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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR S&P 500 VAL ETF 464287408   36,547,490 242,937 SH   SOLE   0 0 242,937
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   36,380,545 650,001 SH   SOLE   0 0 650,001
ISHARES TR RUS MDCP VAL ETF 464287473   18,885,212 172,831 SH   SOLE   0 0 172,831
ISHARES TR CORE US AGGBD ET 464287226   10,675,022 107,872 SH   SOLE   0 0 107,872
ISHARES TR CORE MSCI EAFE 46432F842   9,697,155 150,741 SH   SOLE   0 0 150,741
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   8,135,375 173,870 SH   SOLE   0 0 173,870
SPDR SER TR S&P 600 SMCP VAL 78464A300   6,162,175 79,175 SH   SOLE   0 0 79,175
ISHARES TR RUSSELL 2000 ETF 464287655   4,552,235 25,219 SH   SOLE   0 0 25,219
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,333,241 104,415 SH   SOLE   0 0 104,415
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,551,504 41,985 SH   SOLE   0 0 41,985
VANGUARD INDEX FDS VALUE ETF 922908744   3,177,205 22,210 SH   SOLE   0 0 22,210
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,814,566 8,897 SH   SOLE   0 0 8,897
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   2,794,364 117,115 SH   SOLE   0 0 117,115
ISHARES INC MSCI EMRG CHN 46434G764   2,787,214 55,856 SH   SOLE   0 0 55,856
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   2,610,841 14,692 SH   SOLE   0 0 14,692
ISHARES TR CONV BD ETF 46435G102   2,412,408 34,045 SH   SOLE   0 0 34,045
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   2,331,339 54,739 SH   SOLE   0 0 54,739
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,206,229 20,602 SH   SOLE   0 0 20,602
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,981,602 39,482 SH   SOLE   0 0 39,482
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,977,808 14,099 SH   SOLE   0 0 14,099
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,798,198 41,036 SH   SOLE   0 0 41,036
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   1,393,376 20,392 SH   SOLE   0 0 20,392
ISHARES TR NATIONAL MUN ETF 464288414   1,370,864 12,819 SH   SOLE   0 0 12,819
ISHARES TR RUS MID CAP ETF 464287499   1,307,612 18,761 SH   SOLE   0 0 18,761
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,143,102 5,843 SH   SOLE   0 0 5,843
ISHARES INC CORE MSCI EMKT 46434G103   984,972 19,731 SH   SOLE   0 0 19,731
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   830,459 3,369 SH   SOLE   0 0 3,369
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   801,483 6,313 SH   SOLE   0 0 6,313
VANGUARD WORLD FDS INF TECH ETF 92204A702   779,172 2,389 SH   SOLE   0 0 2,389
ISHARES TR S&P 500 GRWT ETF 464287309   686,775 11,662 SH   SOLE   0 0 11,662
ISHARES TR TIPS BD ETF 464287176   674,615 6,263 SH   SOLE   0 0 6,263
SELECT SECTOR SPDR TR ENERGY 81369Y506   604,985 6,885 SH   SOLE   0 0 6,885
APPLE INC COM 037833100   604,750 4,626 SH   SOLE   0 0 4,626
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   531,333 10,578 SH   SOLE   0 0 10,578
NVIDIA CORPORATION COM 67066G104   520,417 3,271 SH   SOLE   0 0 3,271
US BANCORP DEL COM NEW 902973304   487,970 10,458 SH   SOLE   0 0 10,458
VANGUARD INDEX FDS GROWTH ETF 922908736   478,394 2,195 SH   SOLE   0 0 2,195
VANGUARD INDEX FDS LARGE CAP ETF 922908637   458,368 2,578 SH   SOLE   0 0 2,578
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   443,527 3,228 SH   SOLE   0 0 3,228
AMAZON COM INC COM 023135106   399,922 4,450 SH   SOLE   0 0 4,450
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   392,664 2,919 SH   SOLE   0 0 2,919
ALPHABET INC CAP STK CL A 02079K305   371,364 4,200 SH   SOLE   0 0 4,200
AMERISOURCEBERGEN CORP COM 03073E105   365,523 2,185 SH   SOLE   0 0 2,185
3M CO COM 88579Y101   362,769 2,831 SH   SOLE   0 0 2,831
ISHARES TR RUS 1000 ETF 464287622   354,729 1,650 SH   SOLE   0 0 1,650
SPDR S&P 500 ETF TR TR UNIT 78462F103   332,774 852 SH   SOLE   0 0 852
VANGUARD INDEX FDS SMALL CP ETF 922908751   331,656 1,744 SH   SOLE   0 0 1,744
VANGUARD INDEX FDS SM CP VAL ETF 922908611   327,096 1,990 SH   SOLE   0 0 1,990
UNITEDHEALTH GROUP INC COM 91324P102   303,264 624 SH   SOLE   0 0 624
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   292,450 3,580 SH   SOLE   0 0 3,580
BROADCOM INC COM 11135F101   287,465 500 SH   SOLE   0 0 500
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   273,782 3,610 SH   SOLE   0 0 3,610
MEDTRONIC PLC SHS G5960L103   270,435 3,428 SH   SOLE   0 0 3,428
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   246,663 3,386 SH   SOLE   0 0 3,386
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   216,645 788 SH   SOLE   0 0 788
ISHARES TR EAFE SML CP ETF 464288273   214,507 3,680 SH   SOLE   0 0 3,680
JOHNSON & JOHNSON COM 478160104   209,316 1,195 SH   SOLE   0 0 1,195
CISCO SYS INC COM 17275R102   208,663 4,275 SH   SOLE   0 0 4,275
ECOLAB INC COM 278865100   201,513 1,324 SH   SOLE   0 0 1,324