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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
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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
ISHARES TR RUSSELL 2000 ETF 464287655 12,682 84,665 SH   SOLE   4,528 0 80,137
ISHARES TR RUS 1000 ETF 464287622 198,649 1,061,442 SH   SOLE   47,586 0 1,013,856
ISHARES TR CORE S&P SCP ETF 464287804 19,624 279,413 SH   SOLE   1,518 0 277,895
ISHARES TR RUS 1000 GRW ETF 464287614 276 1,274 SH   SOLE   0 0 1,274
ISHARES TR CORE S&P MCP ETF 464287507 73,649 397,433 SH   SOLE   14,007 0 383,426
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 174,986 5,305,831 SH   SOLE   36,330 0 5,269,501
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 311 3,900 SH   SOLE   0 0 3,900
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,892 23,464 SH   SOLE   0 0 23,464
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 62,664 1,129,494 SH   SOLE   16,044 0 1,113,450
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 23,423 342,840 SH   SOLE   9,888 0 332,952
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 78,968 685,663 SH   SOLE   17,151 0 668,512
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,808 8,384 SH   SOLE   0 0 8,384
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,510 26,483 SH   SOLE   0 0 26,483