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
ADOBE INC COM 00724F101 219 665 SH   SOLE   665 0 0
ALPHABET INC CAP STK CL C 02079K107 448 335 SH   SOLE   335 0 0
ALPHABET INC CAP STK CL A 02079K305 371 277 SH   SOLE   277 0 0
AMAZON COM INC COM 023135106 418 226 SH   SOLE   226 0 0
APPLE INC COM 037833100 1,590 5,414 SH   SOLE   5,414 0 0
APPLIED MATLS INC COM 038222105 373 6,112 SH   SOLE   6,112 0 0
CISCO SYS INC COM 17275R102 921 19,199 SH   SOLE   19,199 0 0
GENERAL ELECTRIC CO COM 369604103 257 23,029 SH   SOLE   23,029 0 0
GLOBAL X FDS SCIEN BETA US 37954Y103 1,074 30,554 SH   SOLE   30,554 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 228 1,700 SH   SOLE   1,700 0 0
INTUIT COM 461202103 226 862 SH   SOLE   862 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 368 2,693 SH   SOLE   2,693 0 0
INVESCO EXCHNG TRADED FD TR FTSE RAFI EMNG 46138E727 279 12,516 SH   SOLE   12,516 0 0
INVESCO EXCHNG TRADED FD TR FTSE RAFI SML 46138E735 242 7,562 SH   SOLE   7,562 0 0
ISHARES INC MIN VOL EMRG MKT 464286533 7,195 122,649 SH   SOLE   122,649 0 0
ISHARES INC MLT FCTR EMG MKT 46434G889 1,969 43,224 SH   SOLE   43,224 0 0
ISHARES TR CORE S&P TTL STK 464287150 626 8,615 SH   SOLE   8,615 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 592 13,198 SH   SOLE   13,198 0 0
ISHARES TR MSCI EAFE ETF 464287465 904 13,025 SH   SOLE   13,025 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 639 3,859 SH   SOLE   3,859 0 0
ISHARES TR MSCI ACWI EX US 464288240 374 7,623 SH   SOLE   7,623 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,222 10,729 SH   SOLE   10,729 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 6,482 86,958 SH   SOLE   86,958 0 0
ISHARES TR MSCI MIN VOL ETF 46429B697 11,092 169,093 SH   SOLE   169,093 0 0
ISHARES TR USA QUALITY FCTR 46432F339 3,797 37,592 SH   SOLE   37,592 0 0
ISHARES TR CORE MSCI EAFE 46432F842 445 6,825 SH   SOLE   6,825 0 0
ISHARES TR MULTIFACTOR INTL 46434V274 474 17,541 SH   SOLE   17,541 0 0
ISHARES TR INTL QLTY FACTOR 46434V456 4,075 126,192 SH   SOLE   126,192 0 0
ISHARES TR EDGE MSCI MINM 46435G433 3,117 87,865 SH   SOLE   87,865 0 0
ISHARES TR CORE INTL AGGR 46435G672 238 4,335 SH   SOLE   4,335 0 0
MERCK & CO INC COM 58933Y105 347 3,811 SH   SOLE   3,811 0 0
METTLER TOLEDO INTERNATIONAL COM 592688105 206 260 SH   SOLE   260 0 0
NORTONLIFELOCK INC COM 668771108 562 22,030 SH   SOLE   22,030 0 0
PAYPAL HLDGS INC COM 70450Y103 290 2,680 SH   SOLE   2,680 0 0
PEPSICO INC COM 713448108 336 2,456 SH   SOLE   2,456 0 0
PROCTER & GAMBLE CO COM 742718109 962 7,701 SH   SOLE   7,701 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,285 29,717 SH   SOLE   29,717 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 521 6,787 SH   SOLE   6,787 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 458 16,734 SH   SOLE   16,734 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 3,018 101,133 SH   SOLE   101,133 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2,151 64,691 SH   SOLE   64,691 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1,163 40,206 SH   SOLE   40,206 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 348 8,658 SH   SOLE   8,658 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 422 9,878 SH   SOLE   9,878 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 475 11,279 SH   SOLE   11,279 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,379 40,993 SH   SOLE   40,993 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 849 15,897 SH   SOLE   15,897 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 703 22,409 SH   SOLE   22,409 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 307 953 SH   SOLE   953 0 0
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 792 19,857 SH   SOLE   19,857 0 0
VANGUARD GROUP DIV APP ETF 921908844 1,654 13,272 SH   SOLE   13,272 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 9,706 65,651 SH   SOLE   65,651 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 684 4,127 SH   SOLE   4,127 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 16,165 98,795 SH   SOLE   98,795 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 275 2,477 SH   SOLE   2,477 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 5,637 104,869 SH   SOLE   104,869 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,050 46,094 SH   SOLE   46,094 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 525 9,800 SH   SOLE   9,800 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 509 9,140 SH   SOLE   9,140 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 6,150 139,575 SH   SOLE   139,575 0 0
WISDOMTREE TR YIELD ENHANCD US 97717X511 1,840 35,223 SH   SOLE   35,223 0 0
WISDOMTREE TR CBOE S&P 500 97717X560 185 649,330 SH Put SOLE   649,330 0 0