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
AMAZON COM INC COM 023135106 2,024 607 SH   SOLE   0 0 607
APPLE INC COM 037833100 2,511 14,141 SH   SOLE   0 0 14,141
BARNES GROUP INC COM 067806109 3,969 85,181 SH   SOLE   0 0 85,181
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 458 1,531 SH   SOLE   0 0 1,531
CHEVRON CORP NEW COM 166764100 248 2,117 SH   SOLE   0 0 2,117
HOME DEPOT INC COM 437076102 200 481 SH   SOLE   0 0 481
ISHARES INC CORE MSCI EMKT 46434G103 658 10,997 SH   SOLE   0 0 10,997
ISHARES TR 20 YR TR BD ETF 464287432 8,720 58,844 SH   SOLE   0 0 58,844
ISHARES TR A RATE CP BD ETF 46429B291 9,885 176,330 SH   SOLE   0 0 176,330
ISHARES TR CORE S&P MCP ETF 464287507 1,394 4,926 SH   SOLE   0 0 4,926
ISHARES TR CORE S&P SCP ETF 464287804 1,317 11,504 SH   SOLE   0 0 11,504
ISHARES TR CORE S&P TTL STK 464287150 35,648 333,224 SH   SOLE   0 0 333,224
ISHARES TR CORE S&P500 ETF 464287200 8,181 17,151 SH   SOLE   0 0 17,151
ISHARES TR EAFE SML CP ETF 464288273 562 7,695 SH   SOLE   0 0 7,695
ISHARES TR GOV/CRED BD ETF 464288596 1,194 9,824 SH   SOLE   0 0 9,824
ISHARES TR ISHS 5-10YR INVT 464288638 5,603 94,539 SH   SOLE   0 0 94,539
ISHARES TR MBS ETF 464288588 11,517 107,207 SH   SOLE   0 0 107,207
ISHARES TR MSCI EAFE ETF 464287465 6,604 83,939 SH   SOLE   0 0 83,939
ISHARES TR MSCI EMG MKT ETF 464287234 230 4,718 SH   SOLE   0 0 4,718
JOHNSON & JOHNSON COM 478160104 213 1,243 SH   SOLE   0 0 1,243
MICROSOFT CORP COM 594918104 319 948 SH   SOLE   0 0 948
MONTROSE ENVIRONMENTAL GROUP COM 615111101 507 7,185 SH   SOLE   0 0 7,185
NETFLIX INC COM 64110L106 254 421 SH   SOLE   0 0 421
PROCTER AND GAMBLE CO COM 742718109 397 2,424 SH   SOLE   0 0 2,424
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 9,877 333,464 SH   SOLE   0 0 333,464
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 34,774 894,622 SH   SOLE   0 0 894,622
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 5,622 137,367 SH   SOLE   0 0 137,367
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,321 12,897 SH   SOLE   0 0 12,897
SCHWAB STRATEGIC TR US TIPS ETF 808524870 29,299 465,876 SH   SOLE   0 0 465,876
SPDR SER TR PORTFOLI S&P1500 78464A805 1,044 17,860 SH   SOLE   0 0 17,860
TESLA INC COM 88160R101 1,451 1,373 SH   SOLE   0 0 1,373
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,566 18,483 SH   SOLE   0 0 18,483
VANGUARD INDEX FDS MID CAP ETF 922908629 20,525 80,565 SH   SOLE   0 0 80,565
VANGUARD INDEX FDS SMALL CP ETF 922908751 15,372 68,015 SH   SOLE   0 0 68,015
VANGUARD INDEX FDS TOTAL STK MKT 922908769 43,047 178,293 SH   SOLE   0 0 178,293
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,961 80,091 SH   SOLE   0 0 80,091
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,945 14,520 SH   SOLE   0 0 14,520
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 38,821 584,040 SH   SOLE   0 0 584,040
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 11,821 127,433 SH   SOLE   0 0 127,433
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 228 2,549 SH   SOLE   0 0 2,549
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,176 18,503 SH   SOLE   0 0 18,503
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 13,774 269,759 SH   SOLE   0 0 269,759
VANGUARD WORLD FD MEGA CAP INDEX 921910873 83,881 499,053 SH   SOLE   0 0 499,053