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 3,352 44,268 SH   SOLE NONE 0 0 44,268
ISHARES TR CORE S&P500 ETF 464287200 6,378 18,152 SH   SOLE NONE 0 0 18,152
ISHARES TR RUS 1000 GRW ETF 464287614 480 2,094 SH   SOLE NONE 0 0 2,094
ISHARES TR RUSSELL 2000 ETF 464287655 205 1,259 SH   SOLE NONE 0 0 1,259
ISHARES TR U.S. REAL ES ETF 464287739 2,451 29,604 SH   SOLE NONE 0 0 29,604
SPDR SP MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 349 962 SH   SOLE NONE 0 0 962
SPDR SP 500 ETF TR TR UNIT 78462F103 2,388 6,822 SH   SOLE NONE 0 0 6,822
AMAZON COM INC COM 023135106 289 84 SH   SOLE NONE 0 0 84
ISHARES TR MSCI EAFE ETF 464287465 252 3,859 SH   SOLE NONE 0 0 3,859
CISCO SYS INC COM 17275R102 240 6,017 SH   SOLE NONE 0 0 6,017
INTERNATIONAL BUSINESS MACHS COM 459200101 202 1,611 SH   SOLE NONE 0 0 1,611
COCA COLA CO COM 191216100 227 4,528 SH   SOLE NONE 0 0 4,528
LOCKHEED MARTIN CORP COM 539830109 511 1,314 SH   SOLE NONE 0 0 1,314
ISHARES TR RUS MID CAP ETF 464287499 686 11,240 SH   SOLE NONE 0 0 11,240
ISHARES TR RUS MD CP GR ETF 464287481 999 5,358 SH   SOLE NONE 0 0 5,358
VANGUARD INDEX FDS TOTAL STK MKT 922908769 552 3,085 SH   SOLE NONE 0 0 3,085
APPLE INC COM 037833100 1,251 10,329 SH   SOLE NONE 0 0 10,329
CATERPILLAR INC DEL COM 149123101 292 1,800 SH   SOLE NONE 0 0 1,800
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,708 82,186 SH   SOLE NONE 0 0 82,186
ISHARES TR CORE US AGGBD ET 464287226 12,605 106,844 SH   SOLE NONE 0 0 106,844
ISHARES TR TIPS BD ETF 464287176 4,607 36,465 SH   SOLE NONE 0 0 36,465
CHURCH DWIGHT INC COM 171340102 1,546 16,240 SH   SOLE NONE 0 0 16,240
CINCINNATI FINL CORP COM 172062101 1,145 14,464 SH   SOLE NONE 0 0 14,464
ALPHABET INC CAP STK CL A 02079K305 326 208 SH   SOLE NONE 0 0 208
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,251 27,454 SH   SOLE NONE 0 0 27,454
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,418 38,721 SH   SOLE NONE 0 0 38,721
8X8 INC NEW COM 282914100 314 18,788 SH   SOLE NONE 0 0 18,788
DOLBY LABORATORIES INC COM CL A 25659T107 621 8,650 SH   SOLE NONE 0 0 8,650
VANGUARD INDEX FDS LARGE CAP ETF 922908637 7,765 47,407 SH   SOLE NONE 0 0 47,407
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 256 4,927 SH   SOLE NONE 0 0 4,927
ISHARES TR IBOXX HI YD ETF 464288513 12,243 144,040 SH   SOLE NONE 0 0 144,040
ISHARES TR ISHS 1-5YR INVS 464288646 1,546 28,149 SH   SOLE NONE 0 0 28,149
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,363 80,111 SH   SOLE NONE 0 0 80,111
ISHARES TR JPMORGAN USD EMG 464288281 274 2,436 SH   SOLE NONE 0 0 2,436
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 211 2,515 SH   SOLE NONE 0 0 2,515
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 13,189 409,455 SH   SOLE NONE 0 0 409,455
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 102,757 1,215,483 SH   SOLE NONE 0 0 1,215,483
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 49,790 600,489 SH   SOLE NONE 0 0 600,489
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 16,662 224,858 SH   SOLE NONE 0 0 224,858
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 17,307 619,203 SH   SOLE NONE 0 0 619,203
SCHWAB STRATEGIC TR US TIPS ETF 808524870 29,555 479,863 SH   SOLE NONE 0 0 479,863
SCHWAB STRATEGIC TR US REIT ETF 808524847 9,409 256,528 SH   SOLE NONE 0 0 256,528
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 33,352 595,045 SH   SOLE NONE 0 0 595,045
SPLUNK INC COM 848637104 1,247 5,779 SH   SOLE NONE 0 0 5,779
ISHARES INC CORE MSCI EMKT 46434G103 3,474 63,153 SH   SOLE NONE 0 0 63,153
ISHARES TR CORE MSCI EAFE 46432F842 2,108 34,088 SH   SOLE NONE 0 0 34,088
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 20,008 250,228 SH   SOLE NONE 0 0 250,228
ALPHABET INC CAP STK CL C 02079K107 306 195 SH   SOLE NONE 0 0 195
ISHARES TR CORE TOTAL USD 46434V613 2,160 39,703 SH   SOLE NONE 0 0 39,703
NATERA INC COM 632307104 205 2,812 SH   SOLE NONE 0 0 2,812
SNAP INC CL A 83304A106 1,371 50,769 SH   SOLE NONE 0 0 50,769