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
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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
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   12,129,540 289,005 SH   SOLE   0 0 289,005
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   11,246,260 74,062 SH   SOLE   0 0 74,062
ISHARES TR CORE MSCI EAFE 46432F842   11,082,625 179,796 SH   SOLE   0 0 179,796
ISHARES TR CORE S&P500 ETF 464287200   9,344,549 24,321 SH   SOLE   0 0 24,321
ISHARES TR MSCI USA QLT FCT 46432F339   8,519,842 74,762 SH   SOLE   0 0 74,762
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   7,165,836 159,916 SH   SOLE   0 0 159,916
ISHARES TR CORE S&P US VLU 464287663   5,989,350 84,799 SH   SOLE   0 0 84,799
ISHARES TR NATIONAL MUN ETF 464288414   5,804,022 55,004 SH   SOLE   0 0 55,004
ISHARES TR CORE US AGGBD ET 464287226   5,725,515 59,032 SH   SOLE   0 0 59,032
SPDR SER TR PRTFLO S&P500 VL 78464A508   5,541,864 142,501 SH   SOLE   0 0 142,501
ISHARES TR CORE S&P US GWT 464287671   5,377,545 65,966 SH   SOLE   0 0 65,966
SPDR SER TR PRTFLO S&P500 GW 78464A409   4,939,717 97,488 SH   SOLE   0 0 97,488
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   4,337,798 60,381 SH   SOLE   0 0 60,381
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,418,918 69,083 SH   SOLE   0 0 69,083
ISHARES INC CORE MSCI EMKT 46434G103   2,977,078 63,749 SH   SOLE   0 0 63,749
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,831,862 72,649 SH   SOLE   0 0 72,649
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,483,552 77,105 SH   SOLE   0 0 77,105
APPLE INC COM 037833100   1,607,494 12,372 SH   SOLE   0 0 12,372
MICROSOFT CORP COM 594918104   1,413,499 5,894 SH   SOLE   0 0 5,894
ISHARES TR CORE S&P MCP ETF 464287507   1,374,802 5,684 SH   SOLE   0 0 5,684
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   1,095,115 10,983 SH   SOLE   0 0 10,983
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,048,054 15,974 SH   SOLE   0 0 15,974
ISHARES TR RUSSELL 3000 ETF 464287689   1,014,907 4,599 SH   SOLE   0 0 4,599
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   972,978 17,652 SH   SOLE   0 0 17,652
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   908,884 13,651 SH   SOLE   0 0 13,651
ISHARES TR CORE S&P SCP ETF 464287804   807,889 8,536 SH   SOLE   0 0 8,536
SPDR SER TR S&P 600 SMCP VAL 78464A300   652,802 8,795 SH   SOLE   0 0 8,795
SPDR SER TR S&P 600 SMCP GRW 78464A201   624,241 8,641 SH   SOLE   0 0 8,641
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   558,491 1,808 SH   SOLE   0 0 1,808
AMAZON COM INC COM 023135106   537,012 6,393 SH   SOLE   0 0 6,393
VANGUARD INDEX FDS VALUE ETF 922908744   483,715 3,446 SH   SOLE   0 0 3,446
UNITEDHEALTH GROUP INC COM 91324P102   478,222 902 SH   SOLE   0 0 902
EXXON MOBIL CORP COM 30231G102   471,753 4,277 SH   SOLE   0 0 4,277
JOHNSON & JOHNSON COM 478160104   439,858 2,490 SH   SOLE   0 0 2,490
ALPHABET INC CAP STK CL A 02079K305   437,091 4,954 SH   SOLE   0 0 4,954
VANGUARD INDEX FDS GROWTH ETF 922908736   428,564 2,011 SH   SOLE   0 0 2,011
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   388,448 16,411 SH   SOLE   0 0 16,411
JPMORGAN CHASE & CO COM 46625H100   375,882 2,803 SH   SOLE   0 0 2,803
SPDR SER TR S&P 400 MDCP VAL 78464A839   364,827 5,637 SH   SOLE   0 0 5,637
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   363,006 8,040 SH   SOLE   0 0 8,040
ALPHABET INC CAP STK CL C 02079K107   344,539 3,883 SH   SOLE   0 0 3,883
ABBVIE INC COM 00287Y109   339,058 2,098 SH   SOLE   0 0 2,098
SPDR SER TR S&P 400 MDCP GRW 78464A821   335,978 5,142 SH   SOLE   0 0 5,142
PROCTER AND GAMBLE CO COM 742718109   325,096 2,145 SH   SOLE   0 0 2,145
MERCK & CO INC COM 58933Y105   317,317 2,860 SH   SOLE   0 0 2,860
PEPSICO INC COM 713448108   310,193 1,717 SH   SOLE   0 0 1,717
CHEVRON CORP NEW COM 166764100   300,466 1,674 SH   SOLE   0 0 1,674
LILLY ELI & CO COM 532457108   293,038 801 SH   SOLE   0 0 801
MASTERCARD INCORPORATED CL A 57636Q104   290,007 834 SH   SOLE   0 0 834
PFIZER INC COM 717081103   287,559 5,612 SH   SOLE   0 0 5,612
NVIDIA CORPORATION COM 67066G104   275,035 1,882 SH   SOLE   0 0 1,882
VISA INC COM CL A 92826C839   273,412 1,316 SH   SOLE   0 0 1,316
HOME DEPOT INC COM 437076102   257,110 814 SH   SOLE   0 0 814
WALMART INC COM 931142103   248,983 1,756 SH   SOLE   0 0 1,756
MCDONALDS CORP COM 580135101   235,332 893 SH   SOLE   0 0 893
BANK AMERICA CORP COM 060505104   225,779 6,817 SH   SOLE   0 0 6,817
CISCO SYS INC COM 17275R102   208,806 4,383 SH   SOLE   0 0 4,383
AON PLC SHS CL A G0403H108   200,494 668 SH   SOLE   0 0 668