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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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
3M CO COM 88579Y101 262 2,027 SH   SOLE   0 0 2,027
APPLE INC COM 037833100 596 4,361 SH   SOLE   0 0 4,361
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,227 3 SH   SOLE   0 0 3
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 900 3,295 SH   SOLE   0 0 3,295
ISHARES TR EAFE SML CP ETF 464288273 793 14,536 SH   SOLE   0 0 14,536
ISHARES TR MSCI EAFE ETF 464287465 363 5,807 SH   SOLE   0 0 5,807
ISHARES TR MSCI EMG MKT ETF 464287234 466 11,618 SH   SOLE   0 0 11,618
ISHARES TR RUS 1000 GRW ETF 464287614 4,835 22,110 SH   SOLE   0 0 22,110
ISHARES TR RUS 1000 VAL ETF 464287598 3,001 20,703 SH   SOLE   0 0 20,703
ISHARES TR RUS 2000 GRW ETF 464287648 1,563 7,577 SH   SOLE   0 0 7,577
ISHARES TR RUS 2000 VAL ETF 464287630 2,117 15,549 SH   SOLE   0 0 15,549
ISHARES TR S&P 500 GRWT ETF 464287309 232 3,850 SH   SOLE   0 0 3,850
MACQUARIE INFRASTR HOLD LLC NOTE 2.000%10/0 55608BAB1 40 40,000 PRN   SOLE   0 0 40,000
MANDIANT INC NOTE 1.625% 6/0 31816QAD3 35 35,000 PRN   SOLE   0 0 35,000
PEPSICO INC COM 713448108 373 2,239 SH   SOLE   0 0 2,239
RINGCENTRAL INC NOTE 3/0 76680RAF4 25 30,000 PRN   SOLE   0 0 30,000
S&P GLOBAL INC COM 78409V104 329 975 SH   SOLE   0 0 975
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,845 190,917 SH   SOLE   0 0 190,917
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,446 236,768 SH   SOLE   0 0 236,768
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 3,511 112,429 SH   SOLE   0 0 112,429
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 27,047 524,170 SH   SOLE   0 0 524,170
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 13,453 273,482 SH   SOLE   0 0 273,482
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 22,701 391,460 SH   SOLE   0 0 391,460
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 11,194 179,330 SH   SOLE   0 0 179,330
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 8,753 195,991 SH   SOLE   0 0 195,991
SCHWAB STRATEGIC TR US REIT ETF 808524847 4,976 235,960 SH   SOLE   0 0 235,960
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 478 12,255 SH   SOLE   0 0 12,255
TESLA INC COM 88160R101 881 1,308 SH   SOLE   0 0 1,308
VANGUARD INDEX FDS GROWTH ETF 922908736 20,956 94,018 SH   SOLE   0 0 94,018
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 210 2,309 SH   SOLE   0 0 2,309
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 228 657 SH   SOLE   0 0 657
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,340 28,966 SH   SOLE   0 0 28,966
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,217 6,908 SH   SOLE   0 0 6,908
VANGUARD INDEX FDS SML CP GRW ETF 922908595 5,261 26,703 SH   SOLE   0 0 26,703
VANGUARD INDEX FDS TOTAL STK MKT 922908769 687 3,641 SH   SOLE   0 0 3,641
VANGUARD INDEX FDS VALUE ETF 922908744 20,902 158,494 SH   SOLE   0 0 158,494
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 286 5,715 SH   SOLE   0 0 5,715
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,191 76,611 SH   SOLE   0 0 76,611
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,664 16,122 SH   SOLE   0 0 16,122
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,155 23,050 SH   SOLE   0 0 23,050
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 66,412 1,128,310 SH   SOLE   0 0 1,128,310
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,067 27,110 SH   SOLE   0 0 27,110
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 11,002 269,669 SH   SOLE   0 0 269,669