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 48 16,724 SH   SOLE NONE 0 0 16,724
8X8 INC NEW COM 282914100 65 18,788 SH   SOLE NONE 0 0 18,788
ALPHABET INC CAP STK CL C 02079K107 552 5,740 SH   SOLE NONE 0 0 5,740
ALPHABET INC CAP STK CL A 02079K305 384 4,019 SH   SOLE NONE 0 0 4,019
AMAZON COM INC COM 023135106 318 2,811 SH   SOLE NONE 0 0 2,811
APPLE INC COM 037833100 3,126 22,622 SH   SOLE NONE 0 0 22,622
BECTON DICKINSON CO COM 075887109 279 1,254 SH   SOLE NONE 0 0 1,254
CATERPILLAR INC COM 149123101 411 2,506 SH   SOLE NONE 0 0 2,506
CHURCH DWIGHT CO INC COM 171340102 1,089 15,240 SH   SOLE NONE 0 0 15,240
CINCINNATI FINL CORP COM 172062101 1,296 14,464 SH   SOLE NONE 0 0 14,464
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 3,730 167,731 SH   SOLE NONE 0 0 167,731
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 9,729 249,646 SH   SOLE NONE 0 0 249,646
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 21,074 1,115,591 SH   SOLE NONE 0 0 1,115,591
DOLBY LABORATORIES INC COM CL A 25659T107 413 6,338 SH   SOLE NONE 0 0 6,338
EXXON MOBIL CORP COM 30231G102 206 2,355 SH   SOLE NONE 0 0 2,355
GRAINGER W W INC COM 384802104 540 1,104 SH   SOLE NONE 0 0 1,104
HOME DEPOT INC COM 437076102 213 772 SH   SOLE NONE 0 0 772
INTERNATIONAL BUSINESS MACHS COM 459200101 229 1,927 SH   SOLE NONE 0 0 1,927
INTUIT COM 461202103 303 783 SH   SOLE NONE 0 0 783
ISHARES INC CORE MSCI EMKT 46434G103 1,892 44,013 SH   SOLE NONE 0 0 44,013
ISHARES TR CORE MSCI EAFE 46432F842 1,295 24,583 SH   SOLE NONE 0 0 24,583
ISHARES TR IBOXX HI YD ETF 464288513 10,539 147,624 SH   SOLE NONE 0 0 147,624
ISHARES TR ISHS 1-5YR INVS 464288646 11,952 242,534 SH   SOLE NONE 0 0 242,534
ISHARES TR JPMORGAN USD EMG 464288281 4,424 55,720 SH   SOLE NONE 0 0 55,720
ISHARES TR CORE US AGGBD ET 464287226 4,891 50,769 SH   SOLE NONE 0 0 50,769
ISHARES TR TIPS BD ETF 464287176 9,366 89,286 SH   SOLE NONE 0 0 89,286
ISHARES TR RUS MID CAP ETF 464287499 665 10,704 SH   SOLE NONE 0 0 10,704
ISHARES TR RUS MD CP GR ETF 464287481 479 6,107 SH   SOLE NONE 0 0 6,107
ISHARES TR MSCI EAFE ETF 464287465 639 11,416 SH   SOLE NONE 0 0 11,416
ISHARES TR CORE S&P SCP ETF 464287804 2,043 23,429 SH   SOLE NONE 0 0 23,429
ISHARES TR CORE S&P500 ETF 464287200 3,717 10,365 SH   SOLE NONE 0 0 10,365
ISHARES TR S&P 500 GRWT ETF 464287309 505 8,733 SH   SOLE NONE 0 0 8,733
ISHARES TR RUS 1000 GRW ETF 464287614 333 1,583 SH   SOLE NONE 0 0 1,583
ISHARES TR U.S. REAL ES ETF 464287739 1,485 18,239 SH   SOLE NONE 0 0 18,239
JPMORGAN CHASE CO COM 46625H100 299 2,866 SH   SOLE NONE 0 0 2,866
LOCKHEED MARTIN CORP COM 539830109 344 890 SH   SOLE NONE 0 0 890
MICROSOFT CORP COM 594918104 549 2,358 SH   SOLE NONE 0 0 2,358
NVIDIA CORPORATION COM 67066G104 668 5,501 SH   SOLE NONE 0 0 5,501
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 14,989 532,840 SH   SOLE NONE 0 0 532,840
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 84,248 1,989,326 SH   SOLE NONE 0 0 1,989,326
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 12,766 337,725 SH   SOLE NONE 0 0 337,725
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 18,199 812,459 SH   SOLE NONE 0 0 812,459
SCHWAB STRATEGIC TR US TIPS ETF 808524870 26,781 517,007 SH   SOLE NONE 0 0 517,007
SCHWAB STRATEGIC TR US REIT ETF 808524847 11,519 616,332 SH   SOLE NONE 0 0 616,332
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 39,197 865,091 SH   SOLE NONE 0 0 865,091
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 5,756 228,863 SH   SOLE NONE 0 0 228,863
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 309 10,189 SH   SOLE NONE 0 0 10,189
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 290 2,394 SH   SOLE NONE 0 0 2,394
SPDR SP 500 ETF TR TR UNIT 78462F103 3,984 11,153 SH   SOLE NONE 0 0 11,153
SPDR SER TR BLOOMBERG HIGH Y 78468R622 2,194 24,970 SH   SOLE NONE 0 0 24,970
SPLUNK INC COM 848637104 304 4,038 SH   SOLE NONE 0 0 4,038
UNITEDHEALTH GROUP INC COM 91324P102 252 498 SH   SOLE NONE 0 0 498
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 11,237 157,542 SH   SOLE NONE 0 0 157,542
VANGUARD INDEX FDS LARGE CAP ETF 922908637 12,148 74,274 SH   SOLE NONE 0 0 74,274
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,370 7,631 SH   SOLE NONE 0 0 7,631
VANGUARD INDEX FDS VALUE ETF 922908744 518 4,199 SH   SOLE NONE 0 0 4,199
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,950 13,598 SH   SOLE NONE 0 0 13,598
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,162 39,437 SH   SOLE NONE 0 0 39,437
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,644 38,874 SH   SOLE NONE 0 0 38,874
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 290 5,056 SH   SOLE NONE 0 0 5,056
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,835 159,911 SH   SOLE NONE 0 0 159,911
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 388 8,405 SH   SOLE NONE 0 0 8,405
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 44,722 602,074 SH   SOLE NONE 0 0 602,074
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 4,705 129,407 SH   SOLE NONE 0 0 129,407
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 17,114 297,692 SH   SOLE NONE 0 0 297,692