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 373,730 3,618 SH   SOLE   0 0 3,618
APPLE INC COM 037833100 BBG001S5N8V8 1,259,570 7,638 SH   SOLE   0 0 7,638
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,255,428 4,066 SH   SOLE   0 0 4,066
GLOBAL X FDS GLBL X MLP ETF 37954Y343 BBG002WKD6P0 276,359 6,643 SH   SOLE   0 0 6,643
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 432,630 8,867 SH   SOLE   0 0 8,867
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,210,106 18,102 SH   SOLE   0 0 18,102
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 406,180 1,624 SH   SOLE   0 0 1,624
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 8,294,715 91,604 SH   SOLE   0 0 91,604
ISHARES TR CORE S&P US GWT 464287671 BBG001SFQL99 7,969,718 89,779 SH   SOLE   0 0 89,779
ISHARES TR CORE S&P US VLU 464287663 BBG001SFQL80 11,422,409 154,817 SH   SOLE   0 0 154,817
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 658,643 1,602 SH   SOLE   0 0 1,602
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 2,679,170 10,965 SH   SOLE   0 0 10,965
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 1,656,599 7,304 SH   SOLE   0 0 7,304
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 2,387,948 17,428 SH   SOLE   0 0 17,428
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 2,392,942 26,282 SH   SOLE   0 0 26,282
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 308,820 2,908 SH   SOLE   0 0 2,908
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 491,892 7,035 SH   SOLE   0 0 7,035
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 318,998 4,461 SH   SOLE   0 0 4,461
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 981,290 8,926 SH   SOLE   0 0 8,926
ISHARES TR U.S. REAL ES ETF 464287739 BBG001SFGXJ3 418,594 4,930 SH   SOLE   0 0 4,930
MICROSOFT CORP COM 594918104 BBG001S5TD05 428,660 1,487 SH   SOLE   0 0 1,487
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 551,666 15,852 SH   SOLE   0 0 15,852
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 1,470,313 30,397 SH   SOLE   0 0 30,397
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 1,498,242 35,732 SH   SOLE   0 0 35,732
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 1,288,596 40,118 SH   SOLE   0 0 40,118
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 477,080 13,978 SH   SOLE   0 0 13,978
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 629,445 1,538 SH   SOLE   0 0 1,538
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 980,754 19,448 SH   SOLE   0 0 19,448
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 565,731 12,875 SH   SOLE   0 0 12,875
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 346,745 7,201 SH   SOLE   0 0 7,201
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 621,186 20,965 SH   SOLE   0 0 20,965
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 512,866 9,264 SH   SOLE   0 0 9,264
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 10,252,274 251,775 SH   SOLE   0 0 251,775
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 1,406,215 21,280 SH   SOLE   0 0 21,280
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 459,062 6,225 SH   SOLE   0 0 6,225
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 1,343,793 17,640 SH   SOLE   0 0 17,640
TESLA INC COM 88160R101 BBG001SQKGD7 249,159 1,201 SH   SOLE   0 0 1,201
UNION PAC CORP COM 907818108 BBG001S5X2M0 389,751 1,937 SH   SOLE   0 0 1,937
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 17,124,041 68,650 SH   SOLE   0 0 68,650
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 1,100,681 5,648 SH   SOLE   0 0 5,648
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 4,107,656 30,638 SH   SOLE   0 0 30,638
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 2,070,250 9,815 SH   SOLE   0 0 9,815
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 5,180,315 62,383 SH   SOLE   0 0 62,383
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,521,770 9,585 SH   SOLE   0 0 9,585
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 3,772,451 18,483 SH   SOLE   0 0 18,483
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 13,637,161 98,741 SH   SOLE   0 0 98,741
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 549,506 13,602 SH   SOLE   0 0 13,602
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 263,145 3,452 SH   SOLE   0 0 3,452
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 1,305,445 28,901 SH   SOLE   0 0 28,901