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
APPLE INC COM 037833100 768 4,044 SH   SOLE   0 0 4,044
BERKSHIRE HATHAWAY COM 084670702 333 1,658 SH   SOLE   0 0 1,658
INVESCO S&P 500 EQUAL COM 46137V357 418 4,000 SH   SOLE   0 0 4,000
ISHR EDG MSCI MIN VOL COM 464286533 266 4,480 SH   SOLE   0 0 4,480
ISHARES TIPS BOND ETF COM 464287176 419 3,710 SH   SOLE   0 0 3,710
ISHARES CORE S&P 500 COM 464287200 1,362 4,785 SH   SOLE   0 0 4,785
ISHARES CORE S&P SMALL COM 464287804 4,275 55,409 SH   SOLE   0 0 55,409
ISHARES IBOXX HIGH YIELD COM 464288513 252 2,917 SH   SOLE   0 0 2,917
ISHARES CORE HIGH COM 46429B663 547 5,865 SH   SOLE   0 0 5,865
ISHARE EDGE MSCI MIN VOL COM 46429B689 901 12,520 SH   SOLE   0 0 12,520
ISHARES EDGE MSCI MIN COM 46429B697 1,325 22,540 SH   SOLE   0 0 22,540
ISHARES CORE MSCI EAFE COM 46432F842 429 7,060 SH   SOLE   0 0 7,060
ISHARES CORE MSCI COM 46434G103 3,233 62,529 SH   SOLE   0 0 62,529
MICROSOFT CORP COM 594918104 219 1,856 SH   SOLE   0 0 1,856
MOODYS CORP COM 615369105 250 1,380 SH   SOLE   0 0 1,380
PEPSICO INC COM 713448108 556 4,534 SH   SOLE   0 0 4,534
SPDR S&P 500 ETF COM 78462F103 357 1,263 SH   SOLE   0 0 1,263
SPDR NUVEEN S&P HIGH COM 78464A284 268 4,660 SH   SOLE   0 0 4,660
SPDR NUVEEN BLOOMBERG COM 78468R739 626 12,915 SH   SOLE   0 0 12,915
SCHWAB US LARGE CAP ETF COM 808524201 9,368 138,556 SH   SOLE   0 0 138,556
SCHWAB US LARGE CAP COM 808524300 363 4,576 SH   SOLE   0 0 4,576
SCHWAB US LARGE CAP COM 808524409 1,794 32,764 SH   SOLE   0 0 32,764
CHARLES SCHWAB US MC COM 808524508 5,340 96,404 SH   SOLE   0 0 96,404
SCHWAB US SMALL CAP ETF COM 808524607 7,564 108,164 SH   SOLE   0 0 108,164
SCHWAB EMERGING MARKETS COM 808524706 322 12,365 SH   SOLE   0 0 12,365
SCHWAB INTERNATIONAL COM 808524805 4,439 141,771 SH   SOLE   0 0 141,771
SCHWAB US AGGREGATE BOND COM 808524839 272 5,236 SH   SOLE   0 0 5,236
CHARLES SCHWAB US REIT COM 808524847 974 21,933 SH   SOLE   0 0 21,933
SCHWAB SHORT TERM US COM 808524862 1,651 32,887 SH   SOLE   0 0 32,887
SCHWAB INTERNATNAL SMALL COM 808524888 2,273 70,476 SH   SOLE   0 0 70,476
VANGUARD MEGA CAP GROWTH COM 921910816 3,997 32,141 SH   SOLE   0 0 32,141
VANGUARD MEGA CAP VALUE COM 921910840 3,806 48,778 SH   SOLE   0 0 48,778
VANGUARD MEGA CAP ETF COM 921910873 2,633 26,950 SH   SOLE   0 0 26,950
VANGUARD FTSE DEVELOPED COM 921943858 2,643 64,661 SH   SOLE   0 0 64,661
VGRD FTSE ALL WRLD EX US COM 922042718 965 9,271 SH   SOLE   0 0 9,271
VANGUARD FTSE ALL WORLD COM 922042775 9,254 184,517 SH   SOLE   0 0 184,517
VANGUARD FTSE EMERGING COM 922042858 1,816 42,735 SH   SOLE   0 0 42,735
VANGUARD SHORT TERM COR COM 92206C409 3,142 39,399 SH   SOLE   0 0 39,399
VANGUARD MUNI BND TAX COM 922907746 299 5,725 SH   SOLE   0 0 5,725
VANGUARD S&P 500 ETF COM 922908363 1,186 4,568 SH   SOLE   0 0 4,568
VANGUARD MID CAP VALUE COM 922908512 3,295 30,545 SH   SOLE   0 0 30,545
VANGUARD MID CAP GROWTH COM 922908538 1,340 9,389 SH   SOLE   0 0 9,389
VANGUARD REAL ESTATE COM 922908553 1,197 13,768 SH   SOLE   0 0 13,768
VANGUARD SMALL CAP COM 922908595 2,595 14,437 SH   SOLE   0 0 14,437
VANGUARD SMALL CAP VALUE COM 922908611 2,008 15,595 SH   SOLE   0 0 15,595
VANGUARD MID CAP ETF COM 922908629 2,809 17,473 SH   SOLE   0 0 17,473
VANGUARD LARGE CAP ETF COM 922908637 2,420 18,646 SH   SOLE   0 0 18,646
VANGUARD GROWTH ETF COM 922908736 6,009 38,416 SH   SOLE   0 0 38,416
VANGUARD VALUE ETF COM 922908744 4,387 40,764 SH   SOLE   0 0 40,764
VANGUARD SMALL CAP ETF COM 922908751 3,563 23,315 SH   SOLE   0 0 23,315
VANGUARD TOTAL STOCK COM 922908769 725 5,011 SH   SOLE   0 0 5,011
VERIZON COMMUNICATN COM 92343V104 206 3,480 SH   SOLE   0 0 3,480
YUM BRANDS INC COM 988498101 332 3,330 SH   SOLE   0 0 3,330