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
ISHARES TR S&P MC 400VL ETF 464287705 405 3,692 SH   SOLE   0 0 3,692
ISHARES TR S&P SML 600 GWT 464287887 360 2,611 SH   SOLE   0 0 2,611
ISHARES TR S&P 500 VAL ETF 464287408 1,406 14,610 SH   SOLE   0 0 14,610
ISHARES TR S&P 500 GRWT ETF 464287309 2,472 14,974 SH   SOLE   0 0 14,974
ISHARES TR RUS 1000 GRW ETF 464287614 633 4,205 SH   SOLE   0 0 4,205
ISHARES TR RUS 2000 VAL ETF 464287630 339 4,132 SH   SOLE   0 0 4,132
JOHNSON & JOHNSON COM 478160104 274 2,089 SH   SOLE   0 0 2,089
CHEVRON CORP NEW COM 166764100 1,154 15,922 SH   SOLE   0 0 15,922
MICROSOFT CORP COM 594918104 222 1,410 SH   SOLE   0 0 1,410
SPDR SER TR S&P 600 SMCP VAL 78464A300 2,336 57,173 SH   SOLE   0 0 57,173
SPDR SER TR S&P 600 SMCP GRW 78464A201 963 20,844 SH   SOLE   0 0 20,844
ISHARES TR RUS MD CP GR ETF 464287481 482 3,965 SH   SOLE   0 0 3,965
ISHARES TR RUS MDCP VAL ETF 464287473 429 6,689 SH   SOLE   0 0 6,689
PROCTER & GAMBLE CO COM 742718109 1,674 15,214 SH   SOLE   0 0 15,214
VANGUARD INDEX FDS VALUE ETF 922908744 17,242 193,599 SH   SOLE   0 0 193,599
VANGUARD INDEX FDS SM CP VAL ETF 922908611 7,898 88,945 SH   SOLE   0 0 88,945
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,223 31,824 SH   SOLE   0 0 31,824
VANGUARD INDEX FDS GROWTH ETF 922908736 14,719 93,938 SH   SOLE   0 0 93,938
VANGUARD INDEX FDS SML CP GRW ETF 922908595 4,177 27,790 SH   SOLE   0 0 27,790
SPDR SER TR S&P 400 MDCP VAL 78464A839 4,865 137,968 SH   SOLE   0 0 137,968
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 3,220 25,415 SH   SOLE   0 0 25,415
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 6,530 80,335 SH   SOLE   0 0 80,335
SPDR SER TR S&P 400 MDCP GRW 78464A821 3,604 84,157 SH   SOLE   0 0 84,157
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 944 11,063 SH   SOLE   0 0 11,063
ISHARES TR GLB INFRASTR ETF 464288372 745 21,801 SH   SOLE   0 0 21,801
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 35,086 443,559 SH   SOLE   0 0 443,559
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 6,188 77,696 SH   SOLE   0 0 77,696
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 6,602 149,119 SH   SOLE   0 0 149,119
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 440 8,508 SH   SOLE   0 0 8,508
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,593 37,124 SH   SOLE   0 0 37,124
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 23,769 437,974 SH   SOLE   0 0 437,974
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475 752 22,361 SH   SOLE   0 0 22,361