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
ALTRIA GROUP INC COM 02209S103 211 5,153 SH   SOLE   0 0 5,153
AMAZON COM INC COM 023135106 5,823 1,788 SH   SOLE   0 0 1,788
APPLE INC COM 037833100 1,414 10,656 SH   SOLE   0 0 10,656
BERKSHIRE HATHAWAY INC DEL CL A 084670108 348 1 SH   SOLE   0 0 1
GERON CORP COM 374163103 21 13,255 SH   SOLE   0 0 13,255
ISHARES INC CORE MSCI EMKT 46434G103 3,262 52,584 SH   SOLE   0 0 52,584
ISHARES TR CORE MSCI EAFE 46432F842 10,867 157,285 SH   SOLE   0 0 157,285
ISHARES TR RUS 2000 VAL ETF 464287630 33,052 250,869 SH   SOLE   0 0 250,869
ISHARES TR CORE DIV GRWTH 46434V621 3,246 72,419 SH   SOLE   0 0 72,419
ISHARES TR CORE US AGGBD ET 464287226 6,366 53,866 SH   SOLE   0 0 53,866
ISHARES TR CORE S&P500 ETF 464287200 564 1,504 SH   SOLE   0 0 1,504
ISHARES TR IBOXX INV CP ETF 464287242 14,661 106,137 SH   SOLE   0 0 106,137
ISHARES TR NATIONAL MUN ETF 464288414 16,781 143,179 SH   SOLE   0 0 143,179
ISHARES TR CORE S&P TTL STK 464287150 14,872 172,484 SH   SOLE   0 0 172,484
PHILIP MORRIS INTL INC COM 718172109 300 3,628 SH   SOLE   0 0 3,628
SCHWAB STRATEGIC TR US REIT ETF 808524847 371 9,759 SH   SOLE   0 0 9,759
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,257 40,998 SH   SOLE   0 0 40,998
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,904 108,404 SH   SOLE   0 0 108,404
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,895 51,677 SH   SOLE   0 0 51,677
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,521 60,677 SH   SOLE   0 0 60,677
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,554 24,228 SH   SOLE   0 0 24,228
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 6,551 194,097 SH   SOLE   0 0 194,097
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,257 53,526 SH   SOLE   0 0 53,526
SPDR S&P 500 ETF TR TR UNIT 78462F103 754 2,017 SH   SOLE   0 0 2,017
SPDR SER TR S&P 600 SMCP VAL 78464A300 3,051 46,093 SH   SOLE   0 0 46,093
SPDR SER TR PORTFOLI S&P1500 78464A805 10,240 222,171 SH   SOLE   0 0 222,171
SPDR SER TR PRTFLO S&P500 VL 78464A508 321 9,320 SH   SOLE   0 0 9,320
SPDR SER TR PORTFOLIO S&P500 78464A854 2,380 54,148 SH   SOLE   0 0 54,148
SPDR SER TR PORTFOLIO AGRGTE 78464A649 6,507 211,344 SH   SOLE   0 0 211,344
TESLA INC COM 88160R101 224 317 SH   SOLE   0 0 317
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 31,421 356,290 SH   SOLE   0 0 356,290
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 37,769 645,080 SH   SOLE   0 0 645,080
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 565 1,644 SH   SOLE   0 0 1,644
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 20,727 174,234 SH   SOLE   0 0 174,234
VANGUARD INDEX FDS TOTAL STK MKT 922908769 62,245 319,795 SH   SOLE   0 0 319,795
VANGUARD INDEX FDS VALUE ETF 922908744 31,114 261,546 SH   SOLE   0 0 261,546
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,067 24,336 SH   SOLE   0 0 24,336
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,891 13,300 SH   SOLE   0 0 13,300
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 21,132 421,704 SH   SOLE   0 0 421,704
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 57,089 1,209,259 SH   SOLE   0 0 1,209,259
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,663 29,101 SH   SOLE   0 0 29,101