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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
AMAZON COM INC COM 023135106   5,604,085 44,085 SH   SOLE   0 0 44,085
APPLE INC COM 037833100   483,073 2,822 SH   SOLE   0 0 2,822
ARCHER DANIELS MIDLAND CO COM 039483102   2,989,875 39,643 SH   SOLE   0 0 39,643
AUTOMATIC DATA PROCESSING IN COM 053015103   288,696 1,200 SH   SOLE   0 0 1,200
COSTCO WHSL CORP NEW COM 22160K105   255,927 453 SH   SOLE   0 0 453
DBX ETF TR XTRACK USD HIGH 233051432   2,411,893 71,147 SH   SOLE   0 0 71,147
FRANKLIN TEMPLETON ETF TR FTSE EUROPE 35473P652   265,773 10,438 SH   SOLE   0 0 10,438
HP INC COM 40434L105   316,727 12,324 SH   SOLE   0 0 12,324
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   2,083,268 14,703 SH   SOLE   0 0 14,703
ISHARES INC CORE MSCI EMKT 46434G103   7,116,802 149,544 SH   SOLE   0 0 149,544
ISHARES TR NATIONAL MUN ETF 464288414   8,006,118 78,078 SH   SOLE   0 0 78,078
ISHARES TR JPMORGAN USD EMG 464288281   1,774,021 21,498 SH   SOLE   0 0 21,498
ISHARES TR CORE MSCI EAFE 46432F842   17,995,919 279,657 SH   SOLE   0 0 279,657
MICROSOFT CORP COM 594918104   726,345 2,300 SH   SOLE   0 0 2,300
NIKE INC CL B 654106103   307,323 3,214 SH   SOLE   0 0 3,214
PIMCO ETF TR INTER MUN BD ACT 72201R866   892,398 17,823 SH   SOLE   0 0 17,823
PROCTER AND GAMBLE CO COM 742718109   237,752 1,630 SH   SOLE   0 0 1,630
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   846,567 16,731 SH   SOLE   0 0 16,731
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   11,711,894 161,055 SH   SOLE   0 0 161,055
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   11,728,743 181,954 SH   SOLE   0 0 181,954
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   388,186 2,368 SH   SOLE   0 0 2,368
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,364,872 5,532 SH   SOLE   0 0 5,532
SPDR SER TR NUVEEN BLOOMBERG 78464A284   252,373 10,595 SH   SOLE   0 0 10,595
STARBUCKS CORP COM 855244109   220,338 2,414 SH   SOLE   0 0 2,414
TESLA INC COM 88160R101   1,887,660 7,544 SH   SOLE   0 0 7,544
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   1,872,835 78,460 SH   SOLE   0 0 78,460
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   1,819,565 37,081 SH   SOLE   0 0 37,081
VANGUARD BD INDEX FDS INTERMED TERM 921937819   239,076 3,306 SH   SOLE   0 0 3,306
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   79,778,996 1,143,293 SH   SOLE   0 0 1,143,293
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   47,081,487 626,333 SH   SOLE   0 0 626,333
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   3,254,852 68,050 SH   SOLE   0 0 68,050
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,368,664 21,121 SH   SOLE   0 0 21,121
VANGUARD INDEX FDS VALUE ETF 922908744   5,256,650 38,111 SH   SOLE   0 0 38,111
VANGUARD INDEX FDS GROWTH ETF 922908736   71,227,974 261,569 SH   SOLE   0 0 261,569
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,069,438 21,523 SH   SOLE   0 0 21,523
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,298,443 15,400 SH   SOLE   0 0 15,400
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   885,161 11,699 SH   SOLE   0 0 11,699
VANGUARD INDEX FDS TOTAL STK MKT 922908769   570,265 2,685 SH   SOLE   0 0 2,685
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,030,659 5,171 SH   SOLE   0 0 5,171
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   237,138 6,091 SH   SOLE   0 0 6,091
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   400,023 7,712 SH   SOLE   0 0 7,712
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,457,563 139,188 SH   SOLE   0 0 139,188
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   366,814 7,758 SH   SOLE   0 0 7,758
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   279,798 5,817 SH   SOLE   0 0 5,817
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   14,404,255 92,703 SH   SOLE   0 0 92,703
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   10,792,637 246,858 SH   SOLE   0 0 246,858
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   63,226,093 611,944 SH   SOLE   0 0 611,944
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   385,978 3,806 SH   SOLE   0 0 3,806
VANGUARD WORLD FD ESG INTL STK ETF 921910725   249,224 4,941 SH   SOLE   0 0 4,941
VANGUARD WORLD FD ESG US STK ETF 921910733   215,505 2,865 SH   SOLE   0 0 2,865