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
AMAZON COM INC COM 023135106 1,251 11,780 SH   SOLE   0 0 11,780
APPLE INC COM 037833100 1,702 12,447 SH   SOLE   0 0 12,447
BARNES GROUP INC COM 067806109 2,652 85,159 SH   SOLE   0 0 85,159
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 407 1,490 SH   SOLE   0 0 1,490
CHEVRON CORP NEW COM 166764100 306 2,117 SH   SOLE   0 0 2,117
INVESCO QQQ TR UNIT SER 1 46090E103 769 2,745 SH   SOLE   0 0 2,745
ISHARES INC CORE MSCI EMKT 46434G103 1,009 20,564 SH   SOLE   0 0 20,564
ISHARES TR 20 YR TR BD ETF 464287432 5,483 47,733 SH   SOLE   0 0 47,733
ISHARES TR 3 7 YR TREAS BD 464288661 6,798 56,960 SH   SOLE   0 0 56,960
ISHARES TR A RATE CP BD ETF 46429B291 7,867 162,989 SH   SOLE   0 0 162,989
ISHARES TR CORE S&P MCP ETF 464287507 1,071 4,735 SH   SOLE   0 0 4,735
ISHARES TR CORE S&P SCP ETF 464287804 1,013 10,966 SH   SOLE   0 0 10,966
ISHARES TR CORE S&P TTL STK 464287150 29,039 346,610 SH   SOLE   0 0 346,610
ISHARES TR CORE S&P500 ETF 464287200 6,334 16,706 SH   SOLE   0 0 16,706
ISHARES TR EAFE SML CP ETF 464288273 491 9,003 SH   SOLE   0 0 9,003
ISHARES TR GNMA BOND ETF 46429B333 2,272 49,881 SH   SOLE   0 0 49,881
ISHARES TR GOV/CRED BD ETF 464288596 1,029 9,568 SH   SOLE   0 0 9,568
ISHARES TR IBOXX INV CP ETF 464287242 1,522 13,834 SH   SOLE   0 0 13,834
ISHARES TR ISHS 5-10YR INVT 464288638 4,198 82,216 SH   SOLE   0 0 82,216
ISHARES TR MBS ETF 464288588 7,469 76,609 SH   SOLE   0 0 76,609
ISHARES TR MSCI EAFE ETF 464287465 6,846 109,559 SH   SOLE   0 0 109,559
ISHARES TR RUS MID CAP ETF 464287499 203 3,135 SH   SOLE   0 0 3,135
ISHARES TR RUS TOP 200 ETF 464289446 629 7,007 SH   SOLE   0 0 7,007
JOHNSON & JOHNSON COM 478160104 221 1,243 SH   SOLE   0 0 1,243
MICROSOFT CORP COM 594918104 242 942 SH   SOLE   0 0 942
MONTROSE ENVIRONMENTAL GROUP COM 615111101 243 7,185 SH   SOLE   0 0 7,185
PROCTER AND GAMBLE CO COM 742718109 349 2,424 SH   SOLE   0 0 2,424
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 9,410 370,779 SH   SOLE   0 0 370,779
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 30,033 954,929 SH   SOLE   0 0 954,929
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 4,782 153,107 SH   SOLE   0 0 153,107
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 929 23,837 SH   SOLE   0 0 23,837
SCHWAB STRATEGIC TR US TIPS ETF 808524870 22,021 394,638 SH   SOLE   0 0 394,638
SPDR SER TR PORTFLI TIPS ETF 78464A656 1,633 59,335 SH   SOLE   0 0 59,335
SPDR SER TR PORTFOLI S&P1500 78464A805 835 17,960 SH   SOLE   0 0 17,960
TESLA INC COM 88160R101 924 1,372 SH   SOLE   0 0 1,372
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 537 4,093 SH   SOLE   0 0 4,093
VANGUARD INDEX FDS MID CAP ETF 922908629 16,893 85,762 SH   SOLE   0 0 85,762
VANGUARD INDEX FDS SMALL CP ETF 922908751 13,041 74,051 SH   SOLE   0 0 74,051
VANGUARD INDEX FDS TOTAL STK MKT 922908769 34,868 184,861 SH   SOLE   0 0 184,861
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,458 83,025 SH   SOLE   0 0 83,025
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,491 14,447 SH   SOLE   0 0 14,447
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 25,152 411,245 SH   SOLE   0 0 411,245
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 10,079 125,952 SH   SOLE   0 0 125,952
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 1,536 21,891 SH   SOLE   0 0 21,891
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,053 20,401 SH   SOLE   0 0 20,401
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 10,893 266,997 SH   SOLE   0 0 266,997
VANGUARD WORLD FD MEGA CAP INDEX 921910873 70,408 534,164 SH   SOLE   0 0 534,164