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
AMAZON COM INC COM 023135106   4,596,405 44,500 SH   SOLE   0 0 44,500
APPLE INC COM 037833100   314,403 1,907 SH   SOLE   0 0 1,907
ARCHER DANIELS MIDLAND CO COM 039483102   3,179,549 39,914 SH   SOLE   0 0 39,914
AUTOMATIC DATA PROCESSING IN COM 053015103   267,156 1,200 SH   SOLE   0 0 1,200
COSTCO WHSL CORP NEW COM 22160K105   271,291 546 SH   SOLE   0 0 546
DBX ETF TR XTRACK USD HIGH 233051432   2,399,488 69,050 SH   SOLE   0 0 69,050
FRANKLIN TEMPLETON ETF TR FTSE EUROPE 35473P652   277,365 10,438 SH   SOLE   0 0 10,438
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   337,398 2,333 SH   SOLE   0 0 2,333
ISHARES INC CORE MSCI EMKT 46434G103   5,548,643 113,725 SH   SOLE   0 0 113,725
ISHARES TR JPMORGAN USD EMG 464288281   1,786,169 20,702 SH   SOLE   0 0 20,702
ISHARES TR NATIONAL MUN ETF 464288414   8,149,669 75,642 SH   SOLE   0 0 75,642
ISHARES TR CORE MSCI EAFE 46432F842   14,351,291 214,679 SH   SOLE   0 0 214,679
MICROSOFT CORP COM 594918104   609,051 2,113 SH   SOLE   0 0 2,113
NIKE INC CL B 654106103   427,278 3,484 SH   SOLE   0 0 3,484
PIMCO ETF TR INTER MUN BD ACT 72201R866   863,178 16,517 SH   SOLE   0 0 16,517
PROCTER AND GAMBLE CO COM 742718109   242,365 1,630 SH   SOLE   0 0 1,630
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,255,909 25,965 SH   SOLE   0 0 25,965
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   14,067,403 215,857 SH   SOLE   0 0 215,857
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   13,294,052 202,715 SH   SOLE   0 0 202,715
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   357,592 2,368 SH   SOLE   0 0 2,368
SELECT SECTOR SPDR TR ENERGY 81369Y506   207,738 2,508 SH   SOLE   0 0 2,508
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,347,372 5,734 SH   SOLE   0 0 5,734
SPDR SER TR NUVEEN BLOOMBERG 78464A284   302,233 12,070 SH   SOLE   0 0 12,070
STARBUCKS CORP COM 855244109   249,573 2,397 SH   SOLE   0 0 2,397
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   2,465,101 47,644 SH   SOLE   0 0 47,644
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   2,023,661 80,145 SH   SOLE   0 0 80,145
VANGUARD BD INDEX FDS INTERMED TERM 921937819   251,899 3,283 SH   SOLE   0 0 3,283
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   77,125,814 1,044,641 SH   SOLE   0 0 1,044,641
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   44,636,987 583,566 SH   SOLE   0 0 583,566
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   3,085,929 63,081 SH   SOLE   0 0 63,081
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,562,178 22,438 SH   SOLE   0 0 22,438
VANGUARD INDEX FDS VALUE ETF 922908744   5,845,368 42,324 SH   SOLE   0 0 42,324
VANGUARD INDEX FDS GROWTH ETF 922908736   68,819,622 275,896 SH   SOLE   0 0 275,896
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,650,428 16,868 SH   SOLE   0 0 16,868
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   855,283 10,300 SH   SOLE   0 0 10,300
VANGUARD INDEX FDS TOTAL STK MKT 922908769   560,127 2,744 SH   SOLE   0 0 2,744
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,175,934 22,030 SH   SOLE   0 0 22,030
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,157,734 5,738 SH   SOLE   0 0 5,738
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   247,128 6,091 SH   SOLE   0 0 6,091
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   405,455 7,583 SH   SOLE   0 0 7,583
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,710,762 141,355 SH   SOLE   0 0 141,355
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   517,519 10,822 SH   SOLE   0 0 10,822
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   357,508 7,057 SH   SOLE   0 0 7,057
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   15,805,491 102,626 SH   SOLE   0 0 102,626
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   12,748,207 282,227 SH   SOLE   0 0 282,227
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   60,202,955 570,644 SH   SOLE   0 0 570,644
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   443,151 4,387 SH   SOLE   0 0 4,387
VANGUARD WORLD FD ESG INTL STK ETF 921910725   246,197 4,702 SH   SOLE   0 0 4,702
VANGUARD WORLD FD ESG US STK ETF 921910733   205,449 2,865 SH   SOLE   0 0 2,865