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
APPLE INC COM 037833100 767 5,420 SH   SOLE   5,340 0 80
CISCO SYS INC COM 17275R102 221 4,056 SH   SOLE   4,056 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 2,228 68,052 SH   SOLE   68,052 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 978 17,007 SH   SOLE   17,007 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 2,877 64,806 SH   SOLE   64,806 0 0
ISHARES TR CORE S&P MCP ETF 464287507 310 1,180 SH   SOLE   1,180 0 0
ISHARES TR CORE S&P500 ETF 464287200 848 1,969 SH   SOLE   1,969 0 0
ISHARES TR IBOXX INV CP ETF 464287242 333 2,500 SH   SOLE   2,500 0 0
ISHARES TR MICRO-CAP ETF 464288869 423 2,933 SH   SOLE   2,933 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 604 2,205 SH   SOLE   2,205 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 404 2,580 SH   SOLE   2,580 0 0
JOHNSON & JOHNSON COM 478160104 258 1,595 SH   SOLE   1,595 0 0
MCDONALDS CORP COM 580135101 713 2,956 SH   SOLE   2,956 0 0
MICROSOFT CORP COM 594918104 512 1,817 SH   SOLE   1,817 0 0
PROCTER AND GAMBLE CO COM 742718109 438 3,133 SH   SOLE   3,133 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 910 29,844 SH   SOLE   29,597 0 247
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,698 43,876 SH   SOLE   43,876 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 981 6,623 SH   SOLE   6,623 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,914 28,371 SH   SOLE   28,275 0 96
SCHWAB STRATEGIC TR US REIT ETF 808524847 658 14,403 SH   SOLE   14,281 0 122
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 706 7,050 SH   SOLE   6,977 0 73
SPDR SER TR NUVEEN BLMBRG SR 78468R739 736 14,900 SH   SOLE   14,900 0 0
SPDR SER TR S&P 600 SMCP GRW 78464A201 294 3,380 SH   SOLE   3,361 0 19
SPDR SER TR S&P 600 SMCP VAL 78464A300 991 12,091 SH   SOLE   11,888 0 203
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 54,624 666,631 SH   SOLE   652,032 0 14,599
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,340 23,534 SH   SOLE   382 0 23,152
VANGUARD INDEX FDS GROWTH ETF 922908736 44,361 152,879 SH   SOLE   152,048 0 831
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,421 8,393 SH   SOLE   8,393 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 22,637 80,802 SH   SOLE   80,086 0 716
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 403 4,895 SH   SOLE   4,895 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 542 10,734 SH   SOLE   10,734 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 349 6,464 SH   SOLE   6,464 0 0