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&P500 ETF 464287200 15,188 55,624 SH   SOLE   0 0 55,624
ISHARES TR CORE S&P MCP ETF 464287507 24,281 124,629 SH   SOLE   0 0 124,629
ISHARES TR S&P MC 400GR ETF 464287606 286 1,272 SH   SOLE   0 0 1,272
ISHARES TR CORE S&P SCP ETF 464287804 10,381 124,412 SH   SOLE   0 0 124,412
ISHARES TR S&P SML 600 GWT 464287887 233 1,233 SH   SOLE   0 0 1,233
ISHARES TR SHRT NAT MUN ETF 464288158 4,005 38,142 SH   SOLE   0 0 38,142
ISHARES TR EAFE VALUE ETF 464288877 12,138 236,477 SH   SOLE   0 0 236,477
ISHARES TR EAFE GRWTH ETF 464288885 1,334 16,896 SH   SOLE   0 0 16,896
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 20,365 313,398 SH   SOLE   0 0 313,398
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,784 63,117 SH   SOLE   0 0 63,117
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,612 49,177 SH   SOLE   0 0 49,177
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 7,069 128,843 SH   SOLE   0 0 128,843
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,675 63,579 SH   SOLE   0 0 63,579
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 8,541 329,945 SH   SOLE   0 0 329,945
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 6,423 232,029 SH   SOLE   0 0 232,029
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 4,280 122,873 SH   SOLE   0 0 122,873
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 11,880 402,124 SH   SOLE   0 0 402,124
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 5,395 135,073 SH   SOLE   0 0 135,073
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 221 4,480 SH   SOLE   0 0 4,480
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 12,262 370,706 SH   SOLE   0 0 370,706
SCHWAB STRATEGIC TR US REIT ETF 808524847 9,233 221,031 SH   SOLE   0 0 221,031
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 11,839 226,222 SH   SOLE   0 0 226,222
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 14,762 297,018 SH   SOLE   0 0 297,018
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 17,912 496,553 SH   SOLE   0 0 496,553
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 8,569 180,599 SH   SOLE   0 0 180,599
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 583 15,726 SH   SOLE   0 0 15,726
SPDR SER TR BLOMBERG BRC INV 78468R200 8,370 272,193 SH   SOLE   0 0 272,193
SPDR SERIES TRUST BLOMBRG BRC INTL 78464A151 14,516 429,194 SH   SOLE   0 0 429,194
SPDR SERIES TRUST BLOMBERG BRC INT 78464A334 14,356 458,563 SH   SOLE   0 0 458,563
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 1,047 7,178 SH   SOLE   0 0 7,178
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 539 5,072 SH   SOLE   0 0 5,072
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 5,356 43,112 SH   SOLE   0 0 43,112
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869 3,714 26,675 SH   SOLE   0 0 26,675
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 659 5,010 SH   SOLE   0 0 5,010
VANGUARD GROUP DIV APP ETF 921908844 303 2,980 SH   SOLE   0 0 2,980
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 11,668 105,612 SH   SOLE   0 0 105,612
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,866 13,881 SH   SOLE   0 0 13,881
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,349 13,370 SH   SOLE   0 0 13,370
VANGUARD INDEX FDS SM CP VAL ETF 922908611 14,894 109,717 SH   SOLE   0 0 109,717
VANGUARD INDEX FDS GROWTH ETF 922908736 295 1,970 SH   SOLE   0 0 1,970
VANGUARD INDEX FDS VALUE ETF 922908744 10,263 98,847 SH   SOLE   0 0 98,847
VANGUARD INDEX FDS SMALL CP ETF 922908751 497 3,190 SH   SOLE   0 0 3,190
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,552 13,467 SH   SOLE   0 0 13,467
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,581 84,878 SH   SOLE   0 0 84,878
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 295 3,790 SH   SOLE   0 0 3,790
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 3,505 23,659 SH   SOLE   0 0 23,659
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 4,085 35,727 SH   SOLE   0 0 35,727
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,054 24,556 SH   SOLE   0 0 24,556