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
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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
BARNES GROUP INC COM 067806109 4,860 68,428 SH   SOLE   0 0 68,428
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 225 1,052 SH   SOLE   0 0 1,052
CHEVRON CORP NEW COM 166764100 366 2,993 SH   SOLE   0 0 2,993
HORIZONS ETF TR I HRZNS S&P500 COV 44053G603 404 7,764 SH   SOLE   0 0 7,764
INVESCO QQQ TR UNIT SER 1 46090E103 427 2,296 SH   SOLE   0 0 2,296
ISHARES TR CORE S&P500 ETF 464287200 2,715 9,276 SH   SOLE   0 0 9,276
ISHARES TR MSCI EMG MKT ETF 464287234 297 6,920 SH   SOLE   0 0 6,920
ISHARES TR CORE S&P MCP ETF 464287507 530 2,632 SH   SOLE   0 0 2,632
ISHARES TR CORE S&P SCP ETF 464287804 212 2,426 SH   SOLE   0 0 2,426
ISHARES TR EAFE SML CP ETF 464288273 1,981 31,808 SH   SOLE   0 0 31,808
ISHARES TR JPMORGAN USD EMG 464288281 586 5,431 SH   SOLE   0 0 5,431
ISHARES TR INTL SEL DIV ETF 464288448 303 9,288 SH   SOLE   0 0 9,288
ISHARES TR S&P US PFD STK 464288687 557 14,992 SH   SOLE   0 0 14,992
JOHNSON & JOHNSON COM 478160104 286 2,068 SH   SOLE   0 0 2,068
PROCTER AND GAMBLE CO COM 742718109 230 2,762 SH   SOLE   0 0 2,762
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 21,189 304,616 SH   SOLE   0 0 304,616
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 7,618 100,012 SH   SOLE   0 0 100,012
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 6,027 234,404 SH   SOLE   0 0 234,404
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 31,656 944,110 SH   SOLE   0 0 944,110
SCHWAB STRATEGIC TR US TIPS ETF 808524870 14,183 262,834 SH   SOLE   0 0 262,834
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,567 71,991 SH   SOLE   0 0 71,991
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 1,676 44,854 SH   SOLE   0 0 44,854
SPDR SERIES TRUST BLOOMBERG BRCLYS 78464A417 565 15,673 SH   SOLE   0 0 15,673
STANLEY BLACK & DECKER INC COM 854502101 778 5,316 SH   SOLE   0 0 5,316
UNITED TECHNOLOGIES CORP COM 913017109 248 1,772 SH   SOLE   0 0 1,772
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 256 3,172 SH   SOLE   0 0 3,172
VANGUARD INDEX FDS MID CAP ETF 922908629 10,876 66,242 SH   SOLE   0 0 66,242
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,682 41,099 SH   SOLE   0 0 41,099
VANGUARD INDEX FDS TOTAL STK MKT 922908769 22,170 148,146 SH   SOLE   0 0 148,146
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,605 63,540 SH   SOLE   0 0 63,540
VANGUARD STAR FD VG TL INTL STK F 921909768 10,314 190,993 SH   SOLE   0 0 190,993
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,211 97,309 SH   SOLE   0 0 97,309
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 259 2,975 SH   SOLE   0 0 2,975
VANGUARD WORLD FD MEGA CAP INDEX 921910873 45,257 450,363 SH   SOLE   0 0 450,363