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
INVESCO QQQ TR UNIT SER 1 46090E103 476 2,498 SH   SOLE   0 0 2,498
ISHARES INC CORE MSCI EMKT 46434G103 5,694 140,702 SH   SOLE   0 0 140,702
ISHARES TR CORE S&P MCP ETF 464287507 24,497 170,282 SH   SOLE   0 0 170,282
ISHARES TR S&P MC 400VL ETF 464287705 8,076 73,582 SH   SOLE   0 0 73,582
ISHARES TR CORE S&P SCP ETF 464287804 6,553 116,784 SH   SOLE   0 0 116,784
ISHARES TR SP SMCP600VL ETF 464287879 3,405 34,074 SH   SOLE   0 0 34,074
ISHARES TR S&P 500 VAL ETF 464287408 14,937 155,187 SH   SOLE   0 0 155,187
ISHARES TR CORE S&P500 ETF 464287200 8,166 31,601 SH   SOLE   0 0 31,601
ISHARES TR RUS 1000 VAL ETF 464287598 347 3,497 SH   SOLE   0 0 3,497
ISHARES TR RUS 2000 VAL ETF 464287630 373 4,542 SH   SOLE   0 0 4,542
ISHARES TR RUSSELL 3000 ETF 464287689 3,173 21,394 SH   SOLE   0 0 21,394
ISHARES TR CORE S&P US VLU 464287663 7,918 171,451 SH   SOLE   0 0 171,451
ISHARES TR MSCI EAFE ETF 464287465 958 17,917 SH   SOLE   0 0 17,917
ISHARES TR RUS MID CAP ETF 464287499 204 4,719 SH   SOLE   0 0 4,719
ISHARES TR 1 3 YR TREAS BD 464287457 272 3,137 SH   SOLE   0 0 3,137
ISHARES TR IBOXX INV CP ETF 464287242 542 4,387 SH   SOLE   0 0 4,387
ISHARES TR CORE US AGGBD ET 464287226 1,914 16,593 SH   SOLE   0 0 16,593
ISHARES TR TIPS BD ETF 464287176 3,751 31,813 SH   SOLE   0 0 31,813
ISHARES TR EAFE VALUE ETF 464288877 1,353 37,911 SH   SOLE   0 0 37,911
ISHARES TR SH TR CRPORT ETF 464288646 15,023 286,908 SH   SOLE   0 0 286,908
ISHARES TR NATIONAL MUN ETF 464288414 6,294 55,691 SH   SOLE   0 0 55,691
ISHARES TR INTRM TR CRP ETF 464288638 1,756 31,973 SH   SOLE   0 0 31,973
ISHARES TR CORE MSCI TOTAL 46432F834 470 10,000 SH   SOLE   0 0 10,000
ISHARES TR IBONDS DEC20 ETF 46434VAQ3 2,425 96,185 SH   SOLE   0 0 96,185
ISHARES TR IBONDS DEC21 ETF 46434VBK5 6,198 251,447 SH   SOLE   0 0 251,447
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,802 29,427 SH   SOLE   0 0 29,427
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6,296 122,199 SH   SOLE   0 0 122,199
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 348 4,373 SH   SOLE   0 0 4,373
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 681 13,171 SH   SOLE   0 0 13,171
SCHWAB STRATEGIC TR US TIPS ETF 808524870 22,890 398,016 SH   SOLE   0 0 398,016
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,358 41,487 SH   SOLE   0 0 41,487
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 11,042 261,896 SH   SOLE   0 0 261,896
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 838 15,450 SH   SOLE   0 0 15,450
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 376 18,310 SH   SOLE   0 0 18,310
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 10,238 486,837 SH   SOLE   0 0 486,837
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426 281 5,999 SH   SOLE   0 0 5,999
SPDR S&P 500 ETF TR TR UNIT 78462F103 26,908 104,397 SH   SOLE   0 0 104,397
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 5,835 22,197 SH   SOLE   0 0 22,197
SPDR SER TR S&P 600 SMCP VAL 78464A300 2,381 58,271 SH   SOLE   0 0 58,271
SPDR SER TR PRTFLO S&P500 VL 78464A508 32,004 1,238,562 SH   SOLE   0 0 1,238,562
SPDR SER TR S&P 400 MDCP VAL 78464A839 5,207 147,687 SH   SOLE   0 0 147,687
SPDR SER TR PORTFOLIO AGRGTE 78464A649 1,554 51,437 SH   SOLE   0 0 51,437
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 6,022 71,378 SH   SOLE   0 0 71,378
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 10,758 115,306 SH   SOLE   0 0 115,306
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 24,829 302,135 SH   SOLE   0 0 302,135
VANGUARD BD INDEX FDS INTERMED TERM 921937819 361 4,045 SH   SOLE   0 0 4,045
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 58,552 686,024 SH   SOLE   0 0 686,024
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 3,193 56,763 SH   SOLE   0 0 56,763
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,012 7,847 SH   SOLE   0 0 7,847
VANGUARD INDEX FDS VALUE ETF 922908744 624 7,009 SH   SOLE   0 0 7,009
VANGUARD INDEX FDS MID CAP ETF 922908629 1,769 13,438 SH   SOLE   0 0 13,438
VANGUARD INDEX FDS SM CP VAL ETF 922908611 5,728 64,509 SH   SOLE   0 0 64,509
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 12,101 173,245 SH   SOLE   0 0 173,245
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 10,582 130,174 SH   SOLE   0 0 130,174
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 29,916 126,322 SH   SOLE   0 0 126,322
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,176 94,651 SH   SOLE   0 0 94,651
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 746 11,885 SH   SOLE   0 0 11,885
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 13,221 271,365 SH   SOLE   0 0 271,365
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 7,119 81,745 SH   SOLE   0 0 81,745
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,747 47,375 SH   SOLE   0 0 47,375
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,706 51,173 SH   SOLE   0 0 51,173