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 2,428,428 11,069 SH   SOLE   0 0 11,069
APPLE INC COM 037833100 BBG001S5N8V8 2,536,442 10,129 SH   SOLE   0 0 10,129
BARNES GROUP INC COM 067806109 BBG001S5P0S7 2,001,083 42,342 SH   SOLE   0 0 42,342
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 675,388 1,490 SH   SOLE   0 0 1,490
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 306,627 2,117 SH   SOLE   0 0 2,117
GUIDEWIRE SOFTWARE INC COM 40171V100 BBG001TWHGX5 601,831 3,570 SH   SOLE   0 0 3,570
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 1,402,304 2,743 SH   SOLE   0 0 2,743
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 1,150,773 22,037 SH   SOLE   0 0 22,037
ISHARES TR 0-3 MNTH TREASRY 46436E718 BBG00TZR7YF0 638,375 6,363 SH   SOLE   0 0 6,363
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 6,608,890 75,677 SH   SOLE   0 0 75,677
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 10,549,715 91,300 SH   SOLE   0 0 91,300
ISHARES TR A RATE CP BD ETF 46429B291 BBG002NCM1M2 8,291,066 177,197 SH   SOLE   0 0 177,197
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 1,140,585 18,305 SH   SOLE   0 0 18,305
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 911,852 7,914 SH   SOLE   0 0 7,914
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 41,220,569 320,483 SH   SOLE   0 0 320,483
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 5,380,536 9,140 SH   SOLE   0 0 9,140
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 682,160 11,229 SH   SOLE   0 0 11,229
ISHARES TR GNMA BOND ETF 46429B333 BBG002N8KM74 2,313,284 53,885 SH   SOLE   0 0 53,885
ISHARES TR GOV/CRED BD ETF 464288596 BBG001SSD894 707,649 6,922 SH   SOLE   0 0 6,922
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 2,976,456 27,859 SH   SOLE   0 0 27,859
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 3,821,218 74,184 SH   SOLE   0 0 74,184
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 8,928,457 97,387 SH   SOLE   0 0 97,387
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 7,027,738 92,947 SH   SOLE   0 0 92,947
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 1,256,253 14,211 SH   SOLE   0 0 14,211
ISHARES TR RUS TOP 200 ETF 464289446 BBG001T5LBQ8 856,828 5,921 SH   SOLE   0 0 5,921
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 1,740,077 15,803 SH   SOLE   0 0 15,803
MICROSOFT CORP COM 594918104 BBG001S5TD05 230,780 548 SH   SOLE   0 0 548
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 399,846 2,385 SH   SOLE   0 0 2,385
PROSPECT CAP CORP NOTE 6.375% 3/0 74348TAT9   10,140 10,000 SH   SOLE   0 0 10,000
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 12,234,217 459,415 SH   SOLE   0 0 459,415
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 39,750,169 2,148,658 SH   SOLE   0 0 2,148,658
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 6,003,552 174,878 SH   SOLE   0 0 174,878
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 546,463 20,002 SH   SOLE   0 0 20,002
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 733,028 28,346 SH   SOLE   0 0 28,346
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 20,928,777 810,251 SH   SOLE   0 0 810,251
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 500,570 5,475 SH   SOLE   0 0 5,475
SPDR SER TR BLOOMBERG 3-12 M 78468R523 BBG00X8RXGK5 2,108,186 21,263 SH   SOLE   0 0 21,263
SPDR SER TR PORTFLI TIPS ETF 78464A656 BBG001STKCZ6 7,671,715 303,110 SH   SOLE   0 0 303,110
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 1,479,651 20,715 SH   SOLE   0 0 20,715
TESLA INC COM 88160R101 BBG001SQKGD7 1,543,073 3,821 SH   SOLE   0 0 3,821
TRAVELERS COMPANIES INC COM 89417E109 BBG001S5R103 592,831 2,461 SH   SOLE   0 0 2,461
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 1,157,571 6,093 SH   SOLE   0 0 6,093
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 21,783,897 82,474 SH   SOLE   0 0 82,474
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 17,696,161 73,648 SH   SOLE   0 0 73,648
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 47,952,214 165,461 SH   SOLE   0 0 165,461
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 3,408,652 77,399 SH   SOLE   0 0 77,399
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 1,541,817 13,468 SH   SOLE   0 0 13,468
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 27,055,069 466,467 SH   SOLE   0 0 466,467
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 13,133,167 163,612 SH   SOLE   0 0 163,612
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 BBG001T62MC8 1,024,861 18,516 SH   SOLE   0 0 18,516
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 1,013,951 17,206 SH   SOLE   0 0 17,206
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 12,389,015 259,076 SH   SOLE   0 0 259,076
VANGUARD WORLD FD MEGA CAP INDEX 921910873 BBG001T0Y6Y7 100,383,201 472,036 SH   SOLE   0 0 472,036