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 1,152,883 6,090 SH   SOLE   0 0 6,090
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 340,697 1,789 SH   SOLE   0 0 1,789
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,732,084 7,895 SH   SOLE   0 0 7,895
APPLE INC COM 037833100 BBG001S5N8V8 2,215,520 9,129 SH   SOLE   0 0 9,129
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,291,848 2,850 SH   SOLE   0 0 2,850
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 833,979 910 SH   SOLE   0 0 910
ELI LILLY & CO COM 532457108 BBG001S5STL8 252,444 327 SH   SOLE   0 0 327
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,131,798 10,522 SH   SOLE   0 0 10,522
INTUITIVE SURGICAL INC COM NEW 46120E602 BBG001S7XR78 228,618 438 SH   SOLE   0 0 438
INVESCO EXCHANGE TRADED FD T S&P MIDCAP 400 46137V225 BBG00KJR2CS6 223,583 1,983 SH   SOLE   0 0 1,983
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 8,858,177 50,552 SH   SOLE   0 0 50,552
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 499,328 9,562 SH   SOLE   0 0 9,562
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 549,626 12,899 SH   SOLE   0 0 12,899
ISHARES TR AGGRES ALLOC ETF 464289859 BBG001T3YVL0 658,871 8,600 SH   SOLE   0 0 8,600
ISHARES TR COHEN STEER REIT 464287564 BBG001SDX760 267,554 4,440 SH   SOLE   0 0 4,440
ISHARES TR CORE 1 5 YR USD 46432F859 BBG003HC6JD6 24,776,185 518,656 SH   SOLE   0 0 518,656
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,376,257 19,582 SH   SOLE   0 0 19,582
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 1,008,162 15,852 SH   SOLE   0 0 15,852
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 766,065 12,294 SH   SOLE   0 0 12,294
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 545,998 4,739 SH   SOLE   0 0 4,739
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,666,988 4,530 SH   SOLE   0 0 4,530
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 271,805 2,805 SH   SOLE   0 0 2,805
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 382,925 6,303 SH   SOLE   0 0 6,303
ISHARES TR GLOB HLTHCRE ETF 464287325 BBG001SJX8Q3 215,785 2,510 SH   SOLE   0 0 2,510
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 20,527,802 397,056 SH   SOLE   0 0 397,056
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 2,354,213 45,704 SH   SOLE   0 0 45,704
ISHARES TR MORNINGSTAR GRWT 464287119 BBG001SBRHJ5 529,088 5,905 SH   SOLE   0 0 5,905
ISHARES TR MORNINGSTAR VALU 464288109 BBG001SBRHX9 377,529 4,662 SH   SOLE   0 0 4,662
ISHARES TR MRGSTR MD CP GRW 464288307 BBG001SBRK44 2,014,763 26,675 SH   SOLE   0 0 26,675
ISHARES TR MRGSTR MD CP VAL 464288406 BBG001SBRK53 1,549,955 20,872 SH   SOLE   0 0 20,872
ISHARES TR MRGSTR SM CP GR 464288604 BBG001SBRKD4 712,076 14,397 SH   SOLE   0 0 14,397
ISHARES TR MRNING SM CP ETF 464288703 BBG001SBRKG1 657,181 10,364 SH   SOLE   0 0 10,364
ISHARES TR MSCI ACWI ETF 464288257 BBG001S56QV7 558,125 4,750 SH   SOLE   0 0 4,750
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 350,011 8,369 SH   SOLE   0 0 8,369
ISHARES TR NORTH AMERN NAT 464287374 BBG001SJKDG7 1,614,011 37,772 SH   SOLE   0 0 37,772
ISHARES TR RESIDENTIAL MULT 464288562 BBG001ST7G73 518,447 6,399 SH   SOLE   0 0 6,399
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 208,094 2,354 SH   SOLE   0 0 2,354
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 571,351 5,627 SH   SOLE   0 0 5,627
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 296,818 1,555 SH   SOLE   0 0 1,555
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 285,699 2,176 SH   SOLE   0 0 2,176
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 971,941 8,827 SH   SOLE   0 0 8,827
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1,799,416 16,888 SH   SOLE   0 0 16,888
ISHARES TR U.S. REAL ES ETF 464287739 BBG001SFGXJ3 596,751 6,413 SH   SOLE   0 0 6,413
ISHARES TR ULTRA SHORT-TERM 46434V878 BBG005PCDCZ5 766,536 15,200 SH   SOLE   0 0 15,200
MCDONALDS CORP COM 580135101 BBG001S5T110 255,973 883 SH   SOLE   0 0 883
MICROSOFT CORP COM 594918104 BBG001S5TD05 554,552 1,316 SH   SOLE   0 0 1,316
PIMCO ETF TR 1-5 US TIP IDX 72201R205 BBG001T5DWK7 527,385 10,084 SH   SOLE   0 0 10,084
S&P GLOBAL INC COM 78409V104 BBG001S5T5M8 296,328 595 SH   SOLE   0 0 595
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 5,824,862 218,733 SH   SOLE   0 0 218,733
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 23,514,258 1,271,041 SH   SOLE   0 0 1,271,041
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 6,174,299 179,851 SH   SOLE   0 0 179,851
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 18,132,080 753,619 SH   SOLE   0 0 753,619
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 373,778 16,466 SH   SOLE   0 0 16,466
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 11,475,088 420,025 SH   SOLE   0 0 420,025
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 7,948,626 285,204 SH   SOLE   0 0 285,204
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 6,805,928 261,064 SH   SOLE   0 0 261,064
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 41,967,607 1,810,509 SH   SOLE   0 0 1,810,509
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 11,574,586 417,704 SH   SOLE   0 0 417,704
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 9,333,039 443,164 SH   SOLE   0 0 443,164
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 8,621,738 333,401 SH   SOLE   0 0 333,401
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 429,781 1,775 SH   SOLE   0 0 1,775
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 BBG001SRXRN6 5,393,967 193,055 SH   SOLE   0 0 193,055
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,217,874 2,078 SH   SOLE   0 0 2,078
SPDR SER TR S&P 400 MDCP GRW 78464A821 BBG001SPTBN0 2,502,978 28,806 SH   SOLE   0 0 28,806
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 2,313,858 28,851 SH   SOLE   0 0 28,851
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 1,314,968 14,554 SH   SOLE   0 0 14,554
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 1,400,693 16,054 SH   SOLE   0 0 16,054
UNION PAC CORP COM 907818108 BBG001S5X2M0 1,183,072 5,188 SH   SOLE   0 0 5,188
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 920,001 12,311 SH   SOLE   0 0 12,311
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 4,166,785 53,925 SH   SOLE   0 0 53,925
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 16,718,800 232,496 SH   SOLE   0 0 232,496
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 405,202 8,261 SH   SOLE   0 0 8,261
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 538,792 1,998 SH   SOLE   0 0 1,998
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 228,698 866 SH   SOLE   0 0 866
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 269,594 1,122 SH   SOLE   0 0 1,122
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 1,503,041 5,186 SH   SOLE   0 0 5,186
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 469,097 8,171 SH   SOLE   0 0 8,171
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 6,922,385 157,184 SH   SOLE   0 0 157,184
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 903,465 7,081 SH   SOLE   0 0 7,081
VISA INC COM CL A 92826C839 BBG001SRCFY3 379,248 1,200 SH   SOLE   0 0 1,200