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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 735,317 6,143 SH   SOLE   0 0 6,143
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 212,907 1,760 SH   SOLE   0 0 1,760
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,039,621 7,975 SH   SOLE   0 0 7,975
APPLE INC COM 037833100 BBG001S5N8V8 2,302,862 11,872 SH   SOLE   0 0 11,872
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 976,283 2,863 SH   SOLE   0 0 2,863
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 204,398 1,299 SH   SOLE   0 0 1,299
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 488,397 907 SH   SOLE   0 0 907
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,132,568 10,560 SH   SOLE   0 0 10,560
INVESCO EXCHANGE TRADED FD T S&P MDCP400 EQ 46137V225 BBG00KJR2CS6 1,954,783 21,480 SH   SOLE   0 0 21,480
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 5,396,829 36,065 SH   SOLE   0 0 36,065
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 500,096 10,146 SH   SOLE   0 0 10,146
ISHARES TR 3YRTB ETF 464288125 BBG001T33X85 412,245 5,953 SH   SOLE   0 0 5,953
ISHARES TR AGGRES ALLOC ETF 464289859 BBG001T3YVL0 745,298 11,235 SH   SOLE   0 0 11,235
ISHARES TR BLACKROCK ULTRA 46434V878 BBG005PCDCZ5 764,560 15,200 SH   SOLE   0 0 15,200
ISHARES TR COHEN STEER REIT 464287564 BBG001SDX760 322,473 5,803 SH   SOLE   0 0 5,803
ISHARES TR CORE 1 5 YR USD 46432F859 BBG003HC6JD6 22,077,011 473,349 SH   SOLE   0 0 473,349
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,506,093 22,312 SH   SOLE   0 0 22,312
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 1,159,215 19,312 SH   SOLE   0 0 19,312
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 705,181 2,697 SH   SOLE   0 0 2,697
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 619,289 6,215 SH   SOLE   0 0 6,215
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,321,015 5,207 SH   SOLE   0 0 5,207
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 329,602 3,365 SH   SOLE   0 0 3,365
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 402,496 6,824 SH   SOLE   0 0 6,824
ISHARES TR GLOB HLTHCRE ETF 464287325 BBG001SJX8Q3 213,325 2,510 SH   SOLE   0 0 2,510
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 488,030 6,501 SH   SOLE   0 0 6,501
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 14,902,538 297,041 SH   SOLE   0 0 297,041
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 2,349,078 46,452 SH   SOLE   0 0 46,452
ISHARES TR MORNINGSTAR GRWT 464287119 BBG001SBRHJ5 459,893 7,377 SH   SOLE   0 0 7,377
ISHARES TR MORNINGSTAR VALU 464288109 BBG001SBRHX9 406,703 6,114 SH   SOLE   0 0 6,114
ISHARES TR MRGSTR MD CP GRW 464288307 BBG001SBRK44 1,937,039 31,786 SH   SOLE   0 0 31,786
ISHARES TR MRGSTR MD CP VAL 464288406 BBG001SBRK53 1,429,938 22,448 SH   SOLE   0 0 22,448
ISHARES TR MRGSTR SM CP GR 464288604 BBG001SBRKD4 766,541 18,511 SH   SOLE   0 0 18,511
ISHARES TR MRNING SM CP ETF 464288703 BBG001SBRKG1 635,923 11,772 SH   SOLE   0 0 11,772
ISHARES TR MSCI ACWI ETF 464288257 BBG001S56QV7 455,715 4,750 SH   SOLE   0 0 4,750
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 471,060 11,907 SH   SOLE   0 0 11,907
ISHARES TR NORTH AMERN NAT 464287374 BBG001SJKDG7 924,471 23,814 SH   SOLE   0 0 23,814
ISHARES TR RESIDENTIAL MULT 464288562 BBG001ST7G73 677,308 9,244 SH   SOLE   0 0 9,244
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 545,730 7,743 SH   SOLE   0 0 7,743
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 315,610 1,958 SH   SOLE   0 0 1,958
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 301,841 2,664 SH   SOLE   0 0 2,664
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 1,238,365 11,212 SH   SOLE   0 0 11,212
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1,823,144 16,941 SH   SOLE   0 0 16,941
ISHARES TR U.S. REAL ES ETF 464287739 BBG001SFGXJ3 628,847 7,267 SH   SOLE   0 0 7,267
MCDONALDS CORP COM 580135101 BBG001S5T110 379,279 1,271 SH   SOLE   0 0 1,271
PIMCO ETF TR 1-5 US TIP IDX 72201R205 BBG001T5DWK7 558,883 11,111 SH   SOLE   0 0 11,111
S&P GLOBAL INC COM 78409V104 BBG001S5T5M8 238,530 595 SH   SOLE   0 0 595
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 4,877,091 198,014 SH   SOLE   0 0 198,014
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 20,587,897 577,501 SH   SOLE   0 0 577,501
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 5,484,571 162,410 SH   SOLE   0 0 162,410
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 230,429 4,676 SH   SOLE   0 0 4,676
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 16,444,705 342,170 SH   SOLE   0 0 342,170
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 3,390,975 73,461 SH   SOLE   0 0 73,461
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 9,633,551 132,657 SH   SOLE   0 0 132,657
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 5,881,226 78,469 SH   SOLE   0 0 78,469
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 5,521,817 82,305 SH   SOLE   0 0 82,305
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 34,731,331 663,191 SH   SOLE   0 0 663,191
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 7,195,786 101,306 SH   SOLE   0 0 101,306
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 7,837,042 401,282 SH   SOLE   0 0 401,282
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 6,528,194 149,046 SH   SOLE   0 0 149,046
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 316,429 1,775 SH   SOLE   0 0 1,775
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 BBG001SRXRN6 4,674,088 178,878 SH   SOLE   0 0 178,878
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 923,796 2,084 SH   SOLE   0 0 2,084
SPDR SER TR S&P 400 MDCP GRW 78464A821 BBG001SPTBN0 2,049,778 28,608 SH   SOLE   0 0 28,608
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 1,886,283 27,425 SH   SOLE   0 0 27,425
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 1,096,532 14,248 SH   SOLE   0 0 14,248
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 1,139,296 14,760 SH   SOLE   0 0 14,760
UNION PAC CORP COM 907818108 BBG001S5X2M0 1,323,482 6,468 SH   SOLE   0 0 6,468
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 10,823,032 148,893 SH   SOLE   0 0 148,893
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 455,055 2,245 SH   SOLE   0 0 2,245
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 205,430 933 SH   SOLE   0 0 933
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 231,309 1,163 SH   SOLE   0 0 1,163
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 1,153,488 5,236 SH   SOLE   0 0 5,236
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 474,945 8,729 SH   SOLE   0 0 8,729
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 5,422,122 133,287 SH   SOLE   0 0 133,287
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 786,509 7,415 SH   SOLE   0 0 7,415
VISA INC COM CL A 92826C839 BBG001SRCFY3 284,976 1,200 SH   SOLE   0 0 1,200