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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 544,379 6,170 SH   SOLE   0 0 6,170
AMAZON COM INC COM 023135106 BBG001S5PQL7 672,000 8,000 SH   SOLE   0 0 8,000
APPLE INC COM 037833100 BBG001S5N8V8 1,263,318 9,723 SH   SOLE   0 0 9,723
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 887,470 2,873 SH   SOLE   0 0 2,873
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 233,158 1,299 SH   SOLE   0 0 1,299
INVESCO EXCHANGE TRADED FD T S&P MDCP400 EQ 46137V225 BBG00KJR2CS6 1,557,054 18,600 SH   SOLE   0 0 18,600
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 4,274,708 30,263 SH   SOLE   0 0 30,263
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 444,724 9,523 SH   SOLE   0 0 9,523
ISHARES TR 3YRTB ETF 464288125 BBG001T33X85 414,269 5,953 SH   SOLE   0 0 5,953
ISHARES TR AGGRES ALLOC ETF 464289859 BBG001T3YVL0 657,207 10,999 SH   SOLE   0 0 10,999
ISHARES TR BLACKROCK ULTRA 46434V878 BBG005PCDCZ5 760,608 15,200 SH   SOLE   0 0 15,200
ISHARES TR COHEN STEER REIT 464287564 BBG001SDX760 333,043 6,073 SH   SOLE   0 0 6,073
ISHARES TR CORE 1 5 YR USD 46432F859 BBG003HC6JD6 20,667,253 445,031 SH   SOLE   0 0 445,031
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,355,864 21,996 SH   SOLE   0 0 21,996
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 1,097,617 19,779 SH   SOLE   0 0 19,779
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 700,969 2,898 SH   SOLE   0 0 2,898
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 578,775 6,116 SH   SOLE   0 0 6,116
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,152,135 5,601 SH   SOLE   0 0 5,601
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 319,970 3,299 SH   SOLE   0 0 3,299
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 361,601 6,402 SH   SOLE   0 0 6,402
ISHARES TR GLOB HLTHCRE ETF 464287325 BBG001SJX8Q3 213,049 2,510 SH   SOLE   0 0 2,510
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 478,669 6,501 SH   SOLE   0 0 6,501
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 13,140,713 263,764 SH   SOLE   0 0 263,764
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 2,299,839 46,452 SH   SOLE   0 0 46,452
ISHARES TR MORNINGSTAR GRWT 464287119 BBG001SBRHJ5 504,617 10,366 SH   SOLE   0 0 10,366
ISHARES TR MORNINGSTAR VALU 464288109 BBG001SBRHX9 495,344 7,834 SH   SOLE   0 0 7,834
ISHARES TR MRGSTR MD CP GRW 464288307 BBG001SBRK44 1,804,872 33,498 SH   SOLE   0 0 33,498
ISHARES TR MRGSTR MD CP VAL 464288406 BBG001SBRK53 1,796,472 28,952 SH   SOLE   0 0 28,952
ISHARES TR MRGSTR SM CP GR 464288604 BBG001SBRKD4 695,356 19,294 SH   SOLE   0 0 19,294
ISHARES TR MRNING SM CP ETF 464288703 BBG001SBRKG1 791,000 15,194 SH   SOLE   0 0 15,194
ISHARES TR MSCI ACWI ETF 464288257 BBG001S56QV7 403,180 4,750 SH   SOLE   0 0 4,750
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 459,555 12,125 SH   SOLE   0 0 12,125
ISHARES TR NORTH AMERN NAT 464287374 BBG001SJKDG7 816,587 20,083 SH   SOLE   0 0 20,083
ISHARES TR RESIDENTIAL MULT 464288562 BBG001ST7G73 695,360 10,175 SH   SOLE   0 0 10,175
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 499,620 8,541 SH   SOLE   0 0 8,541
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 286,513 1,975 SH   SOLE   0 0 1,975
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 378,936 3,142 SH   SOLE   0 0 3,142
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 1,237,479 11,258 SH   SOLE   0 0 11,258
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1,797,559 16,888 SH   SOLE   0 0 16,888
ISHARES TR U.S. REAL ES ETF 464287739 BBG001SFGXJ3 581,967 6,913 SH   SOLE   0 0 6,913
MCDONALDS CORP COM 580135101 BBG001S5T110 232,697 883 SH   SOLE   0 0 883
PIMCO ETF TR 1-5 US TIP IDX 72201R205 BBG001T5DWK7 578,791 11,606 SH   SOLE   0 0 11,606
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 4,569,049 193,031 SH   SOLE   0 0 193,031
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 19,141,779 594,281 SH   SOLE   0 0 594,281
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 5,142,750 163,418 SH   SOLE   0 0 163,418
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 230,195 4,676 SH   SOLE   0 0 4,676
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 16,062,825 332,977 SH   SOLE   0 0 332,977
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 3,098,737 67,880 SH   SOLE   0 0 67,880
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 10,227,285 135,389 SH   SOLE   0 0 135,389
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 4,289,769 77,210 SH   SOLE   0 0 77,210
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 4,928,368 74,650 SH   SOLE   0 0 74,650
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 32,735,481 725,038 SH   SOLE   0 0 725,038
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 6,744,268 102,793 SH   SOLE   0 0 102,793
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 7,418,495 384,577 SH   SOLE   0 0 384,577
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 5,859,064 144,633 SH   SOLE   0 0 144,633
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 301,111 1,775 SH   SOLE   0 0 1,775
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 BBG001SRXRN6 4,414,655 183,485 SH   SOLE   0 0 183,485
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 829,873 2,170 SH   SOLE   0 0 2,170
SPDR SER TR S&P 400 MDCP GRW 78464A821 BBG001SPTBN0 1,798,954 27,532 SH   SOLE   0 0 27,532
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 1,681,029 25,974 SH   SOLE   0 0 25,974
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 939,559 13,006 SH   SOLE   0 0 13,006
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 1,034,971 13,945 SH   SOLE   0 0 13,945
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 7,794,927 108,504 SH   SOLE   0 0 108,504
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 439,681 2,524 SH   SOLE   0 0 2,524
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 213,457 1,163 SH   SOLE   0 0 1,163
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 1,018,872 5,329 SH   SOLE   0 0 5,329
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 549,334 10,956 SH   SOLE   0 0 10,956
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 5,079,373 130,307 SH   SOLE   0 0 130,307
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 802,377 7,415 SH   SOLE   0 0 7,415
VISA INC COM CL A 92826C839 BBG001SRCFY3 249,312 1,200 SH   SOLE   0 0 1,200