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 283,942 3,380 SH   SOLE   0 0 3,380
APPLE INC COM 037833100 BBG001S5N8V8 1,025,860 7,895 SH   SOLE   0 0 7,895
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,265,718 4,098 SH   SOLE   0 0 4,098
GLOBAL X FDS GLBL X MLP ETF 37954Y343 BBG002WKD6P0 318,107 7,704 SH   SOLE   0 0 7,704
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 455,677 9,758 SH   SOLE   0 0 9,758
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 982,871 12,109 SH   SOLE   0 0 12,109
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,124,333 18,240 SH   SOLE   0 0 18,240
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 364,904 1,509 SH   SOLE   0 0 1,509
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 7,842,661 92,484 SH   SOLE   0 0 92,484
ISHARES TR CORE S&P US GWT 464287671 BBG001SFQL99 6,720,000 82,434 SH   SOLE   0 0 82,434
ISHARES TR CORE S&P US VLU 464287663 BBG001SFQL80 9,425,963 133,456 SH   SOLE   0 0 133,456
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 677,929 1,764 SH   SOLE   0 0 1,764
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 1,778,240 8,300 SH   SOLE   0 0 8,300
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 1,954,707 9,112 SH   SOLE   0 0 9,112
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 2,839,627 20,478 SH   SOLE   0 0 20,478
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 2,759,923 33,013 SH   SOLE   0 0 33,013
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 322,307 3,060 SH   SOLE   0 0 3,060
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 457,674 6,785 SH   SOLE   0 0 6,785
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 271,258 3,972 SH   SOLE   0 0 3,972
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 1,120,491 10,368 SH   SOLE   0 0 10,368
ISHARES TR U.S. REAL ES ETF 464287739 BBG001SFGXJ3 457,121 5,430 SH   SOLE   0 0 5,430
MICROSOFT CORP COM 594918104 BBG001S5TD05 299,224 1,248 SH   SOLE   0 0 1,248
NOKIA CORP SPONSORED ADR 654902204 BBG001SCPCG9 600 20,000 SH Call SOLE   0 0 20,000
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 542,625 16,846 SH   SOLE   0 0 16,846
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 1,270,608 28,142 SH   SOLE   0 0 28,142
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 1,454,100 35,895 SH   SOLE   0 0 35,895
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 1,411,202 47,531 SH   SOLE   0 0 47,531
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 575,904 17,473 SH   SOLE   0 0 17,473
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 586,512 1,534 SH   SOLE   0 0 1,534
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 909,807 19,239 SH   SOLE   0 0 19,239
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 543,738 12,794 SH   SOLE   0 0 12,794
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 370,888 8,246 SH   SOLE   0 0 8,246
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 719,896 24,503 SH   SOLE   0 0 24,503
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 447,386 8,829 SH   SOLE   0 0 8,829
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 8,587,122 220,805 SH   SOLE   0 0 220,805
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 1,443,813 22,309 SH   SOLE   0 0 22,309
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 515,767 7,140 SH   SOLE   0 0 7,140
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 1,470,019 19,806 SH   SOLE   0 0 19,806
UNION PAC CORP COM 907818108 BBG001S5X2M0 354,404 1,712 SH   SOLE   0 0 1,712
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 13,914,846 65,294 SH   SOLE   0 0 65,294
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 1,040,680 5,789 SH   SOLE   0 0 5,789
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 4,557,041 33,696 SH   SOLE   0 0 33,696
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 2,119,946 10,402 SH   SOLE   0 0 10,402
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 5,979,460 72,496 SH   SOLE   0 0 72,496
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,360,529 8,568 SH   SOLE   0 0 8,568
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 3,815,382 19,956 SH   SOLE   0 0 19,956
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 11,735,313 83,603 SH   SOLE   0 0 83,603
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 553,623 14,203 SH   SOLE   0 0 14,203
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 2,607,191 34,675 SH   SOLE   0 0 34,675
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 1,400,198 33,362 SH   SOLE   0 0 33,362