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 316 665 SH   SOLE   0 0 665
ADVANCED MICRO DEVICES INC COM 007903107 231 2,940 SH   SOLE   0 0 2,940
AGILENT TECHNOLOGIES INC COM 00846U101 242 1,906 SH   SOLE   0 0 1,906
ALPHABET INC CAP STK CL A 02079K305 635 308 SH   SOLE   0 0 308
ALPHABET INC CAP STK CL C 02079K107 556 269 SH   SOLE   0 0 269
AMAZON COM INC COM 023135106 845 273 SH   SOLE   0 0 273
APPLE INC COM 037833100 2,563 20,981 SH   SOLE   0 0 20,981
APPLIED MATLS INC COM 038222105 817 6,112 SH   SOLE   0 0 6,112
CISCO SYS INC COM 17275R102 882 17,058 SH   SOLE   0 0 17,058
DISNEY WALT CO COM 254687106 236 1,277 SH   SOLE   0 0 1,277
EBAY INC. COM 278642103 296 4,829 SH   SOLE   0 0 4,829
GENERAL ELECTRIC CO COM 369604103 287 21,880 SH   SOLE   0 0 21,880
INTERNATIONAL BUSINESS MACHS COM 459200101 211 1,587 SH   SOLE   0 0 1,587
INTUIT COM 461202103 238 622 SH   SOLE   0 0 622
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 282 12,516 SH   SOLE   0 0 12,516
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 855 23,356 SH   SOLE   0 0 23,356
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 267 4,600 SH   SOLE   0 0 4,600
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 384 2,177 SH   SOLE   0 0 2,177
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 236 1,438 SH   SOLE   0 0 1,438
ISHARES INC CORE MSCI EMKT 46434G103 452 7,021 SH   SOLE   0 0 7,021
ISHARES INC MSCI EMERG MKT 46434G889 4,289 82,429 SH   SOLE   0 0 82,429
ISHARES INC MSCI EMERG MRKT 464286533 9,050 143,280 SH   SOLE   0 0 143,280
ISHARES TR CORE MSCI EAFE 46432F842 3,192 44,301 SH   SOLE   0 0 44,301
ISHARES TR CORE S&P TTL STK 464287150 2,044 22,311 SH   SOLE   0 0 22,311
ISHARES TR ESG AWR MSCI USA 46435G425 376 4,140 SH   SOLE   0 0 4,140
ISHARES TR MSCI EAFE ETF 464287465 877 11,556 SH   SOLE   0 0 11,556
ISHARES TR MSCI EMG MKT ETF 464287234 699 13,103 SH   SOLE   0 0 13,103
ISHARES TR MSCI INTL MULTFT 46434V274 6,186 215,452 SH   SOLE   0 0 215,452
ISHARES TR MSCI INTL QUALTY 46434V456 4,782 131,225 SH   SOLE   0 0 131,225
ISHARES TR MSCI USA MULTIFT 46434V282 8,430 207,425 SH   SOLE   0 0 207,425
ISHARES TR MSCI USA QLT FCT 46432F339 7,966 65,416 SH   SOLE   0 0 65,416
ISHARES TR MSCI USA SMCP MN 46435G433 4,145 112,491 SH   SOLE   0 0 112,491
ISHARES TR MSCI USA SML CP 46434V290 3,564 67,951 SH   SOLE   0 0 67,951
ISHARES TR NATIONAL MUN ETF 464288414 1,473 12,691 SH   SOLE   0 0 12,691
ISHARES TR RUSSELL 2000 ETF 464287655 841 3,805 SH   SOLE   0 0 3,805
ISHARES TR RUSSELL 3000 ETF 464287689 316 1,330 SH   SOLE   0 0 1,330
MERCK & CO. INC COM 58933Y105 286 3,711 SH   SOLE   0 0 3,711
METTLER TOLEDO INTERNATIONAL COM 592688105 300 260 SH   SOLE   0 0 260
NORTONLIFELOCK INC COM 668771108 337 15,853 SH   SOLE   0 0 15,853
PAYPAL HLDGS INC COM 70450Y103 484 1,992 SH   SOLE   0 0 1,992
PEPSICO INC COM 713448108 319 2,256 SH   SOLE   0 0 2,256
PROCTER AND GAMBLE CO COM 742718109 1,016 7,501 SH   SOLE   0 0 7,501
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 663 20,866 SH   SOLE   0 0 20,866
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,704 98,451 SH   SOLE   0 0 98,451
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 578 11,279 SH   SOLE   0 0 11,279
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 384 7,429 SH   SOLE   0 0 7,429
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 304 6,002 SH   SOLE   0 0 6,002
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 2,299 74,750 SH   SOLE   0 0 74,750
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 965 30,049 SH   SOLE   0 0 30,049
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 4,856 129,629 SH   SOLE   0 0 129,629
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 820 15,194 SH   SOLE   0 0 15,194
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,810 29,055 SH   SOLE   0 0 29,055
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 648 6,751 SH   SOLE   0 0 6,751
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,779 50,303 SH   SOLE   0 0 50,303
SPDR S&P 500 ETF TR TR UNIT 78462F103 378 953 SH   SOLE   0 0 953
SPDR SER TR PORTFOLI S&P1500 78464A805 1,157 23,524 SH   SOLE   0 0 23,524
VANGUARD INDEX FDS LARGE CAP ETF 922908637 12,105 65,325 SH   SOLE   0 0 65,325
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,212 10,333 SH   SOLE   0 0 10,333
VANGUARD INDEX FDS TOTAL STK MKT 922908769 26,920 130,243 SH   SOLE   0 0 130,243
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,300 54,390 SH   SOLE   0 0 54,390
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,178 41,840 SH   SOLE   0 0 41,840
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 221 1,722 SH   SOLE   0 0 1,722
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,772 32,426 SH   SOLE   0 0 32,426
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,275 22,269 SH   SOLE   0 0 22,269
VANGUARD STAR FDS VG TL INTL STK F 921909768 469 7,478 SH   SOLE   0 0 7,478
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 8,107 165,084 SH   SOLE   0 0 165,084
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 2,524 30,478 SH   SOLE   0 0 30,478
WISDOMTREE TR YIELD ENHANCD US 97717X511 2,016 39,367 SH   SOLE   0 0 39,367