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
ADOBE SYSTEMS INCORPORATED COM 00724F101 333 665 SH   SOLE   0 0 665
ADVANCED MICRO DEVICES INC COM 007903107 270 2,940 SH   SOLE   0 0 2,940
AGILENT TECHNOLOGIES INC COM 00846U101 226 1,906 SH   SOLE   0 0 1,906
ALPHABET INC CAP STK CL A 02079K305 545 311 SH   SOLE   0 0 311
ALPHABET INC CAP STK CL C 02079K107 597 341 SH   SOLE   0 0 341
AMAZON COM INC COM 023135106 905 278 SH   SOLE   0 0 278
APPLE INC COM 037833100 2,790 21,030 SH   SOLE   0 0 21,030
APPLIED MATLS INC COM 038222105 527 6,112 SH   SOLE   0 0 6,112
CISCO SYS INC COM 17275R102 763 17,058 SH   SOLE   0 0 17,058
DISNEY WALT CO COM 254687106 231 1,277 SH   SOLE   0 0 1,277
EBAY INC. COM 278642103 243 4,829 SH   SOLE   0 0 4,829
GENERAL ELECTRIC CO COM 369604103 236 21,880 SH   SOLE   0 0 21,880
INTERNATIONAL BUSINESS MACHS COM 459200101 207 1,646 SH   SOLE   0 0 1,646
INTUIT COM 461202103 236 622 SH   SOLE   0 0 622
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 265 12,516 SH   SOLE   0 0 12,516
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 808 23,391 SH   SOLE   0 0 23,391
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 346 6,152 SH   SOLE   0 0 6,152
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 329 2,177 SH   SOLE   0 0 2,177
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 234 1,436 SH   SOLE   0 0 1,436
ISHARES INC CORE MSCI EMKT 46434G103 436 7,021 SH   SOLE   0 0 7,021
ISHARES INC MSCI EMERG MKT 46434G889 3,922 79,824 SH   SOLE   0 0 79,824
ISHARES INC MSCI EMERG MRKT 464286533 8,703 142,478 SH   SOLE   0 0 142,478
ISHARES TR CORE MSCI EAFE 46432F842 3,065 44,365 SH   SOLE   0 0 44,365
ISHARES TR CORE S&P TTL STK 464287150 1,925 22,326 SH   SOLE   0 0 22,326
ISHARES TR ESG AWR MSCI USA 46435G425 357 4,150 SH   SOLE   0 0 4,150
ISHARES TR MSCI EAFE ETF 464287465 843 11,556 SH   SOLE   0 0 11,556
ISHARES TR MSCI EAFE MIN VL 46429B689 303 4,127 SH   SOLE   0 0 4,127
ISHARES TR MSCI EMG MKT ETF 464287234 677 13,103 SH   SOLE   0 0 13,103
ISHARES TR MSCI INTL MULTFT 46434V274 5,711 210,132 SH   SOLE   0 0 210,132
ISHARES TR MSCI INTL QUALTY 46434V456 4,676 131,137 SH   SOLE   0 0 131,137
ISHARES TR MSCI USA MULTIFT 46434V282 7,680 203,886 SH   SOLE   0 0 203,886
ISHARES TR MSCI USA QLT FCT 46432F339 7,598 65,384 SH   SOLE   0 0 65,384
ISHARES TR MSCI USA SMCP MN 46435G433 3,820 112,718 SH   SOLE   0 0 112,718
ISHARES TR MSCI USA SML CP 46434V290 2,957 64,616 SH   SOLE   0 0 64,616
ISHARES TR NATIONAL MUN ETF 464288414 1,229 10,484 SH   SOLE   0 0 10,484
ISHARES TR RUSSELL 2000 ETF 464287655 750 3,825 SH   SOLE   0 0 3,825
ISHARES TR RUSSELL 3000 ETF 464287689 297 1,330 SH   SOLE   0 0 1,330
MERCK & CO. INC COM 58933Y105 304 3,711 SH   SOLE   0 0 3,711
METTLER TOLEDO INTERNATIONAL COM 592688105 296 260 SH   SOLE   0 0 260
NORTONLIFELOCK INC COM 668771108 360 17,303 SH   SOLE   0 0 17,303
PAYPAL HLDGS INC COM 70450Y103 491 2,097 SH   SOLE   0 0 2,097
PEPSICO INC COM 713448108 349 2,356 SH   SOLE   0 0 2,356
PROCTER AND GAMBLE CO COM 742718109 1,044 7,501 SH   SOLE   0 0 7,501
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 671 21,895 SH   SOLE   0 0 21,895
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,549 98,563 SH   SOLE   0 0 98,563
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 506 11,279 SH   SOLE   0 0 11,279
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 336 7,429 SH   SOLE   0 0 7,429
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 262 6,112 SH   SOLE   0 0 6,112
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 2,119 74,966 SH   SOLE   0 0 74,966
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 880 30,049 SH   SOLE   0 0 30,049
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 4,455 128,101 SH   SOLE   0 0 128,101
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 854 15,235 SH   SOLE   0 0 15,235
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,653 29,157 SH   SOLE   0 0 29,157
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 614 6,751 SH   SOLE   0 0 6,751
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,683 49,873 SH   SOLE   0 0 49,873
SPDR S&P 500 ETF TR TR UNIT 78462F103 356 953 SH   SOLE   0 0 953
SPDR SER TR PORTFOLI S&P1500 78464A805 1,094 23,737 SH   SOLE   0 0 23,737
VANGUARD INDEX FDS LARGE CAP ETF 922908637 11,498 65,425 SH   SOLE   0 0 65,425
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,018 10,367 SH   SOLE   0 0 10,367
VANGUARD INDEX FDS TOTAL STK MKT 922908769 24,603 126,400 SH   SOLE   0 0 126,400
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,181 54,505 SH   SOLE   0 0 54,505
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,070 41,309 SH   SOLE   0 0 41,309
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 212 1,737 SH   SOLE   0 0 1,737
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,838 33,307 SH   SOLE   0 0 33,307
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,163 22,402 SH   SOLE   0 0 22,402
VANGUARD STAR FDS VG TL INTL STK F 921909768 450 7,478 SH   SOLE   0 0 7,478
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 7,501 158,895 SH   SOLE   0 0 158,895
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 2,490 30,588 SH   SOLE   0 0 30,588
WISDOMTREE TR YIELD ENHANCD US 97717X511 2,088 38,895 SH   SOLE   0 0 38,895