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
ISHARES TR CORE S&P SCP ETF 464287804 2,549 45,429 SH   SOLE NONE 0 0 45,429
ISHARES TR CORE S&P500 ETF 464287200 4,266 16,511 SH   SOLE NONE 0 0 16,511
ISHARES TR RUS 1000 GRW ETF 464287614 339 2,248 SH   SOLE NONE 0 0 2,248
ISHARES TR U.S. REAL ES ETF 464287739 2,412 34,677 SH   SOLE NONE 0 0 34,677
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 253 962 SH   SOLE NONE 0 0 962
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,812 7,031 SH   SOLE NONE 0 0 7,031
AMAZON COM INC COM 023135106 234 120 SH   SOLE NONE 0 0 120
CISCO SYS INC COM 17275R102 210 5,330 SH   SOLE NONE 0 0 5,330
COCA COLA CO COM 191216100 210 4,747 SH   SOLE NONE 0 0 4,747
ISHARES TR RUS MID CAP ETF 464287499 645 14,931 SH   SOLE NONE 0 0 14,931
ISHARES TR RUS MD CP GR ETF 464287481 665 5,472 SH   SOLE NONE 0 0 5,472
VANGUARD INDEX FDS TOTAL STK MKT 922908769 398 3,085 SH   SOLE NONE 0 0 3,085
APPLE INC COM 037833100 831 3,267 SH   SOLE NONE 0 0 3,267
CATERPILLAR INC DEL COM 149123101 210 1,810 SH   SOLE NONE 0 0 1,810
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,765 82,425 SH   SOLE NONE 0 0 82,425
ISHARES TR CORE US AGGBD ET 464287226 13,006 112,731 SH   SOLE NONE 0 0 112,731
ISHARES TR TIPS BD ETF 464287176 4,045 34,299 SH   SOLE NONE 0 0 34,299
CHURCH & DWIGHT INC COM 171340102 1,118 17,420 SH   SOLE NONE 0 0 17,420
ALPHABET INC CAP STK CL A 02079K305 300 258 SH   SOLE NONE 0 0 258
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 581 8,322 SH   SOLE NONE 0 0 8,322
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,456 29,935 SH   SOLE NONE 0 0 29,935
8X8 INC NEW COM 282914100 260 18,788 SH   SOLE NONE 0 0 18,788
DOLBY LABORATORIES INC COM CL A 25659T107 501 9,250 SH   SOLE NONE 0 0 9,250
VANGUARD INDEX FDS LARGE CAP ETF 922908637 5,640 47,624 SH   SOLE NONE 0 0 47,624
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 4,152 155,081 SH   SOLE NONE 0 0 155,081
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 202 4,927 SH   SOLE NONE 0 0 4,927
ISHARES TR SH TR CRPORT ETF 464288646 1,551 29,613 SH   SOLE NONE 0 0 29,613
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 239 2,795 SH   SOLE NONE 0 0 2,795
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,003 60,083 SH   SOLE NONE 0 0 60,083
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 9,378 119,841 SH   SOLE NONE 0 0 119,841
ISHARES TR JPMORGAN USD EMG 464288281 240 2,478 SH   SOLE NONE 0 0 2,478
ISHARES TR INTL DEV RE ETF 464288489 655 30,296 SH   SOLE NONE 0 0 30,296
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 240 3,974 SH   SOLE NONE 0 0 3,974
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,566 292,785 SH   SOLE NONE 0 0 292,785
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 55,800 911,027 SH   SOLE NONE 0 0 911,027
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 49,983 631,898 SH   SOLE NONE 0 0 631,898
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 8,731 169,463 SH   SOLE NONE 0 0 169,463
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,750 71,741 SH   SOLE NONE 0 0 71,741
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 8,452 408,510 SH   SOLE NONE 0 0 408,510
SCHWAB STRATEGIC TR US TIPS ETF 808524870 8,001 139,116 SH   SOLE NONE 0 0 139,116
SCHWAB STRATEGIC TR US REIT ETF 808524847 6,389 195,149 SH   SOLE NONE 0 0 195,149
INVESCO EXCHANGE-TRADED FD T SR LN ETF 46138G508 400 19,532 SH   SOLE NONE 0 0 19,532
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 26,076 480,484 SH   SOLE NONE 0 0 480,484
SPLUNK INC COM 848637104 729 5,779 SH   SOLE NONE 0 0 5,779
ISHARES INC CORE MSCI EMKT 46434G103 2,502 61,818 SH   SOLE NONE 0 0 61,818
ISHARES TR CORE MSCI EAFE 46432F842 2,076 41,615 SH   SOLE NONE 0 0 41,615
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 10,358 184,106 SH   SOLE NONE 0 0 184,106
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 14,087 200,105 SH   SOLE NONE 0 0 200,105
ALPHABET INC CAP STK CL C 02079K107 227 195 SH   SOLE NONE 0 0 195
ISHARES TR CORE TOTAL USD 46434V613 2,115 40,279 SH   SOLE NONE 0 0 40,279
SNAP INC CL A 83304A106 740 62,236 SH   SOLE NONE 0 0 62,236