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 SYSTEMS INCORPORATED COM 00724F101 326 665 SH   SOLE   0 0 665
ADVANCED MICRO DEVICES INC COM 007903107 249 3,040 SH   SOLE   0 0 3,040
ALPHABET INC CAP STK CL A 02079K305 491 335 SH   SOLE   0 0 335
ALPHABET INC CAP STK CL C 02079K107 511 348 SH   SOLE   0 0 348
AMAZON COM INC COM 023135106 916 291 SH   SOLE   0 0 291
APPLE INC COM 037833100 2,649 22,875 SH   SOLE   0 0 22,875
APPLIED MATLS INC COM 038222105 363 6,112 SH   SOLE   0 0 6,112
CISCO SYS INC COM 17275R102 672 17,058 SH   SOLE   0 0 17,058
EBAY INC. COM 278642103 252 4,829 SH   SOLE   0 0 4,829
GENERAL ELECTRIC CO COM 369604103 136 21,880 SH   SOLE   0 0 21,880
INTERNATIONAL BUSINESS MACHS COM 459200101 200 1,646 SH   SOLE   0 0 1,646
INTUIT COM 461202103 203 622 SH   SOLE   0 0 622
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 696 23,391 SH   SOLE   0 0 23,391
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 6,306 117,557 SH   SOLE   0 0 117,557
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 220 12,516 SH   SOLE   0 0 12,516
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 255 2,179 SH   SOLE   0 0 2,179
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 203 1,435 SH   SOLE   0 0 1,435
ISHARES INC CORE MSCI EMKT 46434G103 371 7,021 SH   SOLE   0 0 7,021
ISHARES INC MSCI EMERG MKT 46434G889 2,334 53,199 SH   SOLE   0 0 53,199
ISHARES INC MSCI EMERG MRKT 464286533 7,884 142,879 SH   SOLE   0 0 142,879
ISHARES TR CORE S&P TTL STK 464287150 1,648 21,826 SH   SOLE   0 0 21,826
ISHARES TR MSCI INTL MULTFT 46434V274 2,011 82,761 SH   SOLE   0 0 82,761
ISHARES TR RUSSELL 3000 ETF 464287689 260 1,330 SH   SOLE   0 0 1,330
ISHARES TR MSCI EAFE MIN VL 46429B689 3,527 51,767 SH   SOLE   0 0 51,767
ISHARES TR MSCI INTL QUALTY 46434V456 4,078 130,179 SH   SOLE   0 0 130,179
ISHARES TR RUSSELL 2000 ETF 464287655 578 3,859 SH   SOLE   0 0 3,859
ISHARES TR MSCI EAFE ETF 464287465 736 11,556 SH   SOLE   0 0 11,556
ISHARES TR CORE MSCI EAFE 46432F842 2,636 43,725 SH   SOLE   0 0 43,725
ISHARES TR MSCI USA SMCP MN 46435G433 2,842 97,267 SH   SOLE   0 0 97,267
ISHARES TR MSCI USA QLT FCT 46432F339 6,505 62,707 SH   SOLE   0 0 62,707
ISHARES TR MSCI EMG MKT ETF 464287234 578 13,103 SH   SOLE   0 0 13,103
ISHARES TR ESG AWR MSCI USA 46435G425 267 3,500 SH   SOLE   0 0 3,500
ISHARES TR MSCI USA MIN VOL 46429B697 4,425 69,433 SH   SOLE   0 0 69,433
ISHARES TR NATIONAL MUN ETF 464288414 917 7,910 SH   SOLE   0 0 7,910
ISHARES TR MSCI USA MULTIFT 46434V282 927 27,925 SH   SOLE   0 0 27,925
MERCK & CO. INC COM 58933Y105 316 3,811 SH   SOLE   0 0 3,811
METTLER TOLEDO INTERNATIONAL COM 592688105 251 260 SH   SOLE   0 0 260
NORTONLIFELOCK INC COM 668771108 407 19,527 SH   SOLE   0 0 19,527
PAYPAL HLDGS INC COM 70450Y103 436 2,212 SH   SOLE   0 0 2,212
PEPSICO INC COM 713448108 1,802 13,001 SH   SOLE   0 0 13,001
PROCTER AND GAMBLE CO COM 742718109 1,070 7,701 SH   SOLE   0 0 7,701
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,004 17,901 SH   SOLE   0 0 17,901
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 544 6,751 SH   SOLE   0 0 6,751
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 202 6,112 SH   SOLE   0 0 6,112
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,107 98,946 SH   SOLE   0 0 98,946
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,873 78,948 SH   SOLE   0 0 78,948
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 305 7,879 SH   SOLE   0 0 7,879
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 1,957 65,435 SH   SOLE   0 0 65,435
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 430 11,279 SH   SOLE   0 0 11,279
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 738 30,049 SH   SOLE   0 0 30,049
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 594 22,193 SH   SOLE   0 0 22,193
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,234 28,047 SH   SOLE   0 0 28,047
SPARTAN ENERGY ACQUISITION C CL A COM STK 846784106 202 14,000 SH   SOLE   0 0 14,000
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,478 50,513 SH   SOLE   0 0 50,513
SPDR S&P 500 ETF TR TR UNIT 78462F103 349 1,043 SH   SOLE   0 0 1,043
SPDR SER TR PORTFOLI S&P1500 78464A805 977 23,896 SH   SOLE   0 0 23,896
VANGUARD INDEX FDS TOTAL STK MKT 922908769 16,964 99,608 SH   SOLE   0 0 99,608
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,594 10,367 SH   SOLE   0 0 10,367
VANGUARD INDEX FDS LARGE CAP ETF 922908637 10,244 65,485 SH   SOLE   0 0 65,485
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,770 54,902 SH   SOLE   0 0 54,902
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,805 41,738 SH   SOLE   0 0 41,738
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,963 36,054 SH   SOLE   0 0 36,054
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,989 23,234 SH   SOLE   0 0 23,234
VANGUARD STAR FDS VG TL INTL STK F 921909768 390 7,478 SH   SOLE   0 0 7,478
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 5,615 137,280 SH   SOLE   0 0 137,280
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 2,206 30,640 SH   SOLE   0 0 30,640
WISDOMTREE TR YIELD ENHANCD US 97717X511 2,945 54,711 SH   SOLE   0 0 54,711