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 LABS COM 500648100   454,393 4,168 SH   SOLE   0 0 4,168
ABBVIE INC COM 00287Y109   646,306 4,797 SH   SOLE   0 0 4,797
AIR PRODS & CHEMS INC COM 009158106   303,317 1,013 SH   SOLE   0 0 1,013
ALPHABET INC CAP STK CL A 02079K305   377,055 3,150 SH   SOLE   0 0 3,150
AMAZON COM INC COM 023135106   1,187,971 9,113 SH   SOLE   0 0 9,113
AMERICAN EXPRESS CO COM 025816109   383,731 2,203 SH   SOLE   0 0 2,203
APPLE INC COM 037833100   5,195,232 26,784 SH   SOLE   0 0 26,784
AUTOMATIC DATA PROCESSING IN COM 053015103   202,234 920 SH   SOLE   0 0 920
BOEING CO COM 097023105   296,469 1,404 SH   SOLE   0 0 1,404
BRISTOL-MYERS SQUIBB CO COM 110122108   640,987 10,023 SH   SOLE   0 0 10,023
CHEVRON CORP NEW COM 166764100   648,328 4,120 SH   SOLE   0 0 4,120
EMERSON ELEC CO COM 291011104   338,213 3,742 SH   SOLE   0 0 3,742
ENTERPRISE PRODS PARTNERS L COM 293792107   244,432 9,276 SH   SOLE   0 0 9,276
EXXON MOBIL CORP COM 30231G102   956,671 8,920 SH   SOLE   0 0 8,920
FISERV INC COM 337738108   276,016 2,188 SH   SOLE   0 0 2,188
HOME DEPOT INC COM 437076102   439,777 1,416 SH   SOLE   0 0 1,416
HP INC COM 40434L105   208,778 6,798 SH   SOLE   0 0 6,798
ISHARES TR MSCI INTL QUALTY 46434V456   21,729,614 610,382 SH   SOLE   0 0 610,382
ISHARES TR CORE S&P500 ETF 464287200   84,258,445 189,043 SH   SOLE   0 0 189,043
ISHARES TR RUS 1000 GRW ETF 464287614   371,602 1,350 SH   SOLE   0 0 1,350
ISHARES TR RUS MID CAP ETF 464287499   680,746 9,321 SH   SOLE   0 0 9,321
ISHARES TR RUS 1000 VAL ETF 464287598   436,796 2,768 SH   SOLE   0 0 2,768
ISHARES TR CORE S&P SCP ETF 464287804   23,695,334 237,786 SH   SOLE   0 0 237,786
ISHARES TR RUS TOP 200 ETF 464289446   10,471,426 98,194 SH   SOLE   0 0 98,194
JOHNSON & JOHNSON COM 478160104   248,746 1,503 SH   SOLE   0 0 1,503
JPMORGAN CHASE & CO COM 46625H100   793,490 5,456 SH   SOLE   0 0 5,456
LOCKHEED MARTIN CORP COM 539830109   511,487 1,111 SH   SOLE   0 0 1,111
MARSH & MCLENNAN COS INC COM 571748102   305,283 1,623 SH   SOLE   0 0 1,623
MICROSOFT CORP COM 594918104   1,678,489 4,929 SH   SOLE   0 0 4,929
PEPSICO INC COM 713448108   1,002,274 5,411 SH   SOLE   0 0 5,411
PROCTER AND GAMBLE CO COM 742718109   852,031 5,615 SH   SOLE   0 0 5,615
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   692,367 15,807 SH   SOLE   0 0 15,807
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   342,065 6,780 SH   SOLE   0 0 6,780
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   79,132,779 1,089,683 SH   SOLE   0 0 1,089,683
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   570,199 9,904 SH   SOLE   0 0 9,904
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   23,877,781 318,583 SH   SOLE   0 0 318,583
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,526,468 29,148 SH   SOLE   0 0 29,148
SPDR SER TR PORTFOLI S&P1500 78464A805   220,572 4,052 SH   SOLE   0 0 4,052
STARBUCKS CORP COM 855244109   439,196 4,434 SH   SOLE   0 0 4,434
STRYKER CORPORATION COM 863667101   360,980 1,183 SH   SOLE   0 0 1,183
TARGET CORP COM 87612E106   676,278 5,127 SH   SOLE   0 0 5,127
TESLA INC COM 88160R101   244,231 933 SH   SOLE   0 0 933
TRAVELERS COMPANIES INC COM 89420G109   283,392 1,632 SH   SOLE   0 0 1,632
UNION PAC CORP COM 907818108   1,064,125 5,200 SH   SOLE   0 0 5,200
UNITED PARCEL SERVICE INC CL B 911312106   526,033 2,935 SH   SOLE   0 0 2,935
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   40,981,691 100,623 SH   SOLE   0 0 100,623
VANGUARD INDEX FDS MID CAP ETF 922908629   22,576,782 102,547 SH   SOLE   0 0 102,547
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   669,007 4,119 SH   SOLE   0 0 4,119
WALMART INC COM 931142103   237,245 1,509 SH   SOLE   0 0 1,509
WESTERN ALLIANCE BANCORP COM 957638109   327,290 8,974 SH   SOLE   0 0 8,974
XCEL ENERGY INC COM 98389B100   1,015,406 16,333 SH   SOLE   0 0 16,333
YUM BRANDS INC COM 988498101   235,039 1,696 SH   SOLE   0 0 1,696