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UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
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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
ALPHABET INC CAP STK CL C 02079K107   227,476 1,494 SH   SOLE   0 0 1,494
AMAZON COM INC COM 023135106   256,164 1,420 SH   SOLE   0 0 1,420
APPLE INC COM 037833100   2,192,078 12,783 SH   SOLE   0 0 12,783
GALLAGHER ARTHUR J & CO COM 363576109   288,296 1,153 SH   SOLE   0 0 1,153
ISHARES TR NATIONAL MUN ETF 464288414   4,991,307 46,388 SH   SOLE   0 0 46,388
ISHARES TR CRE U S REIT ETF 464288521   286,935 5,333 SH   SOLE   0 0 5,333
MICROSOFT CORP COM 594918104   1,079,598 2,566 SH   SOLE   0 0 2,566
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   5,104,303 83,609 SH   SOLE   0 0 83,609
SCHWAB STRATEGIC TR US REIT ETF 808524847   641,053 31,579 SH   SOLE   0 0 31,579
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   881,291 22,586 SH   SOLE   0 0 22,586
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   3,557,921 98,312 SH   SOLE   0 0 98,312
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   5,654,402 157,768 SH   SOLE   0 0 157,768
SPDR SER TR PRTFLO S&P500 VL 78464A508   2,472,469 49,351 SH   SOLE   0 0 49,351
SPDR SER TR PORTFOLIO AGRGTE 78464A649   497,035 19,661 SH   SOLE   0 0 19,661
SPDR SER TR PRTFLO S&P500 GW 78464A409   2,270,859 31,044 SH   SOLE   0 0 31,044
SPDR SER TR S&P 600 SMCP VAL 78464A300   11,824,679 142,518 SH   SOLE   0 0 142,518
SPDR SER TR PORTFOLI S&P1500 78464A805   1,627,247 25,366 SH   SOLE   0 0 25,366
SPDR SER TR S&P 600 SMCP GRW 78464A201   364,934 4,184 SH   SOLE   0 0 4,184
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   9,069,819 124,877 SH   SOLE   0 0 124,877
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,875,161 25,407 SH   SOLE   0 0 25,407
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   292,746 609 SH   SOLE   0 0 609
VANGUARD INDEX FDS TOTAL STK MKT 922908769   30,206,529 116,224 SH   SOLE   0 0 116,224
VANGUARD INDEX FDS SML CP GRW ETF 922908595   2,195,597 8,421 SH   SOLE   0 0 8,421
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   9,395,338 108,642 SH   SOLE   0 0 108,642
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   18,972,216 323,482 SH   SOLE   0 0 323,482
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,625,283 134,673 SH   SOLE   0 0 134,673
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,419,338 47,813 SH   SOLE   0 0 47,813
VANGUARD STAR FDS VG TL INTL STK F 921909768   7,170,672 118,917 SH   SOLE   0 0 118,917
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   803,648 16,018 SH   SOLE   0 0 16,018