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
APPLE INC COM 037833100 246 673 SH   SOLE   0 0 673
CHEVRON CORP NEW COM 166764100 1,429 16,010 SH   SOLE   0 0 16,010
ISHARES INC MIN VOL GBL ETF 464286525 547 6,246 SH   SOLE   0 0 6,246
ISHARES TR S&P MC 400VL ETF 464287705 477 3,590 SH   SOLE   0 0 3,590
ISHARES TR S&P MC 400GR ETF 464287606 234 1,045 SH   SOLE   0 0 1,045
ISHARES TR S&P SML 600 GWT 464287887 432 2,545 SH   SOLE   0 0 2,545
ISHARES TR S&P 500 VAL ETF 464287408 1,446 13,362 SH   SOLE   0 0 13,362
ISHARES TR S&P 500 GRWT ETF 464287309 3,034 14,624 SH   SOLE   0 0 14,624
ISHARES TR RUS 1000 GRW ETF 464287614 775 4,040 SH   SOLE   0 0 4,040
ISHARES TR RUS 2000 VAL ETF 464287630 509 5,218 SH   SOLE   0 0 5,218
ISHARES TR RUS 2000 GRW ETF 464287648 219 1,061 SH   SOLE   0 0 1,061
ISHARES TR RUS MD CP GR ETF 464287481 613 3,879 SH   SOLE   0 0 3,879
ISHARES TR RUS MDCP VAL ETF 464287473 491 6,411 SH   SOLE   0 0 6,411
ISHARES TR EAFE VALUE ETF 464288877 232 5,800 SH   SOLE   0 0 5,800
ISHARES TR GLB INFRASTR ETF 464288372 1,187 30,992 SH   SOLE   0 0 30,992
JOHNSON & JOHNSON COM 478160104 294 2,089 SH   SOLE   0 0 2,089
MICROSOFT CORP COM 594918104 287 1,411 SH   SOLE   0 0 1,411
PROCTER AND GAMBLE CO COM 742718109 1,814 15,174 SH   SOLE   0 0 15,174
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 7,640 75,245 SH   SOLE   0 0 75,245
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 7,526 150,180 SH   SOLE   0 0 150,180
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 439 8,508 SH   SOLE   0 0 8,508
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 24,692 439,045 SH   SOLE   0 0 439,045
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475 881 22,108 SH   SOLE   0 0 22,108
SPDR SER TR S&P 600 SMCP VAL 78464A300 3,849 78,350 SH   SOLE   0 0 78,350
SPDR SER TR S&P 600 SMCP GRW 78464A201 1,187 20,913 SH   SOLE   0 0 20,913
SPDR SER TR S&P 400 MDCP VAL 78464A839 6,092 142,894 SH   SOLE   0 0 142,894
SPDR SER TR S&P 400 MDCP GRW 78464A821 4,426 82,283 SH   SOLE   0 0 82,283
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,018 11,528 SH   SOLE   0 0 11,528
VANGUARD INDEX FDS VALUE ETF 922908744 20,049 201,319 SH   SOLE   0 0 201,319
VANGUARD INDEX FDS SM CP VAL ETF 922908611 8,831 82,597 SH   SOLE   0 0 82,597
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,787 35,489 SH   SOLE   0 0 35,489
VANGUARD INDEX FDS GROWTH ETF 922908736 19,206 95,035 SH   SOLE   0 0 95,035
VANGUARD INDEX FDS SML CP GRW ETF 922908595 5,702 28,568 SH   SOLE   0 0 28,568
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 4,474 27,102 SH   SOLE   0 0 27,102
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 7,935 82,916 SH   SOLE   0 0 82,916
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 2,292 49,119 SH   SOLE   0 0 49,119
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 37,178 449,767 SH   SOLE   0 0 449,767