLE   3,079 0 0
ISHARES MSCI EAFE INDEX COM 464287465 264 4,705 SH   SOLE   4,705 0 0
ISHARES MSCI EMERGING MKTS COM 464287234 44 1,254 SH   SOLE   1,254 0 0
ISHARES MSCI GROWTH COM 464288885 592 8,159 SH   SOLE   8,159 0 0
ISHARES MSCI INTL QUALITY COM 46434V456 1,396 50,270 SH   SOLE   50,270 0 0
ISHARES RUSSELL 1000 GROWTH COM 464287614 773 3,675 SH   SOLE   3,675 0 0
ISHARES RUSSELL 1000 VALUE COM 464287598 193 1,421 SH   SOLE   1,421 0 0
ISHARES RUSSELL 2000 COM 464287655 536 3,248 SH   SOLE   3,248 0 0
ISHARES RUSSELL 2000 VALUE COM 464287630 111 861 SH   SOLE   861 0 0
ISHARES RUSSELL 3000 COM 464287689 90,486 437,044 SH   SOLE   437,044 0 0
ISHARES RUSSELL MID CAP GROWTH COM 464287481 106 1,346 SH   SOLE   1,346 0 0
ISHARES RUSSELL MID CAP VALUE COM 464287473 896 9,326 SH   SOLE   9,326 0 0
ISHARES S&P MID CAP 400 VALUE COM 464287705 51,066 567,404 SH   SOLE   567,404 0 0
ISHARES S&P 500 GROWTH COM 464287309 1,406 24,299 SH   SOLE   24,299 0 0
ISHARES S&P 500 VALUE COM 464287408 925 7,198 SH   SOLE   7,198 0 0
ISHARES S&P SMALL CAP 600 GROWTH COM 464287887 1,019 10,027 SH   SOLE   10,027 0 0
ISHARES S&P SMALLCAP 600 INDEX COM 464287804 109 1,252 SH   SOLE   1,252 0 0
ISHARES S&P SMALL CAP 600 VALUE COM 464287879 5,810 70,468 SH   SOLE   70,468 0 0
ISHARES SH TERM CORP BOND COM 464288646 30,905 627,130 SH   SOLE   627,130 0 0
ISHARES SHRT NAT MUNI COM 464288158 1,296 12,622 SH   SOLE   12,622 0 0
ISHARES TR BARCLAYS AGG BOND COM 464287226 6,780 70,375 SH   SOLE   70,375 0 0
ISHARES TRUST CORE MSCI INTL COM 46435G326 4,348 89,993 SH   SOLE   89,993 0 0
J HANCOCK MLTFACTOR DEV INTL COM 47804J859 26,232 1,089,388 SH   SOLE   1,089,388 0 0
JOHN HANCOCK MLTFCTR COM 47804J834 1,105 50,787 SH   SOLE   50,787 0 0
J HANCOCK MLTFACTOR SM CAP COM 47804J842 1,254 44,652 SH   SOLE   44,652 0 0
JP MORGAN ULTRA-SHORT INCOME ETF COM 46641Q837 21,443 427,492 SH   SOLE   427,492 0 0
NASDAQ 100 ETF COM 46090E103 30,684 114,810 SH   SOLE   114,810 0 0
PIMCO INVESTMENT GRADE CORP COM 72201R817 1,679 18,403 SH   SOLE   18,403 0 0
RUSSELL 1000 INDEX COM 464287622 2,312 11,718 SH   SOLE   11,718 0 0
RUSSELL MID-CAP COM 464287499 1,812 29,160 SH   SOLE   29,160 0 0
SPDR TRUST UNIT SR COM 78462F103 1,633 4,572 SH   SOLE   4,572 0 0
S&P MID CAP 400 ETF COM 78467Y107 3,492 8,694 SH   SOLE   8,694 0 0
SCHWAB EMERGING MKTS EQUITY COM 808524706 761 33,954 SH   SOLE   33,954 0 0
SCHWAB INTERNATIONAL EQUITY COM 808524805 2,810 99,878 SH   SOLE   99,878 0 0
SCHWAB SHORT-TERM US BOND COM 808524862 14,904 308,829 SH   SOLE   308,829 0 0
SCHWAB US AGGREGATE BOND COM 808524839 2,040 45,029 SH   SOLE   45,029 0 0
SCHWAB US BROAD MARKET COM 808524102 165,908 3,951,121 SH   SOLE   3,951,121 0 0
SCHWAB US LARGE CAP VALUE COM 808524409 55 948 SH   SOLE   948 0 0
SCHWAB US LARGE CAP ETF COM 808524201 749 17,697 SH   SOLE   17,697 0 0
SCHWAB US LARGE CAP GROWTH COM 808524300 319 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 582 15,394 SH   SOLE   15,394 0 0
SPDR DOW JONES INDUSTRIALS ETF COM 78467X109 199 693 SH   SOLE   693 0 0
SPDR NUVEEN BARCLAYS ST MUNI COM 78468R739 2,159 46,833 SH   SOLE   46,833 0 0
SPDR PORTFOLIO WORLD EX-US COM 78463X889 14 542 SH   SOLE   542 0 0
SPDR S&P 600 SMALL CAP VALUE COM 78464A300 23,033 343,056 SH   SOLE   343,056 0 0
SPDR SER TR LEHMAN MUNI BD ETF COM 78468R721 656 14,920 SH   SOLE   14,920 0 0
SPDR PORTFOLIO TOTAL STOCK MKT COM 78464A805 8,630 195,644 SH   SOLE   195,644 0 0
VANGUARD COMMUNICATIONS ETF COM 92204A884 25,290 307,032 SH   SOLE   307,032 0 0
VANGUARD DIVIDEND APPRECIATION COM 921908844 33,589 248,513 SH   SOLE   248,513 0 0
VANGUARD FTSE DEVELOPED MKTS COM 921943858 109 2,984 SH   SOLE   2,984 0 0
VANGUARD FTSE EMERGING MKTS COM 922042858 46 1,255 SH   SOLE   1,255 0 0
VANGUARD MID-CAP ETF COM 922908629 19 100 SH   SOLE   100 0 0
VANGUARD MID-CAP VALUE ETF COM 922908512 12,960 106,434 SH   SOLE   106,434 0 0
VANGUARD RUSSELL 3000 INDEX FD ETF COM 92206C599 28,660 177,902 SH   SOLE   177,902 0 0
VANGUARD S&P 600 SMALL CAP VALUE COM 921932778 2,038 14,271 SH   SOLE   14,271 0 0
VANGUARD SHORT TERM BD INDEX COM 921937827 1,292 17,270 SH   SOLE   17,270 0 0
VANGUARD SHORT TERM CORP BD COM 92206C409 16 219 SH   SOLE   219 0 0
VANGUARD SMALL CAP VALUE COM 922908611 194 1,353 SH   SOLE   1,353 0 0
VANGUARD TOTAL BOND MARKET COM 921937835 4 57 SH   SOLE   57 0 0
VANGUARD TOTAL INTERNATIONAL COM 921909768 25 557 SH   SOLE   557 0 0
VANGUARD TOTAL STOCK MARKET COM 922908769 43,315 241,347 SH   SOLE   241,347 0 0
VANGUARD VALUE ETF COM 922908744 45 364 SH   SOLE   364 0 0