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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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
SPDR S&P 500 ETF TR TR UNIT 78462F103 414 1,285 SH   SOLE   0 0 1,285
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 552 2,437 SH   SOLE   0 0 2,437
INVESCO QQQ TR UNIT SER 1 46090E103 213 1,000 SH   SOLE   0 0 1,000
JOHNSON & JOHNSON COM 478160104 2,112 14,481 SH   SOLE   0 0 14,481
ISHARES TR MSCI EAFE ETF 464287465 387 5,580 SH   SOLE   0 0 5,580
MICROSOFT CORP COM 594918104 1,072 6,797 SH   SOLE   0 0 6,797
AT&T INC COM 00206R102 470 12,024 SH   SOLE   0 0 12,024
VERIZON COMMUNICATIONS INC COM 92343V104 372 6,059 SH   SOLE   0 0 6,059
ISHARES TR RUS MID CAP ETF 464287499 210 3,516 SH   SOLE   0 0 3,516
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 241 3,824 SH   SOLE   0 0 3,824
EXXON MOBIL CORP COM 30231G102 286 4,096 SH   SOLE   0 0 4,096
LILLY ELI & CO COM 532457108 574 4,367 SH   SOLE   0 0 4,367
VANGUARD INDEX FDS TOTAL STK MKT 922908769 898 5,489 SH   SOLE   0 0 5,489
APPLE INC COM 037833100 218 741 SH   SOLE   0 0 741
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 269 2,327 SH   SOLE   0 0 2,327
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 14,447 324,863 SH   SOLE   0 0 324,863
ALPHABET INC CAP STK CL A 02079K305 559 417 SH   SOLE   0 0 417
VANGUARD INDEX FDS VALUE ETF 922908744 236 1,968 SH   SOLE   0 0 1,968
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 20,314 252,000 SH   SOLE   0 0 252,000
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 9,831 112,710 SH   SOLE   0 0 112,710
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 960 11,451 SH   SOLE   0 0 11,451
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 9,146 91,151 SH   SOLE   0 0 91,151
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 49,698 1,127,969 SH   SOLE   0 0 1,127,969
ISHARES TR NATIONAL MUN ETF 464288414 359 3,148 SH   SOLE   0 0 3,148
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 221 2,729 SH   SOLE   0 0 2,729
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 102,807 1,337,239 SH   SOLE   0 0 1,337,239
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 636 8,274 SH   SOLE   0 0 8,274
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,446 67,209 SH   SOLE   0 0 67,209
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 5,525 103,911 SH   SOLE   0 0 103,911
FACEBOOK INC CL A 30303M102 241 1,172 SH   SOLE   0 0 1,172
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 20,840 368,322 SH   SOLE   0 0 368,322
PROSHARES TR S&P 500 DV ARIST 74348A467 431 5,705 SH   SOLE   0 0 5,705
ALPHABET INC CAP STK CL C 02079K107 468 350 SH   SOLE   0 0 350