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
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,506,440 11,556 SH   SOLE   0 0 11,556
APPLE INC COM 037833100 BBG001S5N8V8 2,208,472 11,386 SH   SOLE   0 0 11,386
BARNES GROUP INC COM 067806109 BBG001S5P0S7 3,435,827 81,437 SH   SOLE   0 0 81,437
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 523,776 1,536 SH   SOLE   0 0 1,536
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 333,110 2,117 SH   SOLE   0 0 2,117
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 1,005,561 2,722 SH   SOLE   0 0 2,722
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 1,010,741 20,506 SH   SOLE   0 0 20,506
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 5,686,770 55,244 SH   SOLE   0 0 55,244
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 6,474,269 56,171 SH   SOLE   0 0 56,171
ISHARES TR A RATE CP BD ETF 46429B291 BBG002NCM1M2 7,751,853 164,304 SH   SOLE   0 0 164,304
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 1,141,883 4,367 SH   SOLE   0 0 4,367
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,032,374 10,360 SH   SOLE   0 0 10,360
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 34,333,524 350,915 SH   SOLE   0 0 350,915
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 6,981,156 15,663 SH   SOLE   0 0 15,663
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 792,042 13,429 SH   SOLE   0 0 13,429
ISHARES TR GNMA BOND ETF 46429B333 BBG002N8KM74 2,149,519 49,031 SH   SOLE   0 0 49,031
ISHARES TR GOV/CRED BD ETF 464288596 BBG001SSD894 986,312 9,482 SH   SOLE   0 0 9,482
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 1,687,200 15,602 SH   SOLE   0 0 15,602
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 3,504,602 69,302 SH   SOLE   0 0 69,302
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 7,426,320 79,626 SH   SOLE   0 0 79,626
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 7,132,550 98,380 SH   SOLE   0 0 98,380
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 1,277,806 17,497 SH   SOLE   0 0 17,497
ISHARES TR RUS TOP 200 ETF 464289446 BBG001T5LBQ8 1,357,954 12,734 SH   SOLE   0 0 12,734
MICROSOFT CORP COM 594918104 BBG001S5TD05 278,003 816 SH   SOLE   0 0 816
MONTROSE ENVIRONMENTAL GROUP COM 615111101 BBG005Q29V07 302,632 7,185 SH   SOLE   0 0 7,185
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 367,818 2,424 SH   SOLE   0 0 2,424
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 9,464,298 384,259 SH   SOLE   0 0 384,259
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 34,853,261 977,651 SH   SOLE   0 0 977,651
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 5,081,122 150,463 SH   SOLE   0 0 150,463
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 927,377 21,173 SH   SOLE   0 0 21,173
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 20,410,894 389,298 SH   SOLE   0 0 389,298
SPDR SER TR PORTFLI TIPS ETF 78464A656 BBG001STKCZ6 3,788,583 146,617 SH   SOLE   0 0 146,617
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 1,246,458 22,896 SH   SOLE   0 0 22,896
TESLA INC COM 88160R101 BBG001SQKGD7 1,054,148 4,027 SH   SOLE   0 0 4,027
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 1,223,531 8,221 SH   SOLE   0 0 8,221
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 18,223,284 82,773 SH   SOLE   0 0 82,773
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 14,542,099 73,116 SH   SOLE   0 0 73,116
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 40,420,719 183,497 SH   SOLE   0 0 183,497
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 3,459,753 85,048 SH   SOLE   0 0 85,048
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 1,579,754 14,299 SH   SOLE   0 0 14,299
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 25,236,438 430,215 SH   SOLE   0 0 430,215
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 10,993,863 139,110 SH   SOLE   0 0 139,110
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 BBG001T62MC8 1,257,195 19,789 SH   SOLE   0 0 19,789
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 1,230,752 21,946 SH   SOLE   0 0 21,946
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 12,460,934 269,834 SH   SOLE   0 0 269,834
VANGUARD WORLD FD MEGA CAP INDEX 921910873 BBG001T0Y6Y7 83,871,689 536,058 SH   SOLE   0 0 536,058