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
ISHARES INC CORE MSCI EMKT 46434G103 5,269 99,792 SH   SOLE   0 0 99,792
ISHARES TR NATIONAL MUN ETF 464288414 4,610 39,766 SH   SOLE   0 0 39,766
ISHARES TR SHRT NAT MUN ETF 464288158 3,795 35,105 SH   SOLE   0 0 35,105
ISHARES TR TIPS BD ETF 464287176 3,754 29,675 SH   SOLE   0 0 29,675
ISHARES TR RUS 2000 VAL ETF 464287630 451 4,542 SH   SOLE   0 0 4,542
ISHARES TR IBONDS DEC20 ETF 46434VAQ3 1,812 71,832 SH   SOLE   0 0 71,832
ISHARES TR 1 3 YR TREAS BD 464287457 231 2,670 SH   SOLE   0 0 2,670
ISHARES TR RUSSELL 3000 ETF 464287689 3,577 18,277 SH   SOLE   0 0 18,277
ISHARES TR SP SMCP600VL ETF 464287879 3,402 27,788 SH   SOLE   0 0 27,788
ISHARES TR CORE S&P SCP ETF 464287804 10,210 145,378 SH   SOLE   0 0 145,378
ISHARES TR CORE S&P US VLU 464287663 7,218 132,960 SH   SOLE   0 0 132,960
ISHARES TR RUS 1000 VAL ETF 464287598 413 3,497 SH   SOLE   0 0 3,497
ISHARES TR ISHS 5-10YR INVT 464288638 1,697 27,903 SH   SOLE   0 0 27,903
ISHARES TR IBOXX INV CP ETF 464287242 377 2,797 SH   SOLE   0 0 2,797
ISHARES TR CORE US AGGBD ET 464287226 1,616 13,687 SH   SOLE   0 0 13,687
ISHARES TR IBONDS DEC21 ETF 46434VBK5 5,591 223,175 SH   SOLE   0 0 223,175
ISHARES TR CORE S&P MCP ETF 464287507 38,854 209,673 SH   SOLE   0 0 209,673
ISHARES TR RUS MID CAP ETF 464287499 267 4,650 SH   SOLE   0 0 4,650
ISHARES TR S&P 500 VAL ETF 464287408 16,915 150,420 SH   SOLE   0 0 150,420
ISHARES TR S&P MC 400VL ETF 464287705 9,736 72,193 SH   SOLE   0 0 72,193
ISHARES TR ISHS 1-5YR INVS 464288646 19,811 360,784 SH   SOLE   0 0 360,784
ISHARES TR CORE S&P500 ETF 464287200 9,805 29,177 SH   SOLE   0 0 29,177
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,754 49,592 SH   SOLE   0 0 49,592
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5,682 83,163 SH   SOLE   0 0 83,163
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 814 14,511 SH   SOLE   0 0 14,511
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1,109 45,145 SH   SOLE   0 0 45,145
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 441 3,828 SH   SOLE   0 0 3,828
SCHWAB STRATEGIC TR US TIPS ETF 808524870 32,071 520,384 SH   SOLE   0 0 520,384
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,067 25,637 SH   SOLE   0 0 25,637
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 750 14,558 SH   SOLE   0 0 14,558
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 9,660 174,109 SH   SOLE   0 0 174,109
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426 305 5,391 SH   SOLE   0 0 5,391
SPDR S&P 500 ETF TR TR UNIT 78462F103 32,897 98,231 SH   SOLE   0 0 98,231
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 7,430 21,928 SH   SOLE   0 0 21,928
SPDR SER TR S&P 600 SMCP VAL 78464A300 7,676 153,250 SH   SOLE   0 0 153,250
SPDR SER TR S&P 400 MDCP VAL 78464A839 14,567 335,722 SH   SOLE   0 0 335,722
SPDR SER TR SPDR BLOOMBERG 78468R663 991 10,825 SH   SOLE   0 0 10,825
SPDR SER TR PORTFOLIO AGRGTE 78464A649 1,719 55,806 SH   SOLE   0 0 55,806
SPDR SER TR PRTFLO S&P500 VL 78464A508 44,096 1,460,126 SH   SOLE   0 0 1,460,126
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 12,064 110,762 SH   SOLE   0 0 110,762
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 8,490 80,984 SH   SOLE   0 0 80,984
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 17,022 204,955 SH   SOLE   0 0 204,955
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 59,513 674,594 SH   SOLE   0 0 674,594
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 3,239 55,662 SH   SOLE   0 0 55,662
VANGUARD INDEX FDS VALUE ETF 922908744 330 3,158 SH   SOLE   0 0 3,158
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 14,440 182,882 SH   SOLE   0 0 182,882
VANGUARD INDEX FDS MID CAP ETF 922908629 654 3,711 SH   SOLE   0 0 3,711
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,107 6,497 SH   SOLE   0 0 6,497
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 6,505 64,169 SH   SOLE   0 0 64,169
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 40,712 132,331 SH   SOLE   0 0 132,331
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,289 38,765 SH   SOLE   0 0 38,765
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 439 5,449 SH   SOLE   0 0 5,449
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,425 79,202 SH   SOLE   0 0 79,202
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 9,249 181,284 SH   SOLE   0 0 181,284
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 12,736 153,729 SH   SOLE   0 0 153,729
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 6,719 108,215 SH   SOLE   0 0 108,215
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 3,930 41,025 SH   SOLE   0 0 41,025
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 565 13,816 SH   SOLE   0 0 13,816