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
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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
VANGUARD INDEX FDS GROWTH ETF 922908736   7,913,927 18,052 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   7,738,406 264,923 SH   SOLE   0 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   7,696,601 43,548 SH   SOLE   0 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   6,198,868 125,204 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   5,725,730 206,929 SH   SOLE   0 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   5,521,271 79,914 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   5,238,817 77,935 SH   SOLE   0 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   5,058,505 124,932 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,030,528 227,626 SH   SOLE   0 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   4,793,868 65,108 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   4,606,828 188,959 SH   SOLE   0 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   4,509,468 57,299 SH   SOLE   0 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   4,284,456 15,311 SH   SOLE   0 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,078,471 20,914 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US MID CAP ETF 808524508   3,991,872 142,313 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   3,480,326 149,756 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,451,960 136,441 SH   SOLE   0 0 0
ISHARES TR CORE S&P US GWT 464287671   3,358,249 22,329 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   3,257,050 38,224 SH   SOLE   0 0 0
ISHARES TR CORE S&P US VLU 464287663   2,855,355 30,174 SH   SOLE   0 0 0
ISHARES TR CORE US AGGBD ET 464287226   2,776,031 27,984 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   2,674,073 34,580 SH   SOLE   0 0 0
ISHARES TR TIPS BD ETF 464287176   2,319,335 21,077 SH   SOLE   0 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   2,231,352 106,661 SH   SOLE   0 0 0
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   2,162,049 20,595 SH   SOLE   0 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,961,900 21,948 SH   SOLE   0 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   1,960,233 19,364 SH   SOLE   0 0 0
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508   1,863,061 35,595 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,768,972 66,303 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   1,720,206 15,753 SH   SOLE   0 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,646,963 26,555 SH   SOLE   0 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,218,233 1,972 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,310,696 26,500 SH   SOLE   0 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,277,144 11,686 SH   SOLE   0 0 0
MICROSOFT CORP COM 594918104   1,105,262 2,222 SH   SOLE   0 0 0
ISHARES TR CORE INTL AGGR 46435G672   1,033,417 20,227 SH   SOLE   0 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   959,590 11,581 SH   SOLE   0 0 0
ISHARES TR SP SMCP600VL ETF 464287879   944,310 9,492 SH   SOLE   0 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   920,303 3,122 SH   SOLE   0 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   907,003 15,910 SH   SOLE   0 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   874,407 3,690 SH   SOLE   0 0 0
ISHARES TR CORE MSCI INTL 46435G326   818,271 10,761 SH   SOLE   0 0 0
ISHARES TR SHORT TREAS BD 464288679   749,439 6,787 SH   SOLE   0 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   724,309 6,579 SH   SOLE   0 0 0
SPDR SERIES TRUST PORTFOLIO S&P400 78464A847   710,060 13,057 SH   SOLE   0 0 0
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409   711,170 7,461 SH   SOLE   0 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   282,381 929 SH   SOLE   0 0 0
ISHARES TR CORE TOTAL USD 46434V613   618,085 13,370 SH   SOLE   0 0 0
ISHARES TR S&P 500 VAL ETF 464287408   583,306 2,985 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   557,285 9,481 SH   SOLE   0 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   474,251 9,511 SH   SOLE   0 0 0
JPMORGAN CHASE & CO. COM 46625H100   469,944 1,621 SH   SOLE   0 0 0
APPLE INC COM 037833100   467,988 2,281 SH   SOLE   0 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   458,478 5,930 SH   SOLE   0 0 0
ISHARES TR MORNINGSTAR GRWT 464287119   444,069 4,583 SH   SOLE   0 0 0
GOLDMAN SACHS ETF TR ACCESS INVT GR 381430479   436,543 9,486 SH   SOLE   0 0 0
SPDR SERIES TRUST PORTFOLIO S&P600 78468R853   429,710 10,087 SH   SOLE   0 0 0
EXXON MOBIL CORP COM 30231G102   428,145 3,972 SH   SOLE   0 0 0
ISHARES TR CORE 60 40 BALAN 464289867   404,364 6,568 SH   SOLE   0 0 0
ISHARES TR CORE 30 70 CONSE 464289883   376,662 9,641 SH   SOLE   0 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   357,480 4,909 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   338,255 4,079 SH   SOLE   0 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   337,541 795 SH   SOLE   0 0 0
SPDR SERIES TRUST BLOOMBERG INVT 78468R200   294,937 9,567 SH   SOLE   0 0 0
ISHARES TR CORE 80 20 AGGRE 464289859   233,189 2,796 SH   SOLE   0 0 0
HONEYWELL INTL INC COM 438516106   249,182 1,070 SH   SOLE   0 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   223,920 2,895 SH   SOLE   0 0 0