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
Estimated average burden
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
APPLE INC COM 037833100 653 5,346 SH   SOLE   5,346 0 0
CISCO SYS INC COM 17275R102 208 4,014 SH   SOLE   4,014 0 0
ISHARES TR CORE S&P MCP ETF 464287507 307 1,180 SH   SOLE   1,180 0 0
ISHARES TR CORE S&P500 ETF 464287200 783 1,969 SH   SOLE   1,969 0 0
ISHARES TR IBOXX INV CP ETF 464287242 325 2,500 SH   SOLE   2,500 0 0
ISHARES TR MICRO-CAP ETF 464288869 449 3,056 SH   SOLE   3,056 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 536 2,205 SH   SOLE   2,205 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 391 2,580 SH   SOLE   2,580 0 0
JOHNSON & JOHNSON COM 478160104 261 1,586 SH   SOLE   1,586 0 0
MCDONALDS CORP COM 580135101 656 2,925 SH   SOLE   2,925 0 0
MICROSOFT CORP COM 594918104 428 1,816 SH   SOLE   1,816 0 0
PROCTER AND GAMBLE CO COM 742718109 422 3,119 SH   SOLE   3,119 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 978 30,777 SH   SOLE   30,530 0 247
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,651 43,879 SH   SOLE   43,879 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 929 7,156 SH   SOLE   7,156 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,814 27,786 SH   SOLE   27,690 0 96
SCHWAB STRATEGIC TR US REIT ETF 808524847 595 14,474 SH   SOLE   14,352 0 122
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 661 6,634 SH   SOLE   6,634 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 738 14,900 SH   SOLE   14,900 0 0
SPDR SER TR S&P 600 SMCP GRW 78464A201 288 3,351 SH   SOLE   3,332 0 19
SPDR SER TR S&P 600 SMCP VAL 78464A300 1,043 12,718 SH   SOLE   12,515 0 203
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 49,699 604,690 SH   SOLE   592,738 0 11,952
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 1,125 19,692 SH   SOLE   182 0 19,510
VANGUARD INDEX FDS GROWTH ETF 922908736 39,752 154,653 SH   SOLE   154,004 0 649
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,465 8,846 SH   SOLE   8,846 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 20,880 76,026 SH   SOLE   75,299 0 727
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 429 5,206 SH   SOLE   5,206 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 527 10,734 SH   SOLE   10,734 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 376 6,464 SH   SOLE   6,464 0 0