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 488 1,909 SH   SOLE   0 0 1,909
ISHARES INC CORE MSCI EMKT 46434G103 6,182 96,048 SH   SOLE   0 0 96,048
ISHARES TR NATIONAL MUN ETF 464288414 7,494 64,579 SH   SOLE   0 0 64,579
ISHARES TR SHRT NAT MUN ETF 464288158 16,373 151,853 SH   SOLE   0 0 151,853
ISHARES TR TIPS BD ETF 464287176 3,743 29,823 SH   SOLE   0 0 29,823
ISHARES TR RUS 2000 VAL ETF 464287630 724 4,542 SH   SOLE   0 0 4,542
ISHARES TR CORE S&P SCP ETF 464287804 16,370 150,838 SH   SOLE   0 0 150,838
ISHARES TR SP SMCP600VL ETF 464287879 5,095 50,576 SH   SOLE   0 0 50,576
ISHARES TR CORE S&P US VLU 464287663 9,444 137,062 SH   SOLE   0 0 137,062
ISHARES TR RUSSELL 3000 ETF 464287689 3,756 15,832 SH   SOLE   0 0 15,832
ISHARES TR IBOXX INV CP ETF 464287242 362 2,781 SH   SOLE   0 0 2,781
ISHARES TR ISHS 5-10YR INVT 464288638 1,439 24,297 SH   SOLE   0 0 24,297
ISHARES TR RUS 1000 VAL ETF 464287598 530 3,497 SH   SOLE   0 0 3,497
ISHARES TR CORE US AGGBD ET 464287226 4,642 40,782 SH   SOLE   0 0 40,782
ISHARES TR IBONDS DEC21 ETF 46434VBK5 4,686 188,577 SH   SOLE   0 0 188,577
ISHARES TR CORE S&P MCP ETF 464287507 55,260 212,310 SH   SOLE   0 0 212,310
ISHARES TR S&P 500 VAL ETF 464287408 20,053 141,975 SH   SOLE   0 0 141,975
ISHARES TR RUS MID CAP ETF 464287499 312 4,217 SH   SOLE   0 0 4,217
ISHARES TR S&P MC 400VL ETF 464287705 13,826 135,637 SH   SOLE   0 0 135,637
ISHARES TR ISHS 1-5YR INVS 464288646 21,101 385,908 SH   SOLE   0 0 385,908
ISHARES TR CORE S&P500 ETF 464287200 11,186 28,119 SH   SOLE   0 0 28,119
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,104 51,197 SH   SOLE   0 0 51,197
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 7,583 76,078 SH   SOLE   0 0 76,078
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 773 14,335 SH   SOLE   0 0 14,335
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1,423 44,334 SH   SOLE   0 0 44,334
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 497 3,830 SH   SOLE   0 0 3,830
SCHWAB STRATEGIC TR US TIPS ETF 808524870 39,578 647,129 SH   SOLE   0 0 647,129
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,564 26,703 SH   SOLE   0 0 26,703
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 655 12,775 SH   SOLE   0 0 12,775
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 12,556 168,697 SH   SOLE   0 0 168,697
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426 364 5,345 SH   SOLE   0 0 5,345
SPDR S&P 500 ETF TR TR UNIT 78462F103 34,546 87,164 SH   SOLE   0 0 87,164
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 9,754 20,490 SH   SOLE   0 0 20,490
SPDR SER TR S&P 600 SMCP VAL 78464A300 13,565 165,447 SH   SOLE   0 0 165,447
SPDR SER TR S&P 400 MDCP VAL 78464A839 26,172 399,997 SH   SOLE   0 0 399,997
SPDR SER TR PORTFOLIO AGRGTE 78464A649 1,586 53,493 SH   SOLE   0 0 53,493
SPDR SER TR PRTFLO S&P500 VL 78464A508 63,800 1,683,372 SH   SOLE   0 0 1,683,372
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 12,012 76,871 SH   SOLE   0 0 76,871
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 14,248 104,232 SH   SOLE   0 0 104,232
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 18,364 223,429 SH   SOLE   0 0 223,429
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 57,461 678,243 SH   SOLE   0 0 678,243
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 3,187 55,786 SH   SOLE   0 0 55,786
VANGUARD INDEX FDS LARGE CAP ETF 922908637 202 1,088 SH   SOLE   0 0 1,088
VANGUARD INDEX FDS VALUE ETF 922908744 413 3,140 SH   SOLE   0 0 3,140
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 18,802 204,684 SH   SOLE   0 0 204,684
VANGUARD INDEX FDS MID CAP ETF 922908629 796 3,595 SH   SOLE   0 0 3,595
VANGUARD INDEX FDS TOTAL STK MKT 922908769 959 4,637 SH   SOLE   0 0 4,637
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 8,351 61,919 SH   SOLE   0 0 61,919
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 59,349 162,913 SH   SOLE   0 0 162,913
VANGUARD INDEX FDS SM CP VAL ETF 922908611 6,164 37,218 SH   SOLE   0 0 37,218
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 520 5,342 SH   SOLE   0 0 5,342
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,009 77,026 SH   SOLE   0 0 77,026
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 9,831 190,744 SH   SOLE   0 0 190,744
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 25,064 303,812 SH   SOLE   0 0 303,812
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 12,348 200,711 SH   SOLE   0 0 200,711
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,665 28,648 SH   SOLE   0 0 28,648
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 619 12,604 SH   SOLE   0 0 12,604