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
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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
APPLE INC COM 037833100 BBG001S5N8V8 1,551,163 9,060 SH   SOLE   0 0 9,060
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 1,594,431 3 SH   SOLE   0 0 3
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 979,439 2,796 SH   SOLE   0 0 2,796
ELI LILLY & CO COM 532457108 BBG001S5STL8 202,498 377 SH   SOLE   0 0 377
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 630,853 7,310 SH   SOLE   0 0 7,310
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 548,888 9,720 SH   SOLE   0 0 9,720
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 267,547 3,882 SH   SOLE   0 0 3,882
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 287,890 7,586 SH   SOLE   0 0 7,586
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 5,428,480 20,409 SH   SOLE   0 0 20,409
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 2,617,100 17,238 SH   SOLE   0 0 17,238
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 1,870,146 8,343 SH   SOLE   0 0 8,343
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 1,689,649 12,465 SH   SOLE   0 0 12,465
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 263,417 3,850 SH   SOLE   0 0 3,850
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 361,477 831 SH   SOLE   0 0 831
PEPSICO INC COM 713448108 BBG001S695T1 337,016 1,989 SH   SOLE   0 0 1,989
RINGCENTRAL INC NOTE 3/0 76680RAF4   27,549 30,000 PRN   SOLE   0 0 30,000
S&P GLOBAL INC COM 78409V104 BBG001S5T5M8 348,967 955 SH   SOLE   0 0 955
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 4,804,513 200,690 SH   SOLE   0 0 200,690
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 8,763,669 258,059 SH   SOLE   0 0 258,059
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 3,591,575 111,367 SH   SOLE   0 0 111,367
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 34,483,578 719,307 SH   SOLE   0 0 719,307
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 7,880,300 164,550 SH   SOLE   0 0 164,550
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 32,533,860 447,385 SH   SOLE   0 0 447,385
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 11,378,172 176,515 SH   SOLE   0 0 176,515
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 5,645,464 111,570 SH   SOLE   0 0 111,570
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 4,563,637 257,106 SH   SOLE   0 0 257,106
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 465,576 11,240 SH   SOLE   0 0 11,240
TESLA INC COM 88160R101 BBG001SQKGD7 1,188,545 4,750 SH   SOLE   0 0 4,750
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 1,215,098 2,410 SH   SOLE   0 0 2,410
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 26,336,545 96,715 SH   SOLE   0 0 96,715
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 258,004 657 SH   SOLE   0 0 657
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 4,972,632 31,178 SH   SOLE   0 0 31,178
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,073,350 5,677 SH   SOLE   0 0 5,677
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 7,109,055 33,192 SH   SOLE   0 0 33,192
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 866,845 4,081 SH   SOLE   0 0 4,081
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 23,758,620 172,251 SH   SOLE   0 0 172,251
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 267,122 5,150 SH   SOLE   0 0 5,150
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 3,000,473 76,523 SH   SOLE   0 0 76,523
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 1,859,606 17,510 SH   SOLE   0 0 17,510
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 243,492 5,150 SH   SOLE   0 0 5,150
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 2,119,694 37,090 SH   SOLE   0 0 37,090
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 63,400,493 1,100,703 SH   SOLE   0 0 1,100,703
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 12,719,591 290,933 SH   SOLE   0 0 290,933
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 202,216 4,949 SH   SOLE   0 0 4,949