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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM 023135106 BBG001S5PQL7 982,800 11,700 SH   SOLE   0 0 11,700
APPLE INC COM 037833100 BBG001S5N8V8 1,538,250 11,839 SH   SOLE   0 0 11,839
BARNES GROUP INC COM 067806109 BBG001S5P0S7 3,326,701 81,437 SH   SOLE   0 0 81,437
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 472,926 1,531 SH   SOLE   29 0 1,502
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 379,980 2,117 SH   SOLE   0 0 2,117
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 1,007,599 21,576 SH   SOLE   0 0 21,576
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 5,275,041 52,984 SH   SOLE   122 0 52,862
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 6,488,872 56,479 SH   SOLE   0 0 56,479
ISHARES TR A RATE CP BD ETF 46429B291 BBG002NCM1M2 7,473,002 161,317 SH   SOLE   375 0 160,942
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 1,129,384 4,669 SH   SOLE   0 0 4,669
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,070,757 11,314 SH   SOLE   0 0 11,314
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 29,460,877 347,416 SH   SOLE   1,261 0 346,155
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 6,297,586 16,391 SH   SOLE   0 0 16,391
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 773,832 13,701 SH   SOLE   35 0 13,666
ISHARES TR GNMA BOND ETF 46429B333 BBG002N8KM74 2,154,629 49,526 SH   SOLE   0 0 49,526
ISHARES TR GOV/CRED BD ETF 464288596 BBG001SSD894 1,026,589 10,006 SH   SOLE   19 0 9,987
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 1,693,474 16,063 SH   SOLE   0 0 16,063
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 3,515,804 71,012 SH   SOLE   0 0 71,012
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 7,212,147 77,759 SH   SOLE   148 0 77,611
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 6,612,705 100,742 SH   SOLE   0 0 100,742
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 1,139,365 16,892 SH   SOLE   0 0 16,892
ISHARES TR RUS TOP 200 ETF 464289446 BBG001T5LBQ8 1,290,800 14,347 SH   SOLE   0 0 14,347
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 209,860 1,188 SH   SOLE   0 0 1,188
MONTROSE ENVIRONMENTAL GROUP COM 615111101 BBG005Q29V07 318,942 7,185 SH   SOLE   0 0 7,185
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 367,381 2,424 SH   SOLE   0 0 2,424
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 8,853,873 374,055 SH   SOLE   1,530 0 372,525
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 32,044,448 994,860 SH   SOLE   10,399 0 984,461
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 4,708,071 149,605 SH   SOLE   3,623 0 145,982
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 900,375 22,226 SH   SOLE   0 0 22,226
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 20,079,138 387,703 SH   SOLE   801 0 386,902
SPDR SER TR PORTFLI TIPS ETF 78464A656 BBG001STKCZ6 3,285,044 127,525 SH   SOLE   0 0 127,525
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 1,089,562 23,040 SH   SOLE   0 0 23,040
TESLA INC COM 88160R101 BBG001SQKGD7 510,581 4,145 SH   SOLE   47 0 4,098
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 1,040,028 7,828 SH   SOLE   23 0 7,805
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 16,611,432 81,505 SH   SOLE   2,524 0 78,981
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 13,161,256 71,708 SH   SOLE   2,695 0 69,013
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 35,050,480 183,328 SH   SOLE   543 0 182,785
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 3,344,874 85,810 SH   SOLE   0 0 85,810
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 1,493,726 14,529 SH   SOLE   0 0 14,529
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 24,596,364 420,594 SH   SOLE   888 0 419,706
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 10,610,964 136,898 SH   SOLE   293 0 136,605
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 BBG001T62MC8 1,277,814 20,737 SH   SOLE   0 0 20,737
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 1,147,890 22,194 SH   SOLE   130 0 22,064
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 11,572,934 275,743 SH   SOLE   0 0 275,743
VANGUARD WORLD FD MEGA CAP INDEX 921910873 BBG001T0Y6Y7 70,543,553 532,806 SH   SOLE   6,780 0 526,026