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 TR S&P MC 400VL ETF 464287705 515 3,017 SH   SOLE   0 0 3,017
ISHARES TR S&P MC 400GR ETF 464287606 249 1,044 SH   SOLE   0 0 1,044
ISHARES TR S&P SML 600 GWT 464287887 557 2,882 SH   SOLE   0 0 2,882
ISHARES TR S&P 500 VAL ETF 464287408 1,320 10,147 SH   SOLE   0 0 10,147
ISHARES TR S&P 500 GRWT ETF 464287309 2,802 14,468 SH   SOLE   0 0 14,468
ISHARES TR RUS 1000 GRW ETF 464287614 746 4,243 SH   SOLE   0 0 4,243
ISHARES TR RUS 2000 VAL ETF 464287630 359 2,792 SH   SOLE   0 0 2,792
ISHARES TR RUS 2000 GRW ETF 464287648 233 1,086 SH   SOLE   0 0 1,086
JOHNSON & JOHNSON COM 478160104 313 2,144 SH   SOLE   0 0 2,144
CHEVRON CORP NEW COM 166764100 1,923 15,958 SH   SOLE   0 0 15,958
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 4,585 69,782 SH   SOLE   0 0 69,782
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 1,307 20,260 SH   SOLE   0 0 20,260
ISHARES TR RUS MD CP GR ETF 464287481 603 3,952 SH   SOLE   0 0 3,952
ISHARES TR RUS MDCP VAL ETF 464287473 649 6,849 SH   SOLE   0 0 6,849
PROCTER & GAMBLE CO COM 742718109 1,974 15,807 SH   SOLE   0 0 15,807
APPLE INC COM 037833100 203 692 SH   SOLE   0 0 692
VANGUARD INDEX FDS VALUE ETF 922908744 19,218 160,349 SH   SOLE   0 0 160,349
VANGUARD INDEX FDS SM CP VAL ETF 922908611 8,877 64,764 SH   SOLE   0 0 64,764
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,899 31,242 SH   SOLE   0 0 31,242
VANGUARD INDEX FDS GROWTH ETF 922908736 17,319 95,070 SH   SOLE   0 0 95,070
VANGUARD INDEX FDS SML CP GRW ETF 922908595 4,686 23,583 SH   SOLE   0 0 23,583
ISHARES TR EAFE GRWTH ETF 464288885 417 4,818 SH   SOLE   0 0 4,818
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 8,416 153,632 SH   SOLE   0 0 153,632
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,879 18,135 SH   SOLE   0 0 18,135
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 5,592 46,918 SH   SOLE   0 0 46,918
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 5,537 96,990 SH   SOLE   0 0 96,990
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,198 14,283 SH   SOLE   0 0 14,283
ISHARES TR GLB INFRASTR ETF 464288372 1,700 35,483 SH   SOLE   0 0 35,483
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 39,368 485,841 SH   SOLE   0 0 485,841
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 7,611 81,922 SH   SOLE   0 0 81,922
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 9,935 165,250 SH   SOLE   0 0 165,250
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 431 8,544 SH   SOLE   0 0 8,544
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 5,170 87,501 SH   SOLE   0 0 87,501
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 27,930 522,747 SH   SOLE   0 0 522,747