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
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,221 19,112 SH   SOLE   0 0 19,112
ISHARES TR MSCI ACWI EX US 464288240   3,406 74,863 SH   SOLE   0 0 74,863
ISHARES TR JPMORGAN USD EMG 464288281   854 10,096 SH   SOLE   0 0 10,096
ISHARES TR IBOXX HI YD ETF 464288513   1,959 26,610 SH   SOLE   0 0 26,610
ISHARES TR RUS 1000 ETF 464287622   50,408 239,445 SH   SOLE   0 0 239,445
ISHARES TR RUSSELL 2000 ETF 464287655   4,228 24,246 SH   SOLE   0 0 24,246
ISHARES TR RUS MID CAP ETF 464287499   744 11,033 SH   SOLE   0 0 11,033
ISHARES TR RUS MDCP VAL ETF 464287473   2,333 22,148 SH   SOLE   0 0 22,148
ISHARES TR RUSSELL 3000 ETF 464287689   19,933 90,324 SH   SOLE   0 0 90,324
ISHARES TR CORE MSCI TOTAL 46432F834   4,472 77,269 SH   SOLE   0 0 77,269
ISHARES TR NATIONAL MUN ETF 464288414   8,131 77,059 SH   SOLE   0 0 77,059
ISHARES TR SHRT NAT MUN ETF 464288158   1,952 18,716 SH   SOLE   0 0 18,716
ISHARES TR MSCI USA MIN VOL 46429B697   12,737 176,653 SH   SOLE   0 0 176,653
PIMCO ETF TR SHTRM MUN BD ACT 72201R874   2,336 47,398 SH   SOLE   0 0 47,398
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530   756 755,796 SH   SOLE   0 0 755,796
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   7,206 160,821 SH   SOLE   0 0 160,821
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,322 27,411 SH   SOLE   0 0 27,411
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,339 29,657 SH   SOLE   0 0 29,657
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   26,540 1,103,096 SH   SOLE   0 0 1,103,096
SPDR SER TR NUVEEN BLMBRG SH 78468R739   2,166 46,110 SH   SOLE   0 0 46,110
SPDR SER TR NUVEEN BLMBRG MU 78468R721   3,613 79,200 SH   SOLE   0 0 79,200
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   311 886 SH   SOLE   0 0 886
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,432 23,181 SH   SOLE   0 0 23,181
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   13,084 260,947 SH   SOLE   0 0 260,947
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,611 93,178 SH   SOLE   0 0 93,178
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   6,058 34,765 SH   SOLE   0 0 34,765
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599   346 2,013 SH   SOLE   0 0 2,013
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   1,099 15,619 SH   SOLE   0 0 15,619
VANGUARD STAR FDS VG TL INTL STK F 921909768   645 12,479 SH   SOLE   0 0 12,479