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 4,049 36,933 SH   SOLE NONE 0 0 36,933
ISHARES TR CORE S&P500 ETF 464287200 6,998 16,939 SH   SOLE NONE 0 0 16,939
ISHARES TR S&P 500 GRWT ETF 464287309 538 7,821 SH   SOLE NONE 0 0 7,821
ISHARES TR RUS 1000 GRW ETF 464287614 538 2,094 SH   SOLE NONE 0 0 2,094
ISHARES TR U.S. REAL ES ETF 464287739 2,772 29,345 SH   SOLE NONE 0 0 29,345
SPDR SP MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 470 962 SH   SOLE NONE 0 0 962
SPDR SP 500 ETF TR TR UNIT 78462F103 2,986 7,253 SH   SOLE NONE 0 0 7,253
AMAZON COM INC COM 023135106 284 84 SH   SOLE NONE 0 0 84
ISHARES TR MSCI EAFE ETF 464287465 212 2,737 SH   SOLE NONE 0 0 2,737
MICROSOFT CORP COM 594918104 213 831 SH   SOLE NONE 0 0 831
CISCO SYS INC COM 17275R102 213 4,124 SH   SOLE NONE 0 0 4,124
INTERNATIONAL BUSINESS MACHS COM 459200101 217 1,611 SH   SOLE NONE 0 0 1,611
LOCKHEED MARTIN CORP COM 539830109 441 1,138 SH   SOLE NONE 0 0 1,138
ISHARES TR RUS MID CAP ETF 464287499 760 9,957 SH   SOLE NONE 0 0 9,957
ISHARES TR RUS MD CP GR ETF 464287481 714 6,708 SH   SOLE NONE 0 0 6,708
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 260 7,360 SH   SOLE NONE 0 0 7,360
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 315 2,669 SH   SOLE NONE 0 0 2,669
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 323 1,826 SH   SOLE NONE 0 0 1,826
ISHARES TR EXPND TEC SC ETF 464287549 325 845 SH   SOLE NONE 0 0 845
JPMORGAN CHASE CO COM 46625H100 203 1,300 SH   SOLE NONE 0 0 1,300
VANGUARD INDEX FDS TOTAL STK MKT 922908769 661 3,085 SH   SOLE NONE 0 0 3,085
APPLE INC COM 037833100 962 7,329 SH   SOLE NONE 0 0 7,329
CATERPILLAR INC COM 149123101 416 1,800 SH   SOLE NONE 0 0 1,800
ISHARES TR EXPANDED TECH 464287515 306 838 SH   SOLE NONE 0 0 838
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,659 89,840 SH   SOLE NONE 0 0 89,840
ISHARES TR CORE US AGGBD ET 464287226 12,018 105,280 SH   SOLE NONE 0 0 105,280
ISHARES TR TIPS BD ETF 464287176 4,536 36,175 SH   SOLE NONE 0 0 36,175
CHURCH DWIGHT INC COM 171340102 1,420 16,240 SH   SOLE NONE 0 0 16,240
CINCINNATI FINL CORP COM 172062101 1,540 14,464 SH   SOLE NONE 0 0 14,464
ALPHABET INC CAP STK CL A 02079K305 388 173 SH   SOLE NONE 0 0 173
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 419 5,056 SH   SOLE NONE 0 0 5,056
VANGUARD INDEX FDS VALUE ETF 922908744 561 4,199 SH   SOLE NONE 0 0 4,199
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,586 27,422 SH   SOLE NONE 0 0 27,422
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,988 36,610 SH   SOLE NONE 0 0 36,610
8X8 INC NEW COM 282914100 617 18,788 SH   SOLE NONE 0 0 18,788
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 545 8,405 SH   SOLE NONE 0 0 8,405
DOLBY LABORATORIES INC COM CL A 25659T107 829 8,113 SH   SOLE NONE 0 0 8,113
VANGUARD INDEX FDS LARGE CAP ETF 922908637 8,677 45,059 SH   SOLE NONE 0 0 45,059
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 304 4,927 SH   SOLE NONE 0 0 4,927
ISHARES TR IBOXX HI YD ETF 464288513 13,514 155,140 SH   SOLE NONE 0 0 155,140
ISHARES TR ISHS 1-5YR INVS 464288646 1,401 25,623 SH   SOLE NONE 0 0 25,623
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,799 75,538 SH   SOLE NONE 0 0 75,538
ISHARES TR JPMORGAN USD EMG 464288281 376 3,422 SH   SOLE NONE 0 0 3,422
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 250 2,495 SH   SOLE NONE 0 0 2,495
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 16,727 434,592 SH   SOLE NONE 0 0 434,592
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 123,681 1,237,924 SH   SOLE NONE 0 0 1,237,924
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 54,444 659,925 SH   SOLE NONE 0 0 659,925
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 20,606 204,368 SH   SOLE NONE 0 0 204,368
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 19,557 618,896 SH   SOLE NONE 0 0 618,896
SCHWAB STRATEGIC TR US TIPS ETF 808524870 32,400 529,926 SH   SOLE NONE 0 0 529,926
SCHWAB STRATEGIC TR US REIT ETF 808524847 12,411 294,245 SH   SOLE NONE 0 0 294,245
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 40,731 753,167 SH   SOLE NONE 0 0 753,167
SPLUNK INC COM 848637104 724 5,005 SH   SOLE NONE 0 0 5,005
ISHARES INC CORE MSCI EMKT 46434G103 3,647 56,679 SH   SOLE NONE 0 0 56,679
ISHARES TR CORE MSCI EAFE 46432F842 2,459 33,308 SH   SOLE NONE 0 0 33,308
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 21,553 276,279 SH   SOLE NONE 0 0 276,279
ALPHABET INC CAP STK CL C 02079K107 440 195 SH   SOLE NONE 0 0 195
ISHARES TR CORE TOTAL USD 46434V613 2,099 39,703 SH   SOLE NONE 0 0 39,703
NATERA INC COM 632307104 292 2,812 SH   SOLE NONE 0 0 2,812