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
ISHARES TR CORE S&P SCP ETF 464287804 3,064 44,866 SH   SOLE NONE 0 0 44,866
ISHARES TR CORE S&P500 ETF 464287200 4,969 16,044 SH   SOLE NONE 0 0 16,044
ISHARES TR RUS 1000 GRW ETF 464287614 418 2,179 SH   SOLE NONE 0 0 2,179
ISHARES TR RUSSELL 2000 ETF 464287655 227 1,583 SH   SOLE NONE 0 0 1,583
ISHARES TR U.S. REAL ES ETF 464287739 2,447 31,044 SH   SOLE NONE 0 0 31,044
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 312 962 SH   SOLE NONE 0 0 962
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,175 7,053 SH   SOLE NONE 0 0 7,053
AMAZON COM INC COM 023135106 287 104 SH   SOLE NONE 0 0 104
ISHARES TR MSCI EAFE ETF 464287465 265 4,360 SH   SOLE NONE 0 0 4,360
MICROSOFT CORP COM 594918104 207 1,019 SH   SOLE NONE 0 0 1,019
CISCO SYS INC COM 17275R102 283 6,059 SH   SOLE NONE 0 0 6,059
INTERNATIONAL BUSINESS MACHS COM 459200101 211 1,749 SH   SOLE NONE 0 0 1,749
COCA COLA CO COM 191216100 203 4,549 SH   SOLE NONE 0 0 4,549
LOCKHEED MARTIN CORP COM 539830109 493 1,352 SH   SOLE NONE 0 0 1,352
ISHARES TR RUS MID CAP ETF 464287499 679 12,672 SH   SOLE NONE 0 0 12,672
ISHARES TR RUS MD CP GR ETF 464287481 865 5,472 SH   SOLE NONE 0 0 5,472
VANGUARD INDEX FDS TOTAL STK MKT 922908769 483 3,085 SH   SOLE NONE 0 0 3,085
APPLE INC COM 037833100 1,023 2,804 SH   SOLE NONE 0 0 2,804
CATERPILLAR INC DEL COM 149123101 228 1,800 SH   SOLE NONE 0 0 1,800
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,276 82,706 SH   SOLE NONE 0 0 82,706
ISHARES TR CORE US AGGBD ET 464287226 12,169 102,940 SH   SOLE NONE 0 0 102,940
ISHARES TR TIPS BD ETF 464287176 4,178 33,965 SH   SOLE NONE 0 0 33,965
CHURCH & DWIGHT INC COM 171340102 1,286 16,640 SH   SOLE NONE 0 0 16,640
CINCINNATI FINL CORP COM 172062101 994 15,518 SH   SOLE NONE 0 0 15,518
ALPHABET INC CAP STK CL A 02079K305 336 237 SH   SOLE NONE 0 0 237
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,220 15,535 SH   SOLE NONE 0 0 15,535
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,848 40,129 SH   SOLE NONE 0 0 40,129
8X8 INC NEW COM 282914100 301 18,788 SH   SOLE NONE 0 0 18,788
DOLBY LABORATORIES INC COM CL A 25659T107 609 9,250 SH   SOLE NONE 0 0 9,250
VANGUARD INDEX FDS LARGE CAP ETF 922908637 7,008 49,004 SH   SOLE NONE 0 0 49,004
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 235 4,927 SH   SOLE NONE 0 0 4,927
ISHARES TR IBOXX HI YD ETF 464288513 10,944 134,079 SH   SOLE NONE 0 0 134,079
ISHARES TR SH TR CRPORT ETF 464288646 1,566 28,630 SH   SOLE NONE 0 0 28,630
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 3,037 78,301 SH   SOLE NONE 0 0 78,301
ISHARES TR JPMORGAN USD EMG 464288281 272 2,492 SH   SOLE NONE 0 0 2,492
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 11,791 396,348 SH   SOLE NONE 0 0 396,348
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 91,057 1,228,841 SH   SOLE NONE 0 0 1,228,841
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 49,133 594,394 SH   SOLE NONE 0 0 594,394
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 14,732 225,467 SH   SOLE NONE 0 0 225,467
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 14,780 606,969 SH   SOLE NONE 0 0 606,969
SCHWAB STRATEGIC TR US TIPS ETF 808524870 27,358 455,820 SH   SOLE NONE 0 0 455,820
SCHWAB STRATEGIC TR US REIT ETF 808524847 9,520 270,298 SH   SOLE NONE 0 0 270,298
INVESCO EXCHANGE-TRADED FD T SR LN ETF 46138G508 417 19,532 SH   SOLE NONE 0 0 19,532
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 30,518 542,644 SH   SOLE NONE 0 0 542,644
SPLUNK INC COM 848637104 1,148 5,779 SH   SOLE NONE 0 0 5,779
ISHARES INC CORE MSCI EMKT 46434G103 2,915 61,244 SH   SOLE NONE 0 0 61,244
ISHARES TR CORE MSCI EAFE 46432F842 1,995 34,900 SH   SOLE NONE 0 0 34,900
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 18,727 240,829 SH   SOLE NONE 0 0 240,829
ALPHABET INC CAP STK CL C 02079K107 276 195 SH   SOLE NONE 0 0 195
ISHARES TR CORE TOTAL USD 46434V613 2,157 39,703 SH   SOLE NONE 0 0 39,703
SNAP INC CL A 83304A106 1,195 50,876 SH   SOLE NONE 0 0 50,876