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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
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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
ABBVIE INC COM 00287Y109   215,423 930 SH   SOLE   0 0 930
ALPHABET INC CAP STK CL C 02079K107   471,484 1,935 SH   SOLE   0 0 1,935
AMAZON COM INC COM 023135106   297,109 1,353 SH   SOLE   0 0 1,353
APPLE INC COM 037833100   4,111,391 16,146 SH   SOLE   0 0 16,146
ARES MANAGEMENT CORPORATION CL A COM STK 03990B101   231,759 1,449 SH   SOLE   0 0 1,449
BROADCOM INC COM 11135F101   608,366 1,844 SH   SOLE   0 0 1,844
CATERPILLAR INC COM 149123101   231,284 484 SH   SOLE   0 0 484
EXXON MOBIL CORP COM 30231G102   203,053 1,800 SH   SOLE   0 0 1,800
GALLAGHER ARTHUR J & CO COM 363576109   357,750 1,155 SH   SOLE   0 0 1,155
INVESCO QQQ TR UNIT SER 1 46090E103   547,537 912 SH   SOLE   0 0 912
ISHARES INC CORE MSCI EMKT 46434G103   276,007 4,187 SH   SOLE   0 0 4,187
ISHARES TR CORE S&P TTL STK 464287150   235,079 1,614 SH   SOLE   0 0 1,614
ISHARES TR CORE DIV GRWTH 46434V621   227,387 3,340 SH   SOLE   0 0 3,340
ISHARES TR NATIONAL MUN ETF 464288414   6,270,805 58,886 SH   SOLE   0 0 58,886
ISHARES TR S&P 500 GRWT ETF 464287309   201,602 1,670 SH   SOLE   0 0 1,670
ISHARES TR CRE U S REIT ETF 464288521   562,692 9,582 SH   SOLE   0 0 9,582
JPMORGAN CHASE & CO. COM 46625H100   365,583 1,159 SH   SOLE   0 0 1,159
MICROSOFT CORP COM 594918104   1,225,508 2,366 SH   SOLE   0 0 2,366
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,847,632 122,320 SH   SOLE   0 0 122,320
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,558,055 72,232 SH   SOLE   0 0 72,232
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   376,120 13,481 SH   SOLE   0 0 13,481
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   9,657,708 375,640 SH   SOLE   0 0 375,640
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   9,723,701 227,242 SH   SOLE   0 0 227,242
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   5,335,360 113,979 SH   SOLE   0 0 113,979
SPDR S&P 500 ETF TR TR UNIT 78462F103   297,782 447 SH   SOLE   0 0 447
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508   2,438,527 44,072 SH   SOLE   0 0 44,072
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409   3,053,547 29,217 SH   SOLE   0 0 29,217
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201   281,947 2,989 SH   SOLE   0 0 2,989
SPDR SERIES TRUST S&P DIVID ETF 78464A763   207,274 1,480 SH   SOLE   0 0 1,480
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300   16,620,833 187,488 SH   SOLE   0 0 187,488
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649   948,738 36,701 SH   SOLE   0 0 36,701
SPDR SERIES TRUST PORTFOLI S&P1500 78464A805   1,968,714 24,410 SH   SOLE   0 0 24,410
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   14,151,307 190,282 SH   SOLE   0 0 190,282
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   434,790 710 SH   SOLE   0 0 710
VANGUARD INDEX FDS VALUE ETF 922908744   306,403 1,643 SH   SOLE   0 0 1,643
VANGUARD INDEX FDS SM CP VAL ETF 922908611   9,007,860 43,159 SH   SOLE   0 0 43,159
VANGUARD INDEX FDS SML CP GRW ETF 922908595   991,951 3,332 SH   SOLE   0 0 3,332
VANGUARD INDEX FDS TOTAL STK MKT 922908769   49,760,817 151,631 SH   SOLE   0 0 151,631
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   16,790,532 183,663 SH   SOLE   0 0 183,663
VANGUARD INSTL INDEX FD 0-3 MO TREAS BIL 922040845   2,011,057 26,596 SH   SOLE   0 0 26,596
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   12,177,449 224,759 SH   SOLE   0 0 224,759
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   37,065,993 519,349 SH   SOLE   0 0 519,349
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   202,267 3,995 SH   SOLE   0 0 3,995
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,649,000 92,850 SH   SOLE   0 0 92,850
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649   931,635 5,977 SH   SOLE   0 0 5,977
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   303,185 1,405 SH   SOLE   0 0 1,405
VANGUARD STAR FDS VG TL INTL STK F 921909768   11,684,811 159,063 SH   SOLE   0 0 159,063
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,045,993 17,456 SH   SOLE   0 0 17,456
VISA INC COM CL A 92826C839   210,631 617 SH   SOLE   0 0 617
WISDOMTREE TR US SMALLCAP DIVD 97717W604   213,757 6,346 SH   SOLE   0 0 6,346