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
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   6,825,625 226,464 SH   SOLE   226,464 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   16,095,982 728,325 SH   SOLE   728,325 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   35,068,663 1,434,888 SH   SOLE   1,434,888 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   14,587,290 520,046 SH   SOLE   520,046 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   35,040,370 475,898 SH   SOLE   475,898 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,091,754 1,922 SH   SOLE   1,922 0 0
MICROSOFT CORP COM 594918104   204,436 411 SH   SOLE   411 0 0
NVIDIA CORPORATION COM 67066G104   219,448 1,389 SH   SOLE   1,389 0 0