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
ISHARES TR RUS 1000 VAL ETF 464287598 352 2,322 SH   SOLE   0 0 2,322
SPDR S&P 500 ETF TR TR UNIT 78462F103 470 1,185 SH   SOLE   0 0 1,185
AMAZON COM INC COM 023135106 758 245 SH   SOLE   0 0 245
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 777 3,041 SH   SOLE   0 0 3,041
INVESCO QQQ TR UNIT SER 1 46090E103 319 1,001 SH   SOLE   0 0 1,001
INTEL CORP COM 458140100 266 4,157 SH   SOLE   0 0 4,157
JOHNSON & JOHNSON COM 478160104 2,602 15,830 SH   SOLE   0 0 15,830
ISHARES TR MSCI EAFE ETF 464287465 48,127 634,336 SH   SOLE   0 0 634,336
MICROSOFT CORP COM 594918104 2,159 9,157 SH   SOLE   0 0 9,157
AT&T INC COM 00206R102 364 12,024 SH   SOLE   0 0 12,024
CISCO SYS INC COM 17275R102 205 3,966 SH   SOLE   0 0 3,966
PEPSICO INC COM 713448108 318 2,248 SH   SOLE   0 0 2,248
VERIZON COMMUNICATIONS INC COM 92343V104 313 5,379 SH   SOLE   0 0 5,379
ISHARES TR RUS MID CAP ETF 464287499 1,993 26,956 SH   SOLE   0 0 26,956
ISHARES TR U.S. TECH ETF 464287721 229 2,612 SH   SOLE   0 0 2,612
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 261 3,824 SH   SOLE   0 0 3,824
EXXON MOBIL CORP COM 30231G102 210 3,756 SH   SOLE   0 0 3,756
LILLY ELI & CO COM 532457108 798 4,272 SH   SOLE   0 0 4,272
DANAHER CORPORATION COM 235851102 223 992 SH   SOLE   0 0 992
PROCTER AND GAMBLE CO COM 742718109 264 1,948 SH   SOLE   0 0 1,948
NIKE INC CL B 654106103 340 2,561 SH   SOLE   0 0 2,561
JPMORGAN CHASE & CO COM 46625H100 213 1,397 SH   SOLE   0 0 1,397
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,256 20,592 SH   SOLE   0 0 20,592
APPLE INC COM 037833100 995 8,146 SH   SOLE   0 0 8,146
ISHARES TR MSCI EMG MKT ETF 464287234 16,346 306,456 SH   SOLE   0 0 306,456
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 333 2,354 SH   SOLE   0 0 2,354
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,695 51,779 SH   SOLE   0 0 51,779
ALPHABET INC CAP STK CL A 02079K305 980 475 SH   SOLE   0 0 475
VANGUARD INDEX FDS VALUE ETF 922908744 259 1,968 SH   SOLE   0 0 1,968
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 20,925 254,592 SH   SOLE   0 0 254,592
VANGUARD BD INDEX FDS INTERMED TERM 921937819 9,828 110,764 SH   SOLE   0 0 110,764
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 7,636 90,138 SH   SOLE   0 0 90,138
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 9,061 92,331 SH   SOLE   0 0 92,331
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 8,745 178,079 SH   SOLE   0 0 178,079
ISHARES TR NATIONAL MUN ETF 464288414 366 3,150 SH   SOLE   0 0 3,150
VISA INC COM CL A 92826C839 283 1,337 SH   SOLE   0 0 1,337
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 116,975 1,209,539 SH   SOLE   0 0 1,209,539
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 790 8,223 SH   SOLE   0 0 8,223
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,817 70,513 SH   SOLE   0 0 70,513
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 6,624 124,118 SH   SOLE   0 0 124,118
VISA INC COM CL A 92826C839 264 395 SH   SOLE   0 0 395
VANGUARD STAR FDS VG TL INTL STK F 921909768 254 4,051 SH   SOLE   0 0 4,051
FACEBOOK INC CL A 30303M102 513 1,743 SH   SOLE   0 0 1,743
ABBVIE INC COM 00287Y109 297 2,741 SH   SOLE   0 0 2,741
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 24,644 431,445 SH   SOLE   0 0 431,445
PROSHARES TR S&P 500 DV ARIST 74348A467 490 5,686 SH   SOLE   0 0 5,686
ALPHABET INC CAP STK CL C 02079K107 728 352 SH   SOLE   0 0 352
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289 1,039 29,522 SH   SOLE   0 0 29,522