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
INVESCO QQQ TR UNIT SER 1 UNIT SER 1 46090E103 129 605 SH   SOLE   605 0 0
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 1,759 5,441 SH   SOLE   5,441 0 0
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 599 2,909 SH   SOLE   2,909 0 0
ISHARES CORE S&P SMALL-CAP E CORE S&P SCP ETF 464287804 3,116 37,166 SH   SOLE   37,166 0 0
ISHARES CORE S&P TOTAL US STOCK MARKET ETF CORE S&P TTL STK 464287150 359 4,941 SH   SOLE   4,941 0 0
ISHARES GOLD TRUST ISHARES ISIN #US4642851053 SEDOL B0SF3S5 ISHARES 464285105 86 5,922 SH   SOLE   5,922 0 0
ISHARES INC CORE MSCI EMERGING MKTS ETF CORE MSCI EMKT 46434G103 14 259 SH   SOLE   259 0 0
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 4,516 65,041 SH   SOLE   65,041 0 0
ISHARES RUSSELL 1000 ETF RUS 1000 ETF 464287622 459 2,573 SH   SOLE   2,573 0 0
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 661 3,760 SH   SOLE   3,760 0 0
ISHARES RUSSELL 1000 VALUE ETF RUS 1000 VAL ETF 464287598 534 3,911 SH   SOLE   3,911 0 0
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 74 444 SH   SOLE   444 0 0
ISHARES RUSSELL MIDCAP GROWTH RUS MD CP GR ETF 464287481 3 19 SH   SOLE   19 0 0
ISHARES RUSSELL MIDCAP VALUE ETF RUS MDCP VAL ETF 464287473 161 1,697 SH   SOLE   1,697 0 0
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 51 393 SH   SOLE   393 0 0
ISHARES S&P MID CAP 400 GROWTH ETF S&P MC 400GR ETF 464287606 156 657 SH   SOLE   657 0 0
ISHARES S&P MIDCAP 400 VALUE ETF S&P MC 400VL ETF 464287705 179 1,050 SH   SOLE   1,050 0 0
ISHARES TR EAFE SML CP ETF EAFE SML CP ETF 464288273 2,470 39,652 SH   SOLE   39,652 0 0
ISHARES TR GLB INFRASTR ETF GLB INFRASTR ETF 464288372 1,094 22,828 SH   SOLE   22,828 0 0
ISHARES TR MSCI KLD400 SOC MSCI KLD400 SOC 464288570 33 274 SH   SOLE   274 0 0
ISHARES TR RUS MID CAP ETF RUS MID CAP ETF 464287499 14 232 SH   SOLE   232 0 0
ISHARES TR S&P SMALL CAP 600 GROWTH ETF S&P SML 600 GWT 464287887 5 25 SH   SOLE   25 0 0
ISHARES TRUST CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 3,685 56,482 SH   SOLE   56,482 0 0
ISHARES TRUST GLOBAL REIT ETF GLOBAL REIT ETF 46434V647 5,013 181,510 SH   SOLE   181,510 0 0
ISHARES TRUST MSCI EMG MKTS ETF USD DIS MSCI EMG MKT ETF 464287234 843 18,788 SH   SOLE   18,788 0 0
SCHWAB STRATEGIC TR INTERMEDIATE-TERM US TREASURY ETF INTRM TRM TRES 808524854 149 2,704 SH   SOLE   2,704 0 0
SCHWAB STRATEGIC TR INTL EQUITY ETF INTL EQTY ETF 808524805 17,556 522,039 SH   SOLE   522,039 0 0
SCHWAB STRATEGIC TR SHORT-TERM US TREASURY ETF SHT TM US TRES 808524862 400 7,927 SH   SOLE   7,927 0 0
SCHWAB STRATEGIC TR US AGGREGATE BD ETF US AGGREGATE B 808524839 467 8,735 SH   SOLE   8,735 0 0
SCHWAB STRATEGIC TR US REIT ETF US REIT ETF 808524847 97 2,117 SH   SOLE   2,117 0 0
