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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 9,258 113,886 SH   SOLE   113,886 0 0
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 7,927 90,580 SH   SOLE   90,580 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 463 5,849 SH   SOLE   5,849 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 20,230 372,911 SH   SOLE   372,911 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 423 2,074 SH   SOLE   2,074 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 18,365 233,737 SH   SOLE   233,737 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 341 8,733 SH   SOLE   8,733 0 0
ISHARES TR MSCI EAFE ETF 464287465 366 6,230 SH   SOLE   6,230 0 0
ALPHABET INC CAP STK CL C 02079K107 362 350 SH   SOLE   350 0 0
ALPHABET INC CAP STK CL A 02079K305 381 365 SH   SOLE   365 0 0
JOHNSON & JOHNSON COM 478160104 1,917 14,857 SH   SOLE   14,857 0 0
LILLY ELI & CO COM 532457108 505 4,367 SH   SOLE   4,367 0 0
ISHARES TR MBS ETF 464288588 4,378 41,830 SH   SOLE   41,830 0 0
MICROSOFT CORP COM 594918104 584 5,752 SH   SOLE   5,752 0 0
ISHARES TR NATIONAL MUN ETF 464288414 343 3,147 SH   SOLE   3,147 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 332 5,484 SH   SOLE   5,484 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 213 2,334 SH   SOLE   2,334 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 83,830 1,398,791 SH   SOLE   1,398,791 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 538 9,006 SH   SOLE   9,006 0 0
AT&T INC COM 00206R102 343 12,024 SH   SOLE   12,024 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,420 56,706 SH   SOLE   56,706 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 40,227 1,084,278 SH   SOLE   1,084,278 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 994 19,314 SH   SOLE   19,314 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 700 5,487 SH   SOLE   5,487 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,469 248,533 SH   SOLE   248,533 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 329 5,859 SH   SOLE   5,859 0 0
EXXON MOBIL CORP COM 30231G102 311 4,557 SH   SOLE   4,557 0 0