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
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 299 1,401 SH   SOLE   0 0 1,401
ISHARES INC CORE MSCI EMKT 46434G103 5,729 111,375 SH   SOLE   0 0 111,375
ISHARES TR CORE S&P MCP ETF 464287507 45,307 233,228 SH   SOLE   0 0 233,228
ISHARES TR S&P MC 400VL ETF 464287705 14,744 92,457 SH   SOLE   0 0 92,457
ISHARES TR CORE S&P SCP ETF 464287804 12,936 165,257 SH   SOLE   0 0 165,257
ISHARES TR SP SMCP600VL ETF 464287879 9,006 60,598 SH   SOLE   0 0 60,598
ISHARES TR S&P 500 VAL ETF 464287408 20,764 178,123 SH   SOLE   0 0 178,123
ISHARES TR CORE S&P500 ETF 464287200 12,225 41,475 SH   SOLE   0 0 41,475
ISHARES TR RUS 1000 VAL ETF 464287598 427 3,357 SH   SOLE   0 0 3,357
ISHARES TR RUS 2000 VAL ETF 464287630 547 4,542 SH   SOLE   0 0 4,542
ISHARES TR RUSSELL 3000 ETF 464287689 3,687 21,394 SH   SOLE   0 0 21,394
ISHARES TR CORE S&P US VLU 464287663 2,345 41,397 SH   SOLE   0 0 41,397
ISHARES TR MSCI EAFE ETF 464287465 3,243 49,337 SH   SOLE   0 0 49,337
ISHARES TR RUS MID CAP ETF 464287499 268 4,803 SH   SOLE   0 0 4,803
ISHARES TR 1 3 YR TREAS BD 464287457 397 4,688 SH   SOLE   0 0 4,688
ISHARES TR IBOXX INV CP ETF 464287242 763 6,134 SH   SOLE   0 0 6,134
ISHARES TR CORE US AGGBD ET 464287226 1,818 16,323 SH   SOLE   0 0 16,323
ISHARES TR TIPS BD ETF 464287176 3,766 32,605 SH   SOLE   0 0 32,605
ISHARES TR EAFE VALUE ETF 464288877 5,873 122,176 SH   SOLE   0 0 122,176
ISHARES TR SH TR CRPORT ETF 464288646 5,647 105,678 SH   SOLE   0 0 105,678
ISHARES TR NATIONAL MUN ETF 464288414 1,597 14,121 SH   SOLE   0 0 14,121
ISHARES TR INTRM TR CRP ETF 464288638 2,244 39,395 SH   SOLE   0 0 39,395
ISHARES TR EAFE SML CP ETF 464288273 4,130 71,955 SH   SOLE   0 0 71,955
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,038 10,317 SH   SOLE   0 0 10,317
ISHARES TR CORE MSCI TOTAL 46432F834 586 10,000 SH   SOLE   0 0 10,000
ISHARES TR USA QUALITY FCTR 46432F339 520 5,686 SH   SOLE   0 0 5,686
ISHARES TR IBONDS DEC20 ETF 46434VAQ3 5,234 206,554 SH   SOLE   0 0 206,554
ISHARES TR IBONDS DEC21 ETF 46434VBK5 8,602 345,066 SH   SOLE   0 0 345,066
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,395 105,805 SH   SOLE   0 0 105,805
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,371 19,174 SH   SOLE   0 0 19,174
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 370 4,451 SH   SOLE   0 0 4,451
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 771 15,233 SH   SOLE   0 0 15,233
SCHWAB STRATEGIC TR US TIPS ETF 808524870 8,392 149,025 SH   SOLE   0 0 149,025
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 223 3,903 SH   SOLE   0 0 3,903
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 739 13,945 SH   SOLE   0 0 13,945
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 879 28,169 SH   SOLE   0 0 28,169
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426 2,191 36,907 SH   SOLE   0 0 36,907
SPDR S&P 500 ETF TR TR UNIT 78462F103 32,697 111,594 SH   SOLE   0 0 111,594
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 8,146 22,972 SH   SOLE   0 0 22,972
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 3,725 61,388 SH   SOLE   0 0 61,388
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 37,325 1,193,242 SH   SOLE   0 0 1,193,242
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 4,355 84,776 SH   SOLE   0 0 84,776
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 442 12,965 SH   SOLE   0 0 12,965
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 1,294 44,372 SH   SOLE   0 0 44,372
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 355 2,702 SH   SOLE   0 0 2,702
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 18,329 149,150 SH   SOLE   0 0 149,150
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 18,757 166,866 SH   SOLE   0 0 166,866
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 40,294 500,357 SH   SOLE   0 0 500,357
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 42,455 511,070 SH   SOLE   0 0 511,070
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 3,854 67,252 SH   SOLE   0 0 67,252
VANGUARD GROUP DIV APP ETF 921908844 530 4,602 SH   SOLE   0 0 4,602
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,223 8,149 SH   SOLE   0 0 8,149
VANGUARD INDEX FDS VALUE ETF 922908744 537 4,843 SH   SOLE   0 0 4,843
VANGUARD INDEX FDS MID CAP ETF 922908629 2,306 13,795 SH   SOLE   0 0 13,795
VANGUARD INDEX FDS SM CP VAL ETF 922908611 276 2,112 SH   SOLE   0 0 2,112
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 16,913 193,516 SH   SOLE   0 0 193,516
VANGUARD INDEX FDS LARGE CAP ETF 922908637 340 2,523 SH   SOLE   0 0 2,523
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,772 24,898 SH   SOLE   0 0 24,898
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 31,339 116,437 SH   SOLE   0 0 116,437
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 289 2,744 SH   SOLE   0 0 2,744
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 710 9,444 SH   SOLE   0 0 9,444
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 24,195 490,569 SH   SOLE   0 0 490,569
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 14,793 164,641 SH   SOLE   0 0 164,641
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 750 9,290 SH   SOLE   0 0 9,290
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 9,974 239,137 SH   SOLE   0 0 239,137