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 381 3,121 SH   SOLE   0 0 3,121
CHEVRON CORP NEW COM 166764100 1,097 10,472 SH   SOLE   0 0 10,472
CINTAS CORP COM 172908105 466 1,365 SH   SOLE   0 0 1,365
ISHARES INC MSCI GBL MIN VOL 464286525 644 6,526 SH   SOLE   0 0 6,526
ISHARES TR S&P 500 GRWT ETF 464287309 3,342 51,322 SH   SOLE   0 0 51,322
ISHARES TR S&P 500 VAL ETF 464287408 1,889 13,377 SH   SOLE   0 0 13,377
ISHARES TR RUS MDCP VAL ETF 464287473 627 5,737 SH   SOLE   0 0 5,737
ISHARES TR RUS MD CP GR ETF 464287481 647 6,337 SH   SOLE   0 0 6,337
ISHARES TR S&P MC 400GR ETF 464287606 313 3,990 SH   SOLE   0 0 3,990
ISHARES TR RUS 1000 GRW ETF 464287614 830 3,417 SH   SOLE   0 0 3,417
ISHARES TR RUS 2000 VAL ETF 464287630 494 3,095 SH   SOLE   0 0 3,095
ISHARES TR RUS 2000 GRW ETF 464287648 203 676 SH   SOLE   0 0 676
ISHARES TR S&P MC 400VL ETF 464287705 674 6,615 SH   SOLE   0 0 6,615
ISHARES TR S&P SML 600 GWT 464287887 553 4,314 SH   SOLE   0 0 4,314
ISHARES TR GLB INFRASTR ETF 464288372 1,358 30,133 SH   SOLE   0 0 30,133
ISHARES TR EAFE VALUE ETF 464288877 273 5,354 SH   SOLE   0 0 5,354
MICROSOFT CORP COM 594918104 212 900 SH   SOLE   0 0 900
PROCTER AND GAMBLE CO COM 742718109 2,991 22,087 SH   SOLE   0 0 22,087
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 6,955 53,590 SH   SOLE   0 0 53,590
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 7,967 122,040 SH   SOLE   0 0 122,040
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 31,571 585,196 SH   SOLE   0 0 585,196
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 411 8,011 SH   SOLE   0 0 8,011
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,127 13,303 SH   SOLE   0 0 13,303
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 2,879 51,623 SH   SOLE   0 0 51,623
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,298 23,617 SH   SOLE   0 0 23,617
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 11,980 88,828 SH   SOLE   0 0 88,828
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 5,962 27,781 SH   SOLE   0 0 27,781
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,296 35,880 SH   SOLE   0 0 35,880
VANGUARD INDEX FDS SML CP GRW ETF 922908595 6,644 24,191 SH   SOLE   0 0 24,191
VANGUARD INDEX FDS SM CP VAL ETF 922908611 12,019 72,577 SH   SOLE   0 0 72,577
VANGUARD INDEX FDS GROWTH ETF 922908736 23,166 90,127 SH   SOLE   0 0 90,127
VANGUARD INDEX FDS VALUE ETF 922908744 27,990 212,916 SH   SOLE   0 0 212,916
AMERISOURCEBERGEN CORP COM 03073E105 202 1,709 SH   SOLE   0 0 1,709
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475 871 16,642 SH   SOLE   0 0 16,642
SPDR SER TR S&P 600 SMCP GRW 78464A201 1,153 13,430 SH   SOLE   0 0 13,430
SPDR SER TR S&P 600 SMCP VAL 78464A300 4,406 53,743 SH   SOLE   0 0 53,743
SPDR SER TR S&P 400 MDCP GRW 78464A821 4,712 62,733 SH   SOLE   0 0 62,733
SPDR SER TR S&P 400 MDCP VAL 78464A839 7,607 116,266 SH   SOLE   0 0 116,266
TESLA INC COM 88160R101 313 468 SH   SOLE   0 0 468
VANGUARD WORLD FDS INF TECH ETF 92204A702 338 944 SH   SOLE   0 0 944
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 54,941 665,947 SH   SOLE   0 0 665,947