SCHWAB STRATEGIC TR US TIPS ETF US TIPS ETF 808524870 8,405 148,418 SH   SOLE   148,418 0 0
SELECT SECTOR SPDR TR HEALTH CARE FORMERLY CONSUMER SVCS TO 06/24/2002 SBI HEALTHCARE 81369Y209 33 320 SH   SOLE   320 0 0
SELECT SECTOR SPDR TR SHS BEN INT MATERIALS SBI MATERIALS 81369Y100 23 376 SH   SOLE   376 0 0
SELECT SECTOR SPDR TRUST TECHNOLOGY SELECT SECTOR USD DIS TECHNOLOGY 81369Y803 44 478 SH   SOLE   478 0 0
SPDR GOLD TR GOLD SHS GOLD SHS 78463V107 254 1,778 SH   SOLE   1,778 0 0
SPDR S&P500 ETF TRUST TRUST UNIT DEPOSITARY RECEIPT TR UNIT 78462F103 2,249 6,986 SH   SOLE   6,986 0 0
VANGUARD BD INDEX FD INC INTERMEDIATE TERM BD ETF INTERMED TERM 921937819 276 3,163 SH   SOLE   3,163 0 0
VANGUARD BD INDEX FD INC SHORT TERM BD ETF SHORT TRM BOND 921937827 2,623 32,539 SH   SOLE   32,539 0 0
VANGUARD BD INDEX FUND INC TOTAL BOND MARKET ETF TOTAL BND MRKT 921937835 6,024 71,835 SH   SOLE   71,835 0 0
VANGUARD CHARLOTTE TOTAL INTL BD INDEX FD ETF INTL BD IDX ETF 92203J407 3,676 64,968 SH   SOLE   64,968 0 0
VANGUARD GROUP DIV APP ETF DIV APP ETF 921908844 357 2,864 SH   SOLE   2,864 0 0
VANGUARD INDEX FDS VANGUARD GROWTH ETF FORMERLY VANGUARD INDEX TR VIPERS GROWTH ETF 922908736 510 2,798 SH   SOLE   2,798 0 0
VANGUARD INDEX FDS VANGUARD MID CAP VIPERS FORMERLY VANGUARD INDEX TR MID CAP ETF 922908629 585 3,285 SH   SOLE   3,285 0 0
VANGUARD INDEX FDS VANGUARD SMALL CAP GROWTH VIPERS FORMERLY VANGUARD INDEX TR SML CP GRW ETF 922908595 4 20 SH   SOLE   20 0 0
VANGUARD INDEX FDS VANGUARD SMALL CAP VALUE VIPERS FORMERLY VANGUARD INDEX TR SM CP VAL ETF 922908611 223 1,629 SH   SOLE   1,629 0 0
VANGUARD INDEX FDS VANGUARD SMALL CAP VIPERS FORMERLY VANGUARD INDEX TR SMALL CP ETF 922908751 627 3,786 SH   SOLE   3,786 0 0
VANGUARD INDEX FDS VANGUARD TOTAL STK MKT ETF TOTAL STK MKT 922908769 253 1,548 SH   SOLE   1,548 0 0
VANGUARD INDEX FDS VANGUARD VALUE ETF FORMERLY VANGUARD INDEX TR VALUE ETF 922908744 1,144 9,543 SH   SOLE   9,543 0 0
VANGUARD INDEX FUNDS S&P 500 ETF USD S&P 500 ETF SHS 922908363 26,620 89,993 SH   SOLE   89,993 0 0
VANGUARD INTL EQUITY INDEX FUND INC FTSE EMERGING MARKETS ETF FTSE EMR MKT ETF 922042858 3,499 78,691 SH   SOLE   78,691 0 0
VANGUARD INTL EQUITY INDEX FUND INC TOTAL WORLD STK INDEX FUND ETF SHS TT WRLD ST ETF 922042742 47 575 SH   SOLE   575 0 0
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 271 2,922 SH   SOLE   2,922 0 0
VANGUARD SCOTTSDALE FDS VANGUARD RUSSELL VNG RUS1000GRW 92206C680 2,030 11,223 SH   SOLE   11,223 0 0
VANGUARD SECTOR INDEX FDS VANGUARD ENERGY VIPERS ENERGY ETF 92204A306 47 572 SH   SOLE   572 0 0
VANGUARD STAR FD VANGUARD TOTAL INTL STOCK INDEX FD ETF SHS VG TL INTL STK F 921909768 923 16,570 SH   SOLE   16,570 0 0
VANGUARD WORLD FDS VANGUARD INFORMATION TECHNOLOGY ETF INF TECH ETF 92204A702 51 207 SH   SOLE   207 0 0