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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE S&P SCP ETF 464287804 3,850 51,139 SH   SOLE NONE 0 0 51,139
ISHARES TR SP SMCP600VL ETF 464287879 530 3,668 SH   SOLE NONE 0 0 3,668
ISHARES TR S&P 500 VAL ETF 464287408 1,163 9,996 SH   SOLE NONE 0 0 9,996
ISHARES TR CORE S&P500 ETF 464287200 5,290 18,061 SH   SOLE NONE 0 0 18,061
ISHARES TR RUS 1000 GRW ETF 464287614 399 2,526 SH   SOLE NONE 0 0 2,526
ISHARES TR RUSSELL 2000 ETF 464287655 282 1,918 SH   SOLE NONE 0 0 1,918
ISHARES TR U.S. REAL ES ETF 464287739 3,219 34,555 SH   SOLE NONE 0 0 34,555
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 341 999 SH   SOLE NONE 0 0 999
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,228 7,649 SH   SOLE NONE 0 0 7,649
CISCO SYS INC COM 17275R102 282 6,022 SH   SOLE NONE 0 0 6,022
INTERNATIONAL BUSINESS MACHS COM 459200101 244 1,749 SH   SOLE NONE 0 0 1,749
COCA COLA CO COM 191216100 280 5,197 SH   SOLE NONE 0 0 5,197
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 3,814 64,622 SH   SOLE NONE 0 0 64,622
ISHARES TR RUS MID CAP ETF 464287499 821 15,048 SH   SOLE NONE 0 0 15,048
ISHARES TR RUS MD CP GR ETF 464287481 837 6,008 SH   SOLE NONE 0 0 6,008
VANGUARD INDEX FDS TOTAL STK MKT 922908769 457 3,085 SH   SOLE NONE 0 0 3,085
APPLE INC COM 037833100 964 4,248 SH   SOLE NONE 0 0 4,248
CATERPILLAR INC DEL COM 149123101 215 1,800 SH   SOLE NONE 0 0 1,800
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,509 62,551 SH   SOLE NONE 0 0 62,551
ISHARES TR CORE US AGGBD ET 464287226 13,347 117,607 SH   SOLE NONE 0 0 117,607
ISHARES TR TIPS BD ETF 464287176 3,960 34,025 SH   SOLE NONE 0 0 34,025
CHURCH & DWIGHT INC COM 171340102 1,323 17,420 SH   SOLE NONE 0 0 17,420
ALPHABET INC CAP STK CL A 02079K305 436 363 SH   SOLE NONE 0 0 363
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 773 8,317 SH   SOLE NONE 0 0 8,317
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,463 16,415 SH   SOLE NONE 0 0 16,415
8X8 INC NEW COM 282914100 375 18,788 SH   SOLE NONE 0 0 18,788
DOLBY LABORATORIES INC COM CL A 25659T107 574 9,290 SH   SOLE NONE 0 0 9,290
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,994 22,383 SH   SOLE NONE 0 0 22,383
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 6,417 161,402 SH   SOLE NONE 0 0 161,402
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 242 4,927 SH   SOLE NONE 0 0 4,927
ISHARES TR SH TR CRPORT ETF 464288646 988 18,378 SH   SOLE NONE 0 0 18,378
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 276 3,263 SH   SOLE NONE 0 0 3,263
ISHARES TR INTL SEL DIV ETF 464288448 540 18,024 SH   SOLE NONE 0 0 18,024
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,665 41,224 SH   SOLE NONE 0 0 41,224
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 13,364 132,266 SH   SOLE NONE 0 0 132,266
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 9,937 339,616 SH   SOLE NONE 0 0 339,616
ISHARES TR JPMORGAN USD EMG 464288281 7,030 62,113 SH   SOLE NONE 0 0 62,113
ISHARES TR INTL DEV RE ETF 464288489 589 19,789 SH   SOLE NONE 0 0 19,789
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 388 5,579 SH   SOLE NONE 0 0 5,579
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,882 283,860 SH   SOLE NONE 0 0 283,860
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 21,767 312,606 SH   SOLE NONE 0 0 312,606
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 48,268 594,291 SH   SOLE NONE 0 0 594,291
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 11,789 174,391 SH   SOLE NONE 0 0 174,391
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 4,359 79,102 SH   SOLE NONE 0 0 79,102
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,129 35,948 SH   SOLE NONE 0 0 35,948
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 9,793 391,112 SH   SOLE NONE 0 0 391,112
SCHWAB STRATEGIC TR US TIPS ETF 808524870 7,511 132,046 SH   SOLE NONE 0 0 132,046
SCHWAB STRATEGIC TR US REIT ETF 808524847 8,787 187,112 SH   SOLE NONE 0 0 187,112
INVESCO EXCHNG TRADED FD TR SR LN ETF 46138G508 23,819 1,063,354 SH   SOLE NONE 0 0 1,063,354
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 23,326 432,284 SH   SOLE NONE 0 0 432,284
INVESCO EXCH TRD SLF IDX FD BULSHS 2019 CB 46138J304 1,076 50,997 SH   SOLE NONE 0 0 50,997
SPLUNK INC COM 848637104 690 5,797 SH   SOLE NONE 0 0 5,797
ISHARES INC CORE MSCI EMKT 46434G103 3,336 68,314 SH   SOLE NONE 0 0 68,314
ISHARES TR CORE MSCI EAFE 46432F842 2,747 45,728 SH   SOLE NONE 0 0 45,728
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 204 4,151 SH   SOLE NONE 0 0 4,151
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 280 6,128 SH   SOLE NONE 0 0 6,128
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 10,374 176,406 SH   SOLE NONE 0 0 176,406
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 3,147 116,761 SH   SOLE NONE 0 0 116,761
ALPHABET INC CAP STK CL C 02079K107 542 451 SH   SOLE NONE 0 0 451
ISHARES TR CORE TOTAL USD 46434V613 2,237 42,615 SH   SOLE NONE 0 0 42,615
SNAP INC CL A 83304A106 802 56,449 SH   SOLE NONE 0 0 56,449