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
23ANDME HOLDING CO CLASS A COM 90138Q108 41 16,724 SH   SOLE NONE 0 0 16,724
8X8 INC NEW COM 282914100 97 18,788 SH   SOLE NONE 0 0 18,788
ALPHABET INC CAP STK CL A 02079K305 364 167 SH   SOLE NONE 0 0 167
ALPHABET INC CAP STK CL C 02079K107 523 239 SH   SOLE NONE 0 0 239
APPLE INC COM 037833100 757 5,534 SH   SOLE NONE 0 0 5,534
BECTON DICKINSON CO COM 075887109 284 1,154 SH   SOLE NONE 0 0 1,154
CATERPILLAR INC COM 149123101 356 1,990 SH   SOLE NONE 0 0 1,990
CHURCH DWIGHT CO INC COM 171340102 1,412 15,240 SH   SOLE NONE 0 0 15,240
CINCINNATI FINL CORP COM 172062101 1,721 14,464 SH   SOLE NONE 0 0 14,464
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 3,804 163,248 SH   SOLE NONE 0 0 163,248
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 10,308 256,286 SH   SOLE NONE 0 0 256,286
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 21,415 998,833 SH   SOLE NONE 0 0 998,833
DOLBY LABORATORIES INC COM CL A 25659T107 480 6,713 SH   SOLE NONE 0 0 6,713
EXXON MOBIL CORP COM 30231G102 202 2,355 SH   SOLE NONE 0 0 2,355
GRAINGER W W INC COM 384802104 499 1,099 SH   SOLE NONE 0 0 1,099
INTUIT COM 461202103 300 779 SH   SOLE NONE 0 0 779
ISHARES INC CORE MSCI EMKT 46434G103 2,496 50,880 SH   SOLE NONE 0 0 50,880
ISHARES TR CORE MSCI EAFE 46432F842 1,582 26,888 SH   SOLE NONE 0 0 26,888
ISHARES TR IBOXX HI YD ETF 464288513 11,095 150,726 SH   SOLE NONE 0 0 150,726
ISHARES TR ISHS 1-5YR INVS 464288646 13,302 263,150 SH   SOLE NONE 0 0 263,150
ISHARES TR JPMORGAN USD EMG 464288281 4,209 49,335 SH   SOLE NONE 0 0 49,335
ISHARES TR CORE TOTAL USD 46434V613 942 20,111 SH   SOLE NONE 0 0 20,111
ISHARES TR RUS MID CAP ETF 464287499 539 8,336 SH   SOLE NONE 0 0 8,336
ISHARES TR RUS MD CP GR ETF 464287481 484 6,107 SH   SOLE NONE 0 0 6,107
ISHARES TR MSCI EAFE ETF 464287465 711 11,383 SH   SOLE NONE 0 0 11,383
ISHARES TR CORE S&P SCP ETF 464287804 2,273 24,596 SH   SOLE NONE 0 0 24,596
ISHARES TR CORE S&P500 ETF 464287200 4,331 11,424 SH   SOLE NONE 0 0 11,424
ISHARES TR S&P 500 GRWT ETF 464287309 468 7,763 SH   SOLE NONE 0 0 7,763
ISHARES TR RUS 1000 GRW ETF 464287614 393 1,796 SH   SOLE NONE 0 0 1,796
ISHARES TR U.S. REAL ES ETF 464287739 1,855 20,163 SH   SOLE NONE 0 0 20,163
ISHARES TR CORE US AGGBD ET 464287226 6,989 68,730 SH   SOLE NONE 0 0 68,730
ISHARES TR TIPS BD ETF 464287176 9,939 87,256 SH   SOLE NONE 0 0 87,256
LOCKHEED MARTIN CORP COM 539830109 384 894 SH   SOLE NONE 0 0 894
MICROSOFT CORP COM 594918104 434 1,690 SH   SOLE NONE 0 0 1,690
NVIDIA CORPORATION COM 67066G104 787 5,189 SH   SOLE NONE 0 0 5,189
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 15,867 504,516 SH   SOLE NONE 0 0 504,516
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 86,909 1,946,010 SH   SOLE NONE 0 0 1,946,010
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 6,706 236,876 SH   SOLE NONE 0 0 236,876
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 14,084 361,229 SH   SOLE NONE 0 0 361,229
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 19,636 773,687 SH   SOLE NONE 0 0 773,687
SCHWAB STRATEGIC TR US TIPS ETF 808524870 29,284 524,810 SH   SOLE NONE 0 0 524,810
SCHWAB STRATEGIC TR US REIT ETF 808524847 12,526 593,915 SH   SOLE NONE 0 0 593,915
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 39,241 819,742 SH   SOLE NONE 0 0 819,742
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 320 10,189 SH   SOLE NONE 0 0 10,189
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 307 2,394 SH   SOLE NONE 0 0 2,394
SPDR SP 500 ETF TR TR UNIT 78462F103 4,712 12,491 SH   SOLE NONE 0 0 12,491
SPDR SP MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 204 493 SH   SOLE NONE 0 0 493
SPDR SER TR BLOOMBERG HIGH Y 78468R622 2,018 22,251 SH   SOLE NONE 0 0 22,251
SPLUNK INC COM 848637104 378 4,268 SH   SOLE NONE 0 0 4,268
UNITEDHEALTH GROUP INC COM 91324P102 222 432 SH   SOLE NONE 0 0 432
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 11,742 156,015 SH   SOLE NONE 0 0 156,015
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,507 13,292 SH   SOLE NONE 0 0 13,292
VANGUARD INDEX FDS LARGE CAP ETF 922908637 10,354 60,077 SH   SOLE NONE 0 0 60,077
VANGUARD INDEX FDS VALUE ETF 922908744 554 4,199 SH   SOLE NONE 0 0 4,199
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,245 8,313 SH   SOLE NONE 0 0 8,313
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,428 37,621 SH   SOLE NONE 0 0 37,621
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,658 32,130 SH   SOLE NONE 0 0 32,130
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 246 4,927 SH   SOLE NONE 0 0 4,927
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 444 8,405 SH   SOLE NONE 0 0 8,405
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,323 151,814 SH   SOLE NONE 0 0 151,814
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 321 5,056 SH   SOLE NONE 0 0 5,056
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 46,701 612,394 SH   SOLE NONE 0 0 612,394
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 4,419 108,302 SH   SOLE NONE 0 0 108,302
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 18,440 300,811 SH   SOLE NONE 0 0 300,811