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
Estimated average burden
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
ABBOTT LABORATORIES COM 002824100   343,966 4,359 SH   SOLE   0 0 4,359
ABBVIE INC COM 00287Y109   308,786 4,053 SH   SOLE   0 0 4,053
AKAMAI TECHNOLOGIES COM 00971T101   292,768 3,200 SH   SOLE   0 0 3,200
ALTRIA GROUP COM 02209S103   246,599 6,377 SH   SOLE   0 0 6,377
AMAZON.COM COM 023135106   467,933 240 SH   SOLE   0 0 240
AMCOR PLC COM USD 0.01 COM G0250X107   159,266 19,614 SH   SOLE   0 0 19,614
APPLE COMPUTER INC COM 037833100   1,880,339 7,394 SH   SOLE   0 0 7,394
BERKSHIRE HATHAWAY B CL B 084670207   276,805 1,514 SH   SOLE   0 0 1,514
BRISTOL-MYERS SQUIBB CO COM 110122108   265,202 4,758 SH   SOLE   0 0 4,758
CISCO SYSTEMS INC COM 17275R102   267,975 6,817 SH   SOLE   0 0 6,817
CVS CORP COM 126650100   219,505 3,700 SH   SOLE   0 0 3,700
EXXON MOBIL CORP COM 30231G102   447,974 11,798 SH   SOLE   0 0 11,798
GENERAL ELECTRIC COMPANY COM NEW 369604301   114,625 14,436 SH   SOLE   0 0 14,436
HOME DEPOT INC COM 437076102   250,833 1,343 SH   SOLE   0 0 1,343
INTEL CORP COM 458140100   475,456 8,785 SH   SOLE   0 0 8,785
INVO Bioscience Inc COM 44984F302   3,190 14,705 SH   SOLE   0 0 14,705
ISHARES BARCLAYS 1-3 YR TREAS BOND FD ETF 1 3 YR TREAS BD 464287457   250,615 2,892 SH   SOLE   0 0 2,892
ISHARES CORE MSCI TOTAL INTL STK ETF MSCI ACWI EX US 46432F834   7,270,625 154,661 SH   SOLE   0 0 154,661
ISHARES GLOBAL REIT MSCI EAFE ETF 46434V647   1,822,558 95,173 SH   SOLE   0 0 95,173
ISHARES MSCI ACWI EX US IDX FD EAFE SML CP ETF 464288240   2,992,897 79,493 SH   SOLE   0 0 79,493
ISHARES MSCI EAFE IDX FD ESG ETF 464287465   345,554 6,464 SH   SOLE   0 0 6,464
ISHARES MSCI EAFE SMALL CAP IDX FD RUS 1000 GRW ETF 464288273   2,076,688 46,324 SH   SOLE   0 0 46,324
ISHARES MSCI EMERGING MARKETS SM-CP ETF RUS 1000 ETF 464286475   2,110,800 65,798 SH   SOLE   0 0 65,798
ISHARES RUSSELL 1000 GROWTH IDX FD RUSSELL 2000 ETF 464287614   1,934,574 12,842 SH   SOLE   0 0 12,842
ISHARES RUSSELL 1000 IDX FD ETF RUSSELL 3000 ETF 464287622   2,943,850 20,800 SH   SOLE   0 0 20,800
ISHARES S&P 500 GROWTH IDX FD S&P 500 GRWT ETF 464287309   1,810,040 10,967 SH   SOLE   0 0 10,967
ISHARES S&P 500 IDX FD ETF CORE S&P500 ETF 464287200   1,838,009 7,113 SH   SOLE   0 0 7,113
ISHARES S&P SMALLCAP 600 IDX FD ETF CORE S&P SCP ETF 464287804   1,610,784 28,708 SH   SOLE   0 0 28,708
J P MORGAN CHASE & CO COM 46625H100   251,651 2,795 SH   SOLE   0 0 2,795
