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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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM 023135106 BBG001S5PQL7 765,513 5,038 SH   SOLE   0 0 5,038
APPLE INC COM 037833100 BBG001S5N8V8 1,627,864 8,455 SH   SOLE   0 0 8,455
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,578,898 4,427 SH   SOLE   0 0 4,427
GLOBAL X FDS GLBL X MLP ETF 37954Y343 BBG002WKD6P0 256,368 5,787 SH   SOLE   0 0 5,787
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 419,280 8,289 SH   SOLE   0 0 8,289
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,227,937 17,455 SH   SOLE   0 0 17,455
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 446,283 1,610 SH   SOLE   0 0 1,610
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 12,754,488 121,206 SH   SOLE   0 0 121,206
ISHARES TR CORE S&P US GWT 464287671 BBG001SFQL99 4,753,168 45,660 SH   SOLE   1 0 45,659
ISHARES TR CORE S&P US VLU 464287663 BBG001SFQL80 11,167,166 132,422 SH   SOLE   0 0 132,422
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 8,834,552 18,497 SH   SOLE   6 0 18,491
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 3,521,604 11,616 SH   SOLE   0 0 11,616
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 273,146 1,653 SH   SOLE   0 0 1,653
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 2,634,038 10,443 SH   SOLE   0 0 10,443
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 3,120,432 20,089 SH   SOLE   0 0 20,089
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 3,326,182 31,842 SH   SOLE   22 0 31,820
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 370,923 3,190 SH   SOLE   0 0 3,190
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 559,205 7,194 SH   SOLE   0 0 7,194
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 293,931 3,710 SH   SOLE   0 0 3,710
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 1,118,063 8,934 SH   SOLE   0 0 8,934
MICROSOFT CORP COM 594918104 BBG001S5TD05 630,261 1,676 SH   SOLE   0 0 1,676
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 477,454 12,918 SH   SOLE   0 0 12,918
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 1,997,058 35,409 SH   SOLE   69 0 35,340
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 249,609 3,314 SH   SOLE   0 0 3,314
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 2,420,301 51,234 SH   SOLE   52 0 51,182
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 1,416,911 41,662 SH   SOLE   0 0 41,662
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 292,694 8,266 SH   SOLE   0 0 8,266
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 784,760 1,651 SH   SOLE   0 0 1,651
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 1,188,924 20,341 SH   SOLE   0 0 20,341
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 736,790 15,123 SH   SOLE   0 0 15,123
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 450,211 8,054 SH   SOLE   0 0 8,054
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 618,887 9,513 SH   SOLE   0 0 9,513
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 9,996,420 214,377 SH   SOLE   361 0 214,016
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 1,408,126 19,190 SH   SOLE   0 0 19,190
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 677,272 8,098 SH   SOLE   0 0 8,098
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 2,098,856 25,193 SH   SOLE   30 0 25,163
TESLA INC COM 88160R101 BBG001SQKGD7 321,533 1,294 SH   SOLE   0 0 1,294
UNION PAC CORP COM 907818108 BBG001S5X2M0 450,304 1,833 SH   SOLE   0 0 1,833
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 28,795,601 92,626 SH   SOLE   44 0 92,582
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 220,206 1,009 SH   SOLE   0 0 1,009
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 1,099,007 5,005 SH   SOLE   0 0 5,005
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 4,531,167 31,247 SH   SOLE   15 0 31,232
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 1,892,209 8,134 SH   SOLE   0 0 8,134
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,656,719 9,206 SH   SOLE   0 0 9,206
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 227,831 942 SH   SOLE   0 0 942
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 5,270,579 22,218 SH   SOLE   0 0 22,218
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 12,927,382 86,471 SH   SOLE   0 0 86,471
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 426,048 10,366 SH   SOLE   0 0 10,366
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 1,246,049 26,014 SH   SOLE   0 0 26,014
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 265,430 548 SH   SOLE   0 0 548