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
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 121 2,336 SH   SOLE   0 0 2,336
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 15 490 SH   SOLE   0 0 490
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 24 620 SH   SOLE   0 0 620
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 42 366 SH   SOLE   0 0 366
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 25 241 SH   SOLE   0 0 241
VANGUARD WORLD FD ESG US STK ETF 921910733 4,193 47,702 SH   SOLE   0 0 47,702
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 4,488 33,503 SH   SOLE   0 0 33,503
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 12,692 248,571 SH   SOLE   0 0 248,571
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,188 104,901 SH   SOLE   0 0 104,901
VANGUARD INDEX FDS LARGE CAP ETF 922908637 12,264 55,486 SH   SOLE   0 0 55,486
VANGUARD INDEX FDS VALUE ETF 922908744 5,993 40,738 SH   SOLE   0 0 40,738
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,512 33,239 SH   SOLE   0 0 33,239
VANGUARD INDEX FDS SM CP VAL ETF 922908611 7,133 39,880 SH   SOLE   0 0 39,880
ISHARES TR IBOXX HI YD ETF 464288513 4,930 56,659 SH   SOLE   0 0 56,659
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 91 1,680 SH   SOLE   0 0 1,680
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 17,666 321,731 SH   SOLE   0 0 321,731
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 15,929 187,958 SH   SOLE   0 0 187,958
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 9,467 171,631 SH   SOLE   0 0 171,631
SCHWAB STRATEGIC TR US REIT ETF 808524847 11 201 SH   SOLE   0 0 201
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 6,100 52,580 SH   SOLE   0 0 52,580
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 5,733 199,767 SH   SOLE   0 0 199,767