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
A T & T INC COM 00206R102   229,741 5,879 SH   SOLE   0 0 5,879
ABBOTT LABORATORIES COM 002824100   379,936 4,374 SH   SOLE   0 0 4,374
ABBVIE INC COM 00287Y109   358,925 4,054 SH   SOLE   0 0 4,054
AKAMAI TECHNOLOGIES COM 00971T101   276,416 3,200 SH   SOLE   0 0 3,200
ALTRIA GROUP COM 02209S103   318,675 6,385 SH   SOLE   0 0 6,385
AMAZON.COM COM 023135106   720,658 390 SH   SOLE   0 0 390
AMCOR PLC COM USD 0.01 COM G0250X107   212,616 19,614 SH   SOLE   0 0 19,614
APPLE COMPUTER INC COM 037833100   2,410,076 8,207 SH   SOLE   0 0 8,207
BERKSHIRE HATHAWAY B CL B 084670207   365,571 1,614 SH   SOLE   0 0 1,614
BRISTOL-MYERS SQUIBB CO COM 110122108   305,284 4,756 SH   SOLE   0 0 4,756
CHEVRON CORP COM 166764100   226,706 1,881 SH   SOLE   0 0 1,881
CISCO SYSTEMS INC COM 17275R102   332,925 6,942 SH   SOLE   0 0 6,942
CITIGROUP INC COM 172967424   273,800 3,427 SH   SOLE   0 0 3,427
CVS CORP COM 126650100   283,759 3,820 SH   SOLE   0 0 3,820
EXXON MOBIL CORP COM 30231G102   854,153 12,241 SH   SOLE   0 0 12,241
FACEBOOK INC COM 30303M102   342,562 1,669 SH   SOLE   0 0 1,669
GENERAL ELECTRIC COMPANY COM NEW 369604301   161,108 14,436 SH   SOLE   0 0 14,436
GOOGLE INC COM 02079K305   369,672 276 SH   SOLE   0 0 276
HOME DEPOT INC COM 437076102   243,583 1,115 SH   SOLE   0 0 1,115
INTEL CORP COM 458140100   525,760 8,785 SH   SOLE   0 0 8,785
INVO BIOSCIENCE INC. COM 44984F104   3,179 14,705 SH   SOLE   0 0 14,705
ISHARES BARCLAYS 1-3 YR TREAS BOND FD ETF 1 3 YR TREAS BD 464287457   259,645 3,068 SH   SOLE   0 0 3,068
ISHARES MSCI ACWI EX US IDX FD MSCI ACWI EX US 464288240   4,748,395 96,669 SH   SOLE   0 0 96,669
ISHARES MSCI EAFE IDX FD MSCI EAFE ETF 464287465   402,598 5,798 SH   SOLE   0 0 5,798
ISHARES MSCI EAFE SMALL CAP IDX FD EAFE SML CP ETF 464288273   2,832,284 45,477 SH   SOLE   0 0 45,477
ISHARES MSCI USA ESG SELECT ETF ESG ETF 464288802   210,622 1,572 SH   SOLE   0 0 1,572
ISHARES RUSSELL 1000 GROWTH IDX FD RUS 1000 GRW ETF 464287614   2,265,045 12,875 SH   SOLE   0 0 12,875
ISHARES RUSSELL 1000 IDX FD ETF RUS 1000 ETF 464287622   3,825,259 21,440 SH   SOLE   0 0 21,440
ISHARES RUSSELL 2000 IDX FD ETF RUSSELL 2000 ETF 464287655   259,703 1,568 SH   SOLE   0 0 1,568
ISHARES RUSSELL 3000 IDX FD ETF RUSSELL 3000 ETF 464287689   220,658 1,171 SH   SOLE   0 0 1,171
ISHARES S&P 500 GROWTH IDX FD S&P 500 GRWT ETF 464287309   2,146,425 11,085 SH   SOLE   0 0 11,085
ISHARES S&P 500 IDX FD ETF CORE S&P500 ETF 464287200   2,344,042 7,252 SH   SOLE   0 0 7,252
ISHARES S&P SMALLCAP 600 IDX FD ETF CORE S&P SCP ETF 464287804   2,563,278 30,570 SH   SOLE   0 0 30,570
J P MORGAN CHASE & CO COM 46625H100   389,386 2,793 SH   SOLE   0 0 2,793
JOHNSON & JOHNSON COM 478160104   812,558 5,570 SH   SOLE   0 0 5,570
