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
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 60,836 735,534 SH   SOLE   0 0 735,534
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 34,524 632,316 SH   SOLE   0 0 632,316
VANGUARD INDEX FDS VALUE ETF 922908744 29,735 216,319 SH   SOLE   0 0 216,319
VANGUARD INDEX FDS GROWTH ETF 922908736 27,087 94,443 SH   SOLE   0 0 94,443
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 12,644 89,990 SH   SOLE   0 0 89,990
VANGUARD INDEX FDS SM CP VAL ETF 922908611 12,372 71,242 SH   SOLE   0 0 71,242
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 7,758 53,150 SH   SOLE   0 0 53,150
VANGUARD INDEX FDS SML CP GRW ETF 922908595 7,452 25,716 SH   SOLE   0 0 25,716
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 7,355 107,570 SH   SOLE   0 0 107,570
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 7,162 30,303 SH   SOLE   0 0 30,303
SPDR SER TR S&P 400 MDCP VAL 78464A839 7,111 105,317 SH   SOLE   0 0 105,317
SPDR SER TR S&P 400 MDCP GRW 78464A821 4,776 61,608 SH   SOLE   0 0 61,608
SPDR SER TR S&P 600 SMCP VAL 78464A300 4,084 47,650 SH   SOLE   0 0 47,650
ISHARES TR S&P 500 GRWT ETF 464287309 3,669 50,441 SH   SOLE   0 0 50,441
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,362 33,024 SH   SOLE   0 0 33,024
PROCTER AND GAMBLE CO COM 742718109 2,984 22,116 SH   SOLE   0 0 22,116
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 2,897 49,643 SH   SOLE   0 0 49,643
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,480 23,936 SH   SOLE   0 0 23,936
ISHARES TR S&P 500 VAL ETF 464287408 1,913 12,958 SH   SOLE   0 0 12,958
ISHARES TR GLB INFRASTR ETF 464288372 1,262 27,814 SH   SOLE   0 0 27,814
SPDR SER TR S&P 600 SMCP GRW 78464A201 1,187 13,374 SH   SOLE   0 0 13,374
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,169 13,611 SH   SOLE   0 0 13,611
CHEVRON CORP NEW COM 166764100 968 9,242 SH   SOLE   0 0 9,242
ISHARES TR RUS 1000 GRW ETF 464287614 923 3,399 SH   SOLE   0 0 3,399
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475 863 15,549 SH   SOLE   0 0 15,549
ISHARES TR RUS MD CP GR ETF 464287481 717 6,338 SH   SOLE   0 0 6,338
ISHARES TR S&P MC 400VL ETF 464287705 673 6,393 SH   SOLE   0 0 6,393
ISHARES INC MSCI GBL MIN VOL 464286525 649 6,309 SH   SOLE   0 0 6,309
ISHARES TR RUS MDCP VAL ETF 464287473 607 5,276 SH   SOLE   0 0 5,276
ISHARES TR S&P SML 600 GWT 464287887 572 4,315 SH   SOLE   0 0 4,315
APPLE INC COM 037833100 565 4,125 SH   SOLE   0 0 4,125
CINTAS CORP COM 172908105 521 1,365 SH   SOLE   0 0 1,365
VANGUARD INDEX FDS TOTAL STK MKT 922908769 499 2,239 SH   SOLE   0 0 2,239
ISHARES TR RUS 2000 VAL ETF 464287630 476 2,870 SH   SOLE   0 0 2,870
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 410 8,011 SH   SOLE   0 0 8,011
TESLA INC COM 88160R101 330 486 SH   SOLE   0 0 486
VANGUARD WORLD FDS INF TECH ETF 92204A702 329 825 SH   SOLE   0 0 825
ISHARES TR S&P MC 400GR ETF 464287606 323 3,992 SH   SOLE   0 0 3,992
ISHARES TR EAFE VALUE ETF 464288877 277 5,354 SH   SOLE   0 0 5,354
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 274 696 SH   SOLE   0 0 696
MICROSOFT CORP COM 594918104 265 977 SH   SOLE   0 0 977
MOODYS CORP COM 615369105 251 693 SH   SOLE   0 0 693
VISA INC COM CL A 92826C839 250 1,070 SH   SOLE   0 0 1,070
ISHARES TR RUS 2000 GRW ETF 464287648 207 663 SH   SOLE   0 0 663
AMAZON COM INC COM 023135106 206 60 SH   SOLE   0 0 60