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

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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AIR PRODS & CHEMS INC COM 009158106 206 678 SH   SOLE   0 0 678
HOME DEPOT INC COM 437076102 1,029 2,479 SH   SOLE   0 0 2,479
JOHNSON & JOHNSON COM 478160104 347 2,030 SH   SOLE   0 0 2,030
MICROSOFT CORP COM 594918104 864 2,567 SH   SOLE   0 0 2,567
PEPSICO INC COM 713448108 214 1,232 SH   SOLE   0 0 1,232
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 17,219 151,285 SH   SOLE   0 0 151,285
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,304 16,210 SH   SOLE   0 0 16,210
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 16,952 165,544 SH   SOLE   0 0 165,544
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,869 96,845 SH   SOLE   0 0 96,845
UNITED PARCEL SERVICE INC CL B 911312106 429 2,000 SH   SOLE   0 0 2,000
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 26,446 153,980 SH   SOLE   0 0 153,980
VANGUARD STAR FDS VG TL INTL STK F 921909768 13,747 216,256 SH   SOLE   0 0 216,256
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 5,858 72,472 SH   SOLE   0 0 72,472
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 33,696 397,596 SH   SOLE   0 0 397,596
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,856 36,108 SH   SOLE   0 0 36,108
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 9,891 121,721 SH   SOLE   0 0 121,721
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,631 39,191 SH   SOLE   0 0 39,191
VANGUARD INDEX FDS MID CAP ETF 922908629 27,390 107,508 SH   SOLE   0 0 107,508
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,175 5,200 SH   SOLE   0 0 5,200
WISDOMTREE TR US LARGECAP DIVD 97717W307 8,952 135,546 SH   SOLE   0 0 135,546