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
8X8 INC NEW COM 282914100 315 18,788 SH   SOLE NONE 0 0 18,788
ALPHABET INC CAP STK CL C 02079K107 602 208 SH   SOLE NONE 0 0 208
ALPHABET INC CAP STK CL A 02079K305 440 152 SH   SOLE NONE 0 0 152
APPLE INC COM 037833100 1,131 6,368 SH   SOLE NONE 0 0 6,368
BECTON DICKINSON & CO COM 075887109 303 1,204 SH   SOLE NONE 0 0 1,204
CATERPILLAR INC COM 149123101 397 1,920 SH   SOLE NONE 0 0 1,920
CHURCH & DWIGHT CO INC COM 171340102 1,665 16,240 SH   SOLE NONE 0 0 16,240
CINCINNATI FINL CORP COM 172062101 1,648 14,464 SH   SOLE NONE 0 0 14,464
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 4,786 165,200 SH   SOLE NONE 0 0 165,200
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 10,798 227,237 SH   SOLE NONE 0 0 227,237
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 25,688 983,854 SH   SOLE NONE 0 0 983,854
DOLBY LABORATORIES INC COM CL A 25659T107 639 6,713 SH   SOLE NONE 0 0 6,713
INTUIT COM 461202103 486 755 SH   SOLE NONE 0 0 755
ISHARES INC CORE MSCI EMKT 46434G103 3,435 57,392 SH   SOLE NONE 0 0 57,392
ISHARES TR CORE MSCI EAFE 46432F842 2,257 30,243 SH   SOLE NONE 0 0 30,243
ISHARES TR CORE TOTAL USD 46434V613 2,101 39,703 SH   SOLE NONE 0 0 39,703
ISHARES TR IBOXX HI YD ETF 464288513 16,002 183,907 SH   SOLE NONE 0 0 183,907
ISHARES TR ISHS 1-5YR INVS 464288646 2,942 54,603 SH   SOLE NONE 0 0 54,603
ISHARES TR JPMORGAN USD EMG 464288281 603 5,530 SH   SOLE NONE 0 0 5,530
ISHARES TR RUS MID CAP ETF 464287499 692 8,336 SH   SOLE NONE 0 0 8,336
ISHARES TR RUS MD CP GR ETF 464287481 704 6,107 SH   SOLE NONE 0 0 6,107
ISHARES TR CORE S&P SCP ETF 464287804 3,268 28,540 SH   SOLE NONE 0 0 28,540
ISHARES TR CORE S&P500 ETF 464287200 5,897 12,362 SH   SOLE NONE 0 0 12,362
ISHARES TR S&P 500 GRWT ETF 464287309 650 7,763 SH   SOLE NONE 0 0 7,763
ISHARES TR RUS 1000 GRW ETF 464287614 549 1,796 SH   SOLE NONE 0 0 1,796
ISHARES TR U.S. REAL ES ETF 464287739 2,914 25,094 SH   SOLE NONE 0 0 25,094
ISHARES TR MSCI EAFE ETF 464287465 1,254 15,936 SH   SOLE NONE 0 0 15,936
ISHARES TR CORE US AGGBD ET 464287226 12,963 113,634 SH   SOLE NONE 0 0 113,634
ISHARES TR TIPS BD ETF 464287176 4,719 36,525 SH   SOLE NONE 0 0 36,525
ISHARES TR EXPANDED TECH 464287515 333 838 SH   SOLE NONE 0 0 838
JPMORGAN CHASE & CO COM 46625H100 255 1,610 SH   SOLE NONE 0 0 1,610
LINDE PLC SHS G5494J103 228 657 SH   SOLE NONE 0 0 657
LOCKHEED MARTIN CORP COM 539830109 367 1,034 SH   SOLE NONE 0 0 1,034
MICROSOFT CORP COM 594918104 508 1,511 SH   SOLE NONE 0 0 1,511
NATERA INC COM 632307104 263 2,812 SH   SOLE NONE 0 0 2,812
NVIDIA CORPORATION COM 67066G104 1,518 5,160 SH   SOLE NONE 0 0 5,160
ORACLE CORP COM 68389X105 220 2,525 SH   SOLE NONE 0 0 2,525
PAYPAL HLDGS INC COM 70450Y103 377 1,998 SH   SOLE NONE 0 0 1,998
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 583 17,947 SH   SOLE NONE 0 0 17,947
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 225 1,993 SH   SOLE NONE 0 0 1,993
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 19,956 513,401 SH   SOLE NONE 0 0 513,401
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 122,865 1,079,470 SH   SOLE NONE 0 0 1,079,470
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 19,216 187,658 SH   SOLE NONE 0 0 187,658
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 21,711 732,969 SH   SOLE NONE 0 0 732,969
SCHWAB STRATEGIC TR US TIPS ETF 808524870 40,693 647,043 SH   SOLE NONE 0 0 647,043
SCHWAB STRATEGIC TR US REIT ETF 808524847 16,965 321,971 SH   SOLE NONE 0 0 321,971
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 50,612 938,991 SH   SOLE NONE 0 0 938,991
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 398 10,189 SH   SOLE NONE 0 0 10,189
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 337 2,394 SH   SOLE NONE 0 0 2,394
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 373 1,826 SH   SOLE NONE 0 0 1,826
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,541 13,771 SH   SOLE NONE 0 0 13,771
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 255 493 SH   SOLE NONE 0 0 493
SPLUNK INC COM 848637104 531 4,587 SH   SOLE NONE 0 0 4,587
UNITEDHEALTH GROUP INC COM 91324P102 217 432 SH   SOLE NONE 0 0 432
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,184 13,976 SH   SOLE NONE 0 0 13,976
VANGUARD INDEX FDS LARGE CAP ETF 922908637 8,129 36,780 SH   SOLE NONE 0 0 36,780
VANGUARD INDEX FDS TOTAL STK MKT 922908769 947 3,923 SH   SOLE NONE 0 0 3,923
VANGUARD INDEX FDS VALUE ETF 922908744 618 4,199 SH   SOLE NONE 0 0 4,199
VANGUARD INDEX FDS SM CP VAL ETF 922908611 290 1,624 SH   SOLE NONE 0 0 1,624
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,990 25,769 SH   SOLE NONE 0 0 25,769
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,153 31,650 SH   SOLE NONE 0 0 31,650
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 394 5,056 SH   SOLE NONE 0 0 5,056
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,840 138,300 SH   SOLE NONE 0 0 138,300
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 302 4,927 SH   SOLE NONE 0 0 4,927
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 574 8,405 SH   SOLE NONE 0 0 8,405
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 64,304 791,337 SH   SOLE NONE 0 0 791,337
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,707 72,594 SH   SOLE NONE 0 0 72,594
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 26,934 346,819 SH   SOLE NONE 0 0 346,819