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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 281 1,401 SH   SOLE   0 0 1,401
ISHARES INC CORE MSCI EMKT 46434G103 5,505 106,462 SH   SOLE   0 0 106,462
ISHARES TR CORE S&P MCP ETF 464287507 42,679 225,338 SH   SOLE   0 0 225,338
ISHARES TR S&P MC 400VL ETF 464287705 14,688 93,573 SH   SOLE   0 0 93,573
ISHARES TR CORE S&P SCP ETF 464287804 11,665 151,199 SH   SOLE   0 0 151,199
ISHARES TR SP SMCP600VL ETF 464287879 10,228 69,325 SH   SOLE   0 0 69,325
ISHARES TR S&P 500 VAL ETF 464287408 20,424 181,156 SH   SOLE   0 0 181,156
ISHARES TR CORE S&P500 ETF 464287200 11,230 39,464 SH   SOLE   0 0 39,464
ISHARES TR RUS 1000 VAL ETF 464287598 420 3,398 SH   SOLE   0 0 3,398
ISHARES TR RUS 2000 VAL ETF 464287630 574 4,791 SH   SOLE   0 0 4,791
ISHARES TR RUSSELL 3000 ETF 464287689 3,566 21,394 SH   SOLE   0 0 21,394
ISHARES TR CORE S&P US VLU 464287663 2,200 40,132 SH   SOLE   0 0 40,132
ISHARES TR MSCI EAFE ETF 464287465 3,203 49,376 SH   SOLE   0 0 49,376
ISHARES TR RUS MID CAP ETF 464287499 258 4,790 SH   SOLE   0 0 4,790
ISHARES TR 1 3 YR TREAS BD 464287457 394 4,682 SH   SOLE   0 0 4,682
ISHARES TR IBOXX INV CP ETF 464287242 734 6,161 SH   SOLE   0 0 6,161
ISHARES TR CORE US AGGBD ET 464287226 1,730 15,859 SH   SOLE   0 0 15,859
ISHARES TR TIPS BD ETF 464287176 3,997 35,350 SH   SOLE   0 0 35,350
ISHARES TR EAFE VALUE ETF 464288877 5,937 121,468 SH   SOLE   0 0 121,468
ISHARES TR SH TR CRPORT ETF 464288646 2,087 39,510 SH   SOLE   0 0 39,510
ISHARES TR INTRM TR CRP ETF 464288638 2,211 40,100 SH   SOLE   0 0 40,100
ISHARES TR EAFE SML CP ETF 464288273 4,107 71,508 SH   SOLE   0 0 71,508
ISHARES TR 0-5 YR TIPS ETF 46429B747 363 3,646 SH   SOLE   0 0 3,646
ISHARES TR USA QUALITY FCTR 46432F339 503 5,686 SH   SOLE   0 0 5,686
ISHARES TR IBONDS DEC20 ETF 46434VAQ3 6,148 243,618 SH   SOLE   0 0 243,618
ISHARES TR IBONDS DEC21 ETF 46434VBK5 8,883 359,361 SH   SOLE   0 0 359,361
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,060 97,730 SH   SOLE   0 0 97,730
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,339 19,153 SH   SOLE   0 0 19,153
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 354 4,451 SH   SOLE   0 0 4,451
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 994 19,810 SH   SOLE   0 0 19,810
SCHWAB STRATEGIC TR US TIPS ETF 808524870 4,009 72,892 SH   SOLE   0 0 72,892
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 216 3,903 SH   SOLE   0 0 3,903
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 720 13,885 SH   SOLE   0 0 13,885
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 875 28,169 SH   SOLE   0 0 28,169
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426 2,181 36,884 SH   SOLE   0 0 36,884
SPDR S&P 500 ETF TR TR UNIT 78462F103 35,977 127,361 SH   SOLE   0 0 127,361
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 7,980 23,104 SH   SOLE   0 0 23,104
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 1,559 25,852 SH   SOLE   0 0 25,852
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 34,069 1,125,119 SH   SOLE   0 0 1,125,119
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 224 4,447 SH   SOLE   0 0 4,447
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 430 12,915 SH   SOLE   0 0 12,915
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 628 22,006 SH   SOLE   0 0 22,006
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 346 2,702 SH   SOLE   0 0 2,702
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 20,951 174,749 SH   SOLE   0 0 174,749
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 18,491 170,098 SH   SOLE   0 0 170,098
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 44,750 562,255 SH   SOLE   0 0 562,255
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 38,348 472,388 SH   SOLE   0 0 472,388
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 2,000 35,860 SH   SOLE   0 0 35,860
VANGUARD GROUP DIV APP ETF 921908844 505 4,602 SH   SOLE   0 0 4,602
VANGUARD INDEX FDS VALUE ETF 922908744 521 4,841 SH   SOLE   0 0 4,841
VANGUARD INDEX FDS MID CAP ETF 922908629 2,256 14,034 SH   SOLE   0 0 14,034
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 16,662 191,712 SH   SOLE   0 0 191,712
VANGUARD INDEX FDS LARGE CAP ETF 922908637 327 2,522 SH   SOLE   0 0 2,522
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,596 24,065 SH   SOLE   0 0 24,065
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 29,861 115,054 SH   SOLE   0 0 115,054
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 283 2,722 SH   SOLE   0 0 2,722
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 688 9,403 SH   SOLE   0 0 9,403
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 25,606 526,001 SH   SOLE   0 0 526,001
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 15,418 177,478 SH   SOLE   0 0 177,478
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 725 9,088 SH   SOLE   0 0 9,088
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 11,450 280,165 SH   SOLE   0 0 280,165