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 1,010,054 6,090 SH   SOLE   0 0 6,090
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 299,103 1,789 SH   SOLE   0 0 1,789
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,471,075 7,895 SH   SOLE   0 0 7,895
APPLE INC COM 037833100 BBG001S5N8V8 2,106,532 9,127 SH   SOLE   0 0 9,127
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,311,741 2,850 SH   SOLE   0 0 2,850
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 806,897 910 SH   SOLE   0 0 910
ELI LILLY & CO COM 532457108 BBG001S5STL8 289,702 327 SH   SOLE   0 0 327
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,233,391 10,522 SH   SOLE   0 0 10,522
INTUITIVE SURGICAL INC COM NEW 46120E602 BBG001S7XR78 215,176 438 SH   SOLE   0 0 438
INVESCO EXCHANGE TRADED FD T S&P MIDCAP 400 46137V225 BBG00KJR2CS6 232,170 1,983 SH   SOLE   0 0 1,983
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 8,803,281 49,136 SH   SOLE   0 0 49,136
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 551,193 9,601 SH   SOLE   0 0 9,601
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 560,075 12,899 SH   SOLE   0 0 12,899
ISHARES TR AGGRES ALLOC ETF 464289859 BBG001T3YVL0 687,232 8,709 SH   SOLE   0 0 8,709
ISHARES TR BLACKROCK ULTRA 46434V878 BBG005PCDCZ5 771,248 15,200 SH   SOLE   0 0 15,200
ISHARES TR COHEN STEER REIT 464287564 BBG001SDX760 292,772 4,442 SH   SOLE   0 0 4,442
ISHARES TR CORE 1 5 YR USD 46432F859 BBG003HC6JD6 24,549,192 504,297 SH   SOLE   0 0 504,297
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,507,106 19,309 SH   SOLE   0 0 19,309
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 1,109,711 15,886 SH   SOLE   0 0 15,886
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 764,381 12,265 SH   SOLE   0 0 12,265
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 555,296 4,748 SH   SOLE   0 0 4,748
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,625,947 4,552 SH   SOLE   0 0 4,552
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 284,164 2,806 SH   SOLE   0 0 2,806
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 423,415 6,254 SH   SOLE   0 0 6,254
ISHARES TR GLOB HLTHCRE ETF 464287325 BBG001SJX8Q3 246,382 2,510 SH   SOLE   0 0 2,510
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 20,373,828 386,894 SH   SOLE   0 0 386,894
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 2,455,326 45,706 SH   SOLE   0 0 45,706
ISHARES TR MORNINGSTAR GRWT 464287119 BBG001SBRHJ5 500,374 5,954 SH   SOLE   0 0 5,954
ISHARES TR MORNINGSTAR VALU 464288109 BBG001SBRHX9 383,381 4,664 SH   SOLE   0 0 4,664
ISHARES TR MRGSTR MD CP GRW 464288307 BBG001SBRK44 1,976,319 27,084 SH   SOLE   0 0 27,084
ISHARES TR MRGSTR MD CP VAL 464288406 BBG001SBRK53 1,602,159 20,905 SH   SOLE   0 0 20,905
ISHARES TR MRGSTR SM CP GR 464288604 BBG001SBRKD4 711,536 14,533 SH   SOLE   0 0 14,533
ISHARES TR MRNING SM CP ETF 464288703 BBG001SBRKG1 660,450 10,404 SH   SOLE   0 0 10,404
ISHARES TR MSCI ACWI ETF 464288257 BBG001S56QV7 567,863 4,750 SH   SOLE   0 0 4,750
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 384,191 8,377 SH   SOLE   0 0 8,377
ISHARES TR NORTH AMERN NAT 464287374 BBG001SJKDG7 1,634,878 37,097 SH   SOLE   0 0 37,097
ISHARES TR RESIDENTIAL MULT 464288562 BBG001ST7G73 568,803 6,404 SH   SOLE   0 0 6,404
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 207,482 2,354 SH   SOLE   0 0 2,354
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 539,495 5,634 SH   SOLE   0 0 5,634
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 306,599 1,555 SH   SOLE   0 0 1,555
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 294,330 2,179 SH   SOLE   0 0 2,179
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 974,761 8,811 SH   SOLE   0 0 8,811
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1,865,617 16,888 SH   SOLE   0 0 16,888
ISHARES TR U.S. REAL ES ETF 464287739 BBG001SFGXJ3 647,236 6,354 SH   SOLE   0 0 6,354
LISTED FD TR WAHED DOW JONES 53656F268 BBG014FFM577 201,636 7,898 SH   SOLE   0 0 7,898
MCDONALDS CORP COM 580135101 BBG001S5T110 275,582 905 SH   SOLE   0 0 905
MICROSOFT CORP COM 594918104 BBG001S5TD05 599,844 1,394 SH   SOLE   0 0 1,394
PIMCO ETF TR 1-5 US TIP IDX 72201R205 BBG001T5DWK7 532,845 10,087 SH   SOLE   0 0 10,087
S&P GLOBAL INC COM 78409V104 BBG001S5T5M8 307,389 595 SH   SOLE   0 0 595
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 6,413,116 219,778 SH   SOLE   0 0 219,778
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 25,877,129 629,308 SH   SOLE   0 0 629,308
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 6,879,591 178,552 SH   SOLE   0 0 178,552
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 17,793,420 363,279 SH   SOLE   0 0 363,279
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 392,610 8,262 SH   SOLE   0 0 8,262
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 11,820,929 139,843 SH   SOLE   0 0 139,843
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 7,494,986 71,943 SH   SOLE   0 0 71,943
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 7,022,057 87,372 SH   SOLE   0 0 87,372
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 41,310,835 608,855 SH   SOLE   0 0 608,855
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 11,556,846 139,088 SH   SOLE   0 0 139,088
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 10,186,117 439,625 SH   SOLE   0 0 439,625
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 8,559,276 166,200 SH   SOLE   0 0 166,200
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 431,432 1,775 SH   SOLE   0 0 1,775
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 BBG001SRXRN6 5,867,987 192,772 SH   SOLE   0 0 192,772
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,215,224 2,118 SH   SOLE   0 0 2,118
SPDR SER TR S&P 400 MDCP GRW 78464A821 BBG001SPTBN0 2,533,773 28,878 SH   SOLE   0 0 28,878
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 2,306,714 29,030 SH   SOLE   0 0 29,030
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 1,362,020 14,628 SH   SOLE   0 0 14,628
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 1,405,150 16,185 SH   SOLE   0 0 16,185
UNION PAC CORP COM 907818108 BBG001S5X2M0 1,278,738 5,188 SH   SOLE   0 0 5,188
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 967,007 12,339 SH   SOLE   0 0 12,339
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 4,232,263 53,784 SH   SOLE   0 0 53,784
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 17,082,042 227,427 SH   SOLE   0 0 227,427
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 415,363 8,261 SH   SOLE   0 0 8,261
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 525,987 1,998 SH   SOLE   0 0 1,998
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 228,438 866 SH   SOLE   0 0 866
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 266,150 1,122 SH   SOLE   0 0 1,122
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 1,468,797 5,187 SH   SOLE   0 0 5,187
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 514,899 8,173 SH   SOLE   0 0 8,173
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 7,540,938 157,595 SH   SOLE   0 0 157,595
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 907,784 7,081 SH   SOLE   0 0 7,081
VISA INC COM CL A 92826C839 BBG001SRCFY3 329,940 1,200 SH   SOLE   0 0 1,200