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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
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
ISHARES TR CORE S&P MCP ETF 464287507 87,001 378,546 SH   SOLE   9,334 0 369,212
ISHARES TR CORE S&P SCP ETF 464287804 25,691 279,556 SH   SOLE   1,876 0 277,680
ISHARES TR RUS 1000 ETF 464287622 220,408 1,040,445 SH   SOLE   39,733 0 1,000,712
ISHARES TR RUS 1000 GRW ETF 464287614 307 1,274 SH   SOLE   0 0 1,274
ISHARES TR RUSSELL 2000 ETF 464287655 14,971 76,358 SH   SOLE   3,507 0 72,851
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 199,369 5,332,147 SH   SOLE   38,084 0 5,294,063
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 393 4,316 SH   SOLE   0 0 4,316
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 87,481 681,266 SH   SOLE   13,521 0 667,745
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,104 23,139 SH   SOLE   0 0 23,139
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 78,099 1,145,482 SH   SOLE   18,147 0 1,127,335
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 29,066 326,586 SH   SOLE   6,136 0 320,450
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,284 8,784 SH   SOLE   0 0 8,784
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,155 26,483 SH   SOLE   0 0 26,483