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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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
ISHARES TR CORE S&P SCP ETF 464287804 734 8,754 SH   SOLE   0 0 8,754
ISHARES TR CORE S&P500 ETF 464287200 336 1,038 SH   SOLE   0 0 1,038
ISHARES TR RUS 1000 ETF 464287622 1,170 6,556 SH   SOLE   0 0 6,556
ISHARES TR RUS 1000 VAL ETF 464287598 1,215 8,904 SH   SOLE   0 0 8,904
ISHARES TR RUS 1000 GRW ETF 464287614 544 3,092 SH   SOLE   0 0 3,092
ISHARES TR RUSSELL 2000 ETF 464287655 3,182 19,206 SH   SOLE   0 0 19,206
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 630 1,679 SH   SOLE   0 0 1,679
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,401 10,567 SH   SOLE   0 0 10,567
AMAZON COM INC COM 023135106 586 317 SH   SOLE   0 0 317
BRISTOL MYERS SQUIBB CO COM 110122108 305 4,757 SH   SOLE   0 0 4,757
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 557 2,460 SH   SOLE   0 0 2,460
INTEL CORP COM 458140100 2,018 33,712 SH   SOLE   0 0 33,712
ORACLE CORP COM 68389X105 466 8,799 SH   SOLE   0 0 8,799
DISNEY WALT CO COM DISNEY 254687106 237 1,642 SH   SOLE   0 0 1,642
JOHNSON & JOHNSON COM 478160104 869 5,957 SH   SOLE   0 0 5,957
CHEVRON CORP NEW COM 166764100 396 3,283 SH   SOLE   0 0 3,283
MICROSOFT CORP COM 594918104 647 4,103 SH   SOLE   0 0 4,103
CISCO SYS INC COM 17275R102 273 5,692 SH   SOLE   0 0 5,692
COCA COLA CO COM 191216100 1,607 29,032 SH   SOLE   0 0 29,032
ISHARES TR RUS MID CAP ETF 464287499 360 6,036 SH   SOLE   0 0 6,036
ISHARES TR RUS MD CP GR ETF 464287481 325 2,132 SH   SOLE   0 0 2,132
BANK AMER CORP COM 060505104 235 6,670 SH   SOLE   0 0 6,670
STARBUCKS CORP COM 855244109 371 4,220 SH   SOLE   0 0 4,220
AEGON N V NY REGISTRY SHS 007924103 47 10,463 SH   SOLE   0 0 10,463
TEXAS INSTRS INC COM 882508104 485 3,782 SH   SOLE   0 0 3,782
GENERAL ELECTRIC CO COM 369604103 132 11,846 SH   SOLE   0 0 11,846
NIKE INC CL B 654106103 817 8,067 SH   SOLE   0 0 8,067
JPMORGAN CHASE & CO COM 46625H100 262 1,883 SH   SOLE   0 0 1,883
TJX COS INC NEW COM 872540109 630 10,313 SH   SOLE   0 0 10,313
WELLS FARGO CO NEW COM 949746101 2,406 44,729 SH   SOLE   0 0 44,729
VANGUARD INDEX FDS TOTAL STK MKT 922908769 443 2,705 SH   SOLE   0 0 2,705
APPLE INC COM 037833100 1,732 5,897 SH   SOLE   0 0 5,897
ISHARES TR MSCI EMG MKT ETF 464287234 472 10,522 SH   SOLE   0 0 10,522
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 394 3,127 SH   SOLE   0 0 3,127
AMERICAN EXPRESS CO COM 025816109 2,882 23,148 SH   SOLE   0 0 23,148
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 204 3,450 SH   SOLE   0 0 3,450
ISHARES TR SELECT DIVID ETF 464287168 1,402 13,268 SH   SOLE   0 0 13,268
MID AMER APT CMNTYS INC COM 59522J103 207 1,569 SH   SOLE   0 0 1,569
PRICE T ROWE GROUP INC COM 74144T108 984 8,075 SH   SOLE   0 0 8,075
ALPHABET INC CAP STK CL A 02079K305 293 219 SH   SOLE   0 0 219
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 10,605 114,294 SH   SOLE   0 0 114,294
SPDR SERIES TRUST S&P DIVID ETF 78464A763 874 8,123 SH   SOLE   0 0 8,123
SALESFORCE COM INC COM 79466L302 249 1,530 SH   SOLE   0 0 1,530
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 728 9,029 SH   SOLE   0 0 9,029
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 527 6,043 SH   SOLE   0 0 6,043
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 262 5,949 SH   SOLE   0 0 5,949
ISHARES TR NATIONAL MUN ETF 464288414 321 2,815 SH   SOLE   0 0 2,815
ISHARES TR EAFE SML CP ETF 464288273 1,015 16,290 SH   SOLE   0 0 16,290
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 895 11,658 SH   SOLE   0 0 11,658
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 389 5,139 SH   SOLE   0 0 5,139
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,725 18,568 SH   SOLE   0 0 18,568
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 965 3,264 SH   SOLE   0 0 3,264
SLACK TECHNOLOGIES INC COM CL A 83088V102 1,096 48,761 SH   SOLE   0 0 48,761
SCHWAB STRATEGIC TR US REIT ETF 808524847 404 8,791 SH   SOLE   0 0 8,791
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 14,077 241,290 SH   SOLE   0 0 241,290
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,663 49,843 SH   SOLE   0 0 49,843
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 214 3,698 SH   SOLE   0 0 3,698
ZYNGA INC CL A 98986T108 232 37,964 SH   SOLE   0 0 37,964
PHILLIPS 66 COM 718546104 201 1,805 SH   SOLE   0 0 1,805
SPDR SERIES TRUST BLOMBERG BRC INV 78468R200 294 9,574 SH   SOLE   0 0 9,574
FACEBOOK INC CL A 30303M102 1,012 4,931 SH   SOLE   0 0 4,931
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 392 6,935 SH   SOLE   0 0 6,935
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 833 25,067 SH   SOLE   0 0 25,067
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 684 17,005 SH   SOLE   0 0 17,005
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 595 19,930 SH   SOLE   0 0 19,930
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1,538 53,198 SH   SOLE   0 0 53,198
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 2,294 53,746 SH   SOLE   0 0 53,746
HILTON WORLDWIDE HLDGS INC COM 43300A203 587 5,291 SH   SOLE   0 0 5,291
ALPHABET INC CAP STK CL C 02079K107 319 238 SH   SOLE   0 0 238
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 538 10,052 SH   SOLE   0 0 10,052
SNAP INC CL A 83304A106 5,668 347,100 SH   SOLE   0 0 347,100
WORLD GOLD TR SPDR GLD MINIS 98149E204 363 24,000 SH   SOLE   0 0 24,000
SONOS INC COM 83570H108 406 26,000 SH   SOLE   0 0 26,000
UPWORK INC COM 91688F104 1,490 139,683 SH   SOLE   0 0 139,683
LYFT INC CL A COM 55087P104 444 10,313 SH   SOLE   0 0 10,313