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 3,975 36,402 SH   SOLE NONE 0 0 36,402
ISHARES TR CORE S&P500 ETF 464287200 6,859 15,921 SH   SOLE NONE 0 0 15,921
ISHARES TR S&P 500 GRWT ETF 464287309 578 7,821 SH   SOLE NONE 0 0 7,821
ISHARES TR RUS 1000 GRW ETF 464287614 492 1,796 SH   SOLE NONE 0 0 1,796
ISHARES TR U.S. REAL ES ETF 464287739 2,896 28,286 SH   SOLE NONE 0 0 28,286
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 237 493 SH   SOLE NONE 0 0 493
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,738 15,701 SH   SOLE NONE 0 0 15,701
AMAZON COM INC COM 023135106 213 65 SH   SOLE NONE 0 0 65
ORACLE CORP COM 68389X105 220 2,525 SH   SOLE NONE 0 0 2,525
ISHARES TR MSCI EAFE ETF 464287465 1,257 16,120 SH   SOLE NONE 0 0 16,120
MICROSOFT CORP COM 594918104 426 1,511 SH   SOLE NONE 0 0 1,511
CISCO SYS INC COM 17275R102 226 4,143 SH   SOLE NONE 0 0 4,143
LOCKHEED MARTIN CORP COM 539830109 363 1,051 SH   SOLE NONE 0 0 1,051
ISHARES TR RUS MID CAP ETF 464287499 652 8,336 SH   SOLE NONE 0 0 8,336
ISHARES TR RUS MD CP GR ETF 464287481 740 6,607 SH   SOLE NONE 0 0 6,607
SELECT SECTOR SPDR TR ENERGY 81369Y506 260 5,000 SH   SOLE NONE 0 0 5,000
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 382 10,189 SH   SOLE NONE 0 0 10,189
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 305 2,394 SH   SOLE NONE 0 0 2,394
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 328 1,826 SH   SOLE NONE 0 0 1,826
ISHARES TR EXPND TEC SC ETF 464287549 341 845 SH   SOLE NONE 0 0 845
JPMORGAN CHASE & CO COM 46625H100 264 1,610 SH   SOLE NONE 0 0 1,610
INTUIT COM 461202103 407 755 SH   SOLE NONE 0 0 755
VANGUARD INDEX FDS TOTAL STK MKT 922908769 944 4,251 SH   SOLE NONE 0 0 4,251
APPLE INC COM 037833100 1,038 7,339 SH   SOLE NONE 0 0 7,339
CATERPILLAR INC COM 149123101 369 1,920 SH   SOLE NONE 0 0 1,920
ISHARES TR EXPANDED TECH 464287515 334 838 SH   SOLE NONE 0 0 838
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,957 119,119 SH   SOLE NONE 0 0 119,119
ISHARES TR CORE US AGGBD ET 464287226 13,172 114,707 SH   SOLE NONE 0 0 114,707
ISHARES TR TIPS BD ETF 464287176 4,708 36,869 SH   SOLE NONE 0 0 36,869
NVIDIA CORPORATION COM 67066G104 1,069 5,160 SH   SOLE NONE 0 0 5,160
CHURCH & DWIGHT INC COM 171340102 1,341 16,240 SH   SOLE NONE 0 0 16,240
CINCINNATI FINL CORP COM 172062101 1,652 14,464 SH   SOLE NONE 0 0 14,464
BECTON DICKINSON & CO COM 075887109 296 1,204 SH   SOLE NONE 0 0 1,204
ALPHABET INC CAP STK CL A 02079K305 425 159 SH   SOLE NONE 0 0 159
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 410 5,056 SH   SOLE NONE 0 0 5,056
VANGUARD INDEX FDS VALUE ETF 922908744 568 4,199 SH   SOLE NONE 0 0 4,199
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,744 26,964 SH   SOLE NONE 0 0 26,964
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,934 36,283 SH   SOLE NONE 0 0 36,283
8X8 INC NEW COM 282914100 439 18,788 SH   SOLE NONE 0 0 18,788
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 551 8,405 SH   SOLE NONE 0 0 8,405
DOLBY LABORATORIES INC COM CL A 25659T107 595 6,763 SH   SOLE NONE 0 0 6,763
VANGUARD INDEX FDS LARGE CAP ETF 922908637 8,569 42,647 SH   SOLE NONE 0 0 42,647
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 300 4,927 SH   SOLE NONE 0 0 4,927
ISHARES TR IBOXX HI YD ETF 464288513 14,983 171,258 SH   SOLE NONE 0 0 171,258
ISHARES TR ISHS 1-5YR INVS 464288646 1,398 25,591 SH   SOLE NONE 0 0 25,591
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,735 73,973 SH   SOLE NONE 0 0 73,973
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 259 2,495 SH   SOLE NONE 0 0 2,495
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 18,875 487,733 SH   SOLE NONE 0 0 487,733
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 140,279 1,348,449 SH   SOLE NONE 0 0 1,348,449
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 63,504 770,588 SH   SOLE NONE 0 0 770,588
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 22,938 229,154 SH   SOLE NONE 0 0 229,154
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 20,505 672,741 SH   SOLE NONE 0 0 672,741
SCHWAB STRATEGIC TR US TIPS ETF 808524870 37,336 596,615 SH   SOLE NONE 0 0 596,615
SCHWAB STRATEGIC TR US REIT ETF 808524847 15,113 330,844 SH   SOLE NONE 0 0 330,844
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 48,704 897,598 SH   SOLE NONE 0 0 897,598
SPLUNK INC COM 848637104 664 4,587 SH   SOLE NONE 0 0 4,587
ISHARES INC CORE MSCI EMKT 46434G103 3,619 58,598 SH   SOLE NONE 0 0 58,598
ISHARES TR CORE MSCI EAFE 46432F842 2,372 31,941 SH   SOLE NONE 0 0 31,941
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 24,981 319,041 SH   SOLE NONE 0 0 319,041
ALPHABET INC CAP STK CL C 02079K107 554 208 SH   SOLE NONE 0 0 208
ISHARES TR CORE TOTAL USD 46434V613 2,114 39,703 SH   SOLE NONE 0 0 39,703
NATERA INC COM 632307104 313 2,812 SH   SOLE NONE 0 0 2,812
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 2,138 42,647 SH   SOLE NONE 0 0 42,647
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 4,756 179,014 SH   SOLE NONE 0 0 179,014