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
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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
SPDR S&P 500 ETF TR TR UNIT 78462F103 381 1,285 SH   SOLE   0 0 1,285
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 499 2,401 SH   SOLE   0 0 2,401
JOHNSON & JOHNSON COM 478160104 1,987 15,360 SH   SOLE   0 0 15,360
ISHARES TR MSCI EAFE ETF 464287465 368 5,640 SH   SOLE   0 0 5,640
MICROSOFT CORP COM 594918104 945 6,797 SH   SOLE   0 0 6,797
AT&T INC COM 00206R102 455 12,024 SH   SOLE   0 0 12,024
VERIZON COMMUNICATIONS INC COM 92343V104 366 6,059 SH   SOLE   0 0 6,059
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 235 3,824 SH   SOLE   0 0 3,824
EXXON MOBIL CORP COM 30231G102 305 4,314 SH   SOLE   0 0 4,314
LILLY ELI & CO COM 532457108 488 4,367 SH   SOLE   0 0 4,367
VANGUARD INDEX FDS TOTAL STK MKT 922908769 808 5,352 SH   SOLE   0 0 5,352
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 252 2,327 SH   SOLE   0 0 2,327
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 13,054 324,231 SH   SOLE   0 0 324,231
ALPHABET INC CAP STK CL A 02079K305 509 417 SH   SOLE   0 0 417
VANGUARD INDEX FDS VALUE ETF 922908744 220 1,968 SH   SOLE   0 0 1,968
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 20,378 252,228 SH   SOLE   0 0 252,228
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 9,923 112,764 SH   SOLE   0 0 112,764
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 935 11,073 SH   SOLE   0 0 11,073
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 9,354 91,108 SH   SOLE   0 0 91,108
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 46,273 1,126,424 SH   SOLE   0 0 1,126,424
ISHARES TR NATIONAL MUN ETF 464288414 359 3,147 SH   SOLE   0 0 3,147
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 204 2,729 SH   SOLE   0 0 2,729
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 94,974 1,337,280 SH   SOLE   0 0 1,337,280
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 587 8,274 SH   SOLE   0 0 8,274
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,488 67,713 SH   SOLE   0 0 67,713
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 5,533 103,880 SH   SOLE   0 0 103,880
FACEBOOK INC CL A 30303M102 209 1,172 SH   SOLE   0 0 1,172
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 21,652 368,045 SH   SOLE   0 0 368,045
PROSHARES TR S&P 500 DV ARIST 74348A467 408 5,705 SH   SOLE   0 0 5,705
ALPHABET INC CAP STK CL C 02079K107 427 350 SH   SOLE   0 0 350