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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
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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
APPLE INC COM 037833100   460,616 3,977 SH   SOLE   3,977 0 0
CHEVRON CORP NEW COM 166764100   403,418 5,603 SH   SOLE   5,603 0 0
CONOCOPHILLIPS COM 20825C104   386,634 11,773 SH   SOLE   11,773 0 0
EXXON MOBIL CORP COM 30231G102   255,376 7,439 SH   SOLE   7,439 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   278,657 1,003 SH   SOLE   1,003 0 0
ISHARES INC CORE MSCI EMKT 46434G103   4,687,586 88,780 SH   SOLE   88,780 0 0
ISHARES TR CORE MSCI EAFE 46432F842   220,265 3,654 SH   SOLE   3,654 0 0
ISHARES TR CORE MSCI INTL 46435G326   1,953,937 36,211 SH   SOLE   36,211 0 0
ISHARES TR CORE S&P500 ETF 464287200   66,335,661 197,392 SH   SOLE   197,392 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,533,180 8,274 SH   SOLE   8,274 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,129,665 33,459 SH   SOLE   33,459 0 0
ISHARES TR EAFE GRWTH ETF 464288885   12,371,712 137,647 SH   SOLE   137,647 0 0
ISHARES TR EAFE SML CP ETF 464288273   9,227,118 156,418 SH   SOLE   156,418 0 0
ISHARES TR EAFE VALUE ETF 464288877   16,453,422 407,768 SH   SOLE   407,768 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   5,459,604 123,829 SH   SOLE   123,829 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   4,857,738 32,430 SH   SOLE   32,430 0 0
ISHARES TR CORE US AGGBD ET 464287226   692,259 5,864 SH   SOLE   5,864 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   8,060,946 146,803 SH   SOLE   146,803 0 0
ISHARES TR CRE U S REIT ETF 464288521   1,513,336 34,598 SH   SOLE   34,598 0 0
MICROSOFT CORP COM 594918104   213,652 1,016 SH   SOLE   1,016 0 0
NOBLE ENERGY INC COM 655044105   227,242 26,578 SH   SOLE   26,578 0 0
PHILLIPS 66 COM 718546104   264,228 5,097 SH   SOLE   5,097 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775   275,787 2,453 SH   SOLE   2,453 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,864,958 69,692 SH   SOLE   69,692 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   560,035 23,610 SH   SOLE   23,610 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   808,880 32,921 SH   SOLE   32,921 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   784,252 26,229 SH   SOLE   26,229 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   1,799,889 46,473 SH   SOLE   46,473 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   1,583,134 47,901 SH   SOLE   47,901 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,030,613 32,822 SH   SOLE   32,822 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,311,073 28,663 SH   SOLE   28,663 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   398,067 3,456 SH   SOLE   3,456 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,557,139 22,792 SH   SOLE   22,792 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   630,425 11,242 SH   SOLE   11,242 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   977,737 27,643 SH   SOLE   27,643 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   229,845 4,463 SH   SOLE   4,463 0 0
SPDR GOLD TR GOLD SHS 78463V107   383,111 2,163 SH   SOLE   2,163 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,517,208 4,530 SH   SOLE   4,530 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   2,349,829 85,823 SH   SOLE   85,823 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300   3,029,193 60,475 SH   SOLE   60,475 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   11,694,089 125,097 SH   SOLE   125,097 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   7,670,084 68,581 SH   SOLE   68,581 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,336,544 15,150 SH   SOLE   15,150 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407   16,283,778 279,862 SH   SOLE   279,862 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   15,749,565 121,412 SH   SOLE   121,412 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   27,056,732 118,873 SH   SOLE   118,873 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   348,819 2,230 SH   SOLE   2,230 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   7,806,352 44,289 SH   SOLE   44,289 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   473,218 1,538 SH   SOLE   1,538 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   43,187,848 280,805 SH   SOLE   280,805 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   22,432,728 202,773 SH   SOLE   202,773 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   335,945 1,973 SH   SOLE   1,973 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   16,558,708 158,441 SH   SOLE   158,441 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   21,376,619 270,727 SH   SOLE   270,727 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   433,457 10,024 SH   SOLE   10,024 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   4,633,705 95,324 SH   SOLE   95,324 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   14,778,192 142,427 SH   SOLE   142,427 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771   1,240,994 22,867 SH   SOLE   22,867 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   16,752,887 409,606 SH   SOLE   409,606 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873   285,679 2,383 SH   SOLE   2,383 0 0