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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109   442,973 2,741 SH   SOLE   0 0 2,741
ALPHABET INC CAP STK CL C 02079K107   784,373 8,840 SH   SOLE   0 0 8,840
ALPHABET INC CAP STK CL A 02079K305   1,104,320 12,516 SH   SOLE   0 0 12,516
AMAZON COM INC COM 023135106   434,295 5,170 SH   SOLE   0 0 5,170
APPLE INC COM 037833100   1,492,766 11,489 SH   SOLE   0 0 11,489
AT&T INC COM 00206R102   208,475 11,324 SH   SOLE   0 0 11,324
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   995,276 3,222 SH   SOLE   0 0 3,222
DANAHER CORPORATION COM 235851102   263,297 992 SH   SOLE   0 0 992
DBX ETF TR XTRACK MSCI EURP 233051853   201,563 6,033 SH   SOLE   0 0 6,033
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289   472,125 15,806 SH   SOLE   0 0 15,806
EXXON MOBIL CORP COM 30231G102   424,324 3,847 SH   SOLE   0 0 3,847
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   331,796 2,349 SH   SOLE   0 0 2,349
INVESCO QQQ TR UNIT SER 1 46090E103   266,280 1,000 SH   SOLE   0 0 1,000
ISHARES TR RUS 1000 VAL ETF 464287598   352,131 2,322 SH   SOLE   0 0 2,322
ISHARES TR MSCI EAFE ETF 464287465   41,437,088 631,278 SH   SOLE   0 0 631,278
ISHARES TR RUS MID CAP ETF 464287499   1,818,182 26,956 SH   SOLE   0 0 26,956
ISHARES TR MSCI EMG MKT ETF 464287234   11,589,744 305,798 SH   SOLE   0 0 305,798
JOHNSON & JOHNSON COM 478160104   2,681,867 15,182 SH   SOLE   0 0 15,182
LILLY ELI & CO COM 532457108   1,534,699 4,195 SH   SOLE   0 0 4,195
MICROSOFT CORP COM 594918104   2,241,837 9,348 SH   SOLE   0 0 9,348
NIKE INC CL B 654106103   299,663 2,561 SH   SOLE   0 0 2,561
NVIDIA CORPORATION COM 67066G104   200,504 1,372 SH   SOLE   0 0 1,372
PEPSICO INC COM 713448108   375,411 2,078 SH   SOLE   0 0 2,078
PROCTER AND GAMBLE CO COM 742718109   295,239 1,948 SH   SOLE   0 0 1,948
PROSHARES TR S&P 500 DV ARIST 74348A467   500,434 5,561 SH   SOLE   0 0 5,561
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   106,044,716 2,366,541 SH   SOLE   0 0 2,366,541
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   285,079 3,824 SH   SOLE   0 0 3,824
SPDR S&P 500 ETF TR TR UNIT 78462F103   408,818 1,069 SH   SOLE   0 0 1,069
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   18,147,975 241,073 SH   SOLE   0 0 241,073
VANGUARD BD INDEX FDS INTERMED TERM 921937819   8,325,624 112,024 SH   SOLE   0 0 112,024
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,257,631 17,506 SH   SOLE   0 0 17,506
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   7,671,758 105,905 SH   SOLE   0 0 105,905
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   18,259,933 384,987 SH   SOLE   0 0 384,987
VANGUARD INDEX FDS TOTAL STK MKT 922908769   8,285,219 43,335 SH   SOLE   0 0 43,335
VANGUARD INDEX FDS VALUE ETF 922908744   276,248 1,968 SH   SOLE   0 0 1,968
VANGUARD INDEX FDS MID CAP ETF 922908629   246,202 1,208 SH   SOLE   0 0 1,208
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,451,009 114,187 SH   SOLE   0 0 114,187
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,680,446 19,497 SH   SOLE   0 0 19,497
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   38,322,136 774,341 SH   SOLE   0 0 774,341
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   4,550,273 60,517 SH   SOLE   0 0 60,517
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   4,576,444 100,537 SH   SOLE   0 0 100,537
VANGUARD STAR FDS VG TL INTL STK F 921909768   260,721 5,041 SH   SOLE   0 0 5,041
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   9,916,378 236,273 SH   SOLE   0 0 236,273
VERIZON COMMUNICATIONS INC COM 92343V104   202,674 5,144 SH   SOLE   0 0 5,144
VISA INC COM CL A 92826C839   421,545 2,029 SH   SOLE   0 0 2,029