LOWES COMPANIES INC COM 548661107   225,213 1,881 SH   SOLE   0 0 1,881
MCDONALDS CORP COM 580135101   401,433 2,031 SH   SOLE   0 0 2,031
MERCK & CO INC COM 58933Y105   295,967 3,254 SH   SOLE   0 0 3,254
MICROSOFT CORP COM 594918104   517,972 3,285 SH   SOLE   0 0 3,285
MONDELEZ INTL INC CL A CL A 609207105   314,452 5,709 SH   SOLE   0 0 5,709
NAVIENT CORP COM 63938C108   136,800 10,000 SH   SOLE   0 0 10,000
NORFOLK SOUTHERN COM 655844108   223,055 1,149 SH   SOLE   0 0 1,149
PEPSICO INC COM 713448108   249,149 1,823 SH   SOLE   0 0 1,823
PFIZER INC COM 717081103   360,427 9,199 SH   SOLE   0 0 9,199
PHILIP MORRIS INTL INC COM 718172109   421,543 4,954 SH   SOLE   0 0 4,954
PROCTER & GAMBLE CO COM 742718109   459,993 3,683 SH   SOLE   0 0 3,683
QUALCOMM INC COM 747525103   255,867 2,900 SH   SOLE   0 0 2,900
SCHWAB EMERGING MARKETS EQUITY ETF EMR MKT ETF 808524706   242,854 8,873 SH   SOLE   0 0 8,873
SCHWAB S/T US TREASURY ETF SHT TM US TRES 808524862   22,601,962 447,741 SH   SOLE   0 0 447,741
SCHWAB US AGGREGATE BOND ETF US AGGREGATE B 808524839   2,318,642 43,396 SH   SOLE   0 0 43,396
SPDR INDEX SHARES S&P GLOBAL NATURAL RES GLB NAT RESRCE 78463X541   12,012,861 260,300 SH   SOLE   0 0 260,300
SPDR MSCI ACWI EX-US MSCI ACWI EXUS 78463X848   729,287 28,300 SH   SOLE   0 0 28,300
SPDR S&P 600 SMALL CAP GROWTH ETF S&P 600 SMCP GRW 78464A201   1,470,143 22,786 SH   SOLE   0 0 22,786
SPDR SSGA MULTI-ASSET REAL RETURN ETF MULT ASS RLRTN 78467V103   555,167 21,851 SH   SOLE   0 0 21,851
SPDR TRUST UNIT SER 1 ETF TR UNIT 78462F103   256,842 798 SH   SOLE   0 0 798
UNITED PARCEL SERVICE CL B 911312106   345,912 2,955 SH   SOLE   0 0 2,955
UNITED TECHNOLOGIES CORP COM 913017109   258,743 1,728 SH   SOLE   0 0 1,728
VANGUARD DIVIDEND APPRECIATION ETF DIV APP ETF 921908844   247,858 1,988 SH   SOLE   0 0 1,988
VANGUARD EMERGING MARKETS ETF FTSE EMR MKT ETF 922042858   424,808 9,553 SH   SOLE   0 0 9,553
VANGUARD GROWTH ETF GROWTH ETF 922908736   50,304,977 276,143 SH   SOLE   0 0 276,143
VANGUARD INDEX FDS SM CAP ETF SMALL CP ETF 922908751   222,336 1,342 SH   SOLE   0 0 1,342
VANGUARD SMALL CAP GROWTH ETF SML CP GRW ETF 922908595   9,797,618 49,309 SH   SOLE   0 0 49,309
VANGUARD SMALL CAP VALUE ETF SM CP VAL ETF 922908611   683,818 4,989 SH   SOLE   0 0 4,989
VANGUARD TOTAL STOCK MARKET ETF TOTAL STK MKT 922908769   210,163 1,284 SH   SOLE   0 0 1,284
VANGUARD TOTAL WORLD STK IDX TT WRLD STK ETF 922042742   228,544 2,822 SH   SOLE   0 0 2,822
VANGUARD VALUE ETF VALUE ETF 922908744   3,826,130 31,924 SH   SOLE   0 0 31,924
VERIZON COMMUNICATIONS COM 92343V104   391,646 6,379 SH   SOLE   0 0 6,379
VISA, INC. COM 92826C839   353,816 1,883 SH   SOLE   0 0 1,883
WAL-MART STORES INC COM 931142103   348,393 2,932 SH   SOLE   0 0 2,932
WALT DISNEY CO COM 254687106   570,478 3,944 SH   SOLE   0 0 3,944