JOHNSON & JOHNSON COM 478160104   730,100 5,568 SH   SOLE   0 0 5,568
MCDONALDS CORP COM 580135101   336,833 2,037 SH   SOLE   0 0 2,037
MERCK & CO INC COM 58933Y105   250,711 3,259 SH   SOLE   0 0 3,259
MICROSOFT CORP COM 594918104   518,176 3,286 SH   SOLE   0 0 3,286
MONDELEZ INTL INC CL A CL A 609207105   284,905 5,689 SH   SOLE   0 0 5,689
PEPSICO INC COM 713448108   217,141 1,808 SH   SOLE   0 0 1,808
PFIZER INC COM 717081103   299,056 9,162 SH   SOLE   0 0 9,162
PHILIP MORRIS INTL INC COM 718172109   361,452 4,954 SH   SOLE   0 0 4,954
PROCTER & GAMBLE CO COM 742718109   405,161 3,683 SH   SOLE   0 0 3,683
SCHWAB S/T US TREASURY ETF SHT TM US TRES 808524862   24,194,389 467,705 SH   SOLE   0 0 467,705
SCHWAB US AGGREGATE BOND ETF US AGGREGATE B 808524839   2,449,788 45,141 SH   SOLE   0 0 45,141
SPDR INDEX SHARES S&P GLOBAL NATURAL RES GLB NAT RESRCE 78463X541   9,275,733 299,797 SH   SOLE   0 0 299,797
SPDR MSCI ACWI EX-US MSCI ACWI EXUS 78463X848   515,095 26,120 SH   SOLE   0 0 26,120
SPDR S&P 600 SMALL CAP GROWTH ETF S&P 600 SMCP GRW 78464A201   1,041,729 22,558 SH   SOLE   0 0 22,558
SPDR S&P INTL SMALL CAP ETF S&P INTL SMLCP 78463X871   3,468,645 152,334 SH   SOLE   0 0 152,334
SPDR SSGA MULTI-ASSET REAL RETURN ETF MULT ASS RLRTN 78467V103   2,424,810 126,821 SH   SOLE   0 0 126,821
SPDR TRUST UNIT SER 1 ETF TR UNIT 78462F103   210,948 818 SH   SOLE   0 0 818
SPDR PORTFOLIO S&P 600 SMALL CAP ETF PORTFOLIO S&P600 78468R853   410,692 18,805 SH   SOLE   0 0 18,805
UNITED PARCEL SERVICE COM 911312106   276,056 2,955 SH   SOLE   0 0 2,955
VANGUARD EMERGING MARKETS ETF FTSE EMR MKT ETF 922042858   289,672 8,634 SH   SOLE   0 0 8,634
VANGUARD GROWTH ETF GROWTH ETF 922908736   41,423,927 264,369 SH   SOLE   0 0 264,369
VANGUARD SHORT TERM GOVT BD IDX ETF SHORT TERM TREAS 92206C102   242,503 3,890 SH   SOLE   0 0 3,890
VANGUARD SMALL CAP GROWTH ETF SML CP GRW ETF 922908595   7,291,634 48,514 SH   SOLE   0 0 48,514
VANGUARD SMALL CAP VALUE ETF SM CP VAL ETF 922908611   925,706 10,425 SH   SOLE   0 0 10,425
VANGUARD TOTAL INTERNATIONAL BOND ETF TOTAL INT BD ETF 92203J407   338,931 6,024 SH   SOLE   0 0 6,024
VANGUARD VALUE ETF VALUE ETF 922908744   3,704,034 41,590 SH   SOLE   0 0 41,590
VERIZON COMMUNICATIONS COM 92343V104   340,121 6,330 SH   SOLE   0 0 6,330
WAL-MART STORES INC COM 931142103   324,569 2,857 SH   SOLE   0 0 2,857
WALT DISNEY CO COM 254687106   371,729 3,848 SH   SOLE   0 0 3,848