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
ALPHABET INC CAP STK CL A 02079K305 261 126 SH   SOLE   0 0 126
ALTRIA GROUP INC COM 02209S103 261 5,106 SH   SOLE   0 0 5,106
AMAZON COM INC COM 023135106 4,211 1,361 SH   SOLE   0 0 1,361
APPLE INC COM 037833100 1,515 12,403 SH   SOLE   0 0 12,403
BERKSHIRE HATHAWAY INC DEL CL A 084670108 386 1 SH   SOLE   0 0 1
COSTCO WHSL CORP NEW COM 22160K105 409 1,159 SH   SOLE   0 0 1,159
DISNEY WALT CO COM 254687106 206 1,117 SH   SOLE   0 0 1,117
GERON CORP COM 374163103 21 13,255 SH   SOLE   0 0 13,255
INVESCO QQQ TR UNIT SER 1 46090E103 204 638 SH   SOLE   0 0 638
ISHARES INC CORE MSCI EMKT 46434G103 3,028 47,043 SH   SOLE   0 0 47,043
ISHARES TR NATIONAL MUN ETF 464288414 22,204 191,333 SH   SOLE   0 0 191,333
ISHARES TR RUS 2000 VAL ETF 464287630 46,445 291,248 SH   SOLE   0 0 291,248
ISHARES TR IBOXX INV CP ETF 464287242 20,062 154,262 SH   SOLE   0 0 154,262
ISHARES TR CORE DIV GRWTH 46434V621 3,383 70,090 SH   SOLE   0 0 70,090
ISHARES TR CORE S&P TTL STK 464287150 14,193 154,945 SH   SOLE   0 0 154,945
ISHARES TR CORE MSCI EAFE 46432F842 10,741 149,078 SH   SOLE   0 0 149,078
ISHARES TR CORE S&P500 ETF 464287200 532 1,338 SH   SOLE   0 0 1,338
ISHARES TR CORE US AGGBD ET 464287226 6,210 54,553 SH   SOLE   0 0 54,553
PHILIP MORRIS INTL INC COM 718172109 319 3,591 SH   SOLE   0 0 3,591
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,286 40,476 SH   SOLE   0 0 40,476
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 230 1,771 SH   SOLE   0 0 1,771
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,935 54,409 SH   SOLE   0 0 54,409
SCHWAB STRATEGIC TR US REIT ETF 808524847 445 10,828 SH   SOLE   0 0 10,828
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,108 63,161 SH   SOLE   0 0 63,161
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,716 98,785 SH   SOLE   0 0 98,785
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,675 22,966 SH   SOLE   0 0 22,966
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 261 2,615 SH   SOLE   0 0 2,615
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 429 4,465 SH   SOLE   0 0 4,465
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,188 49,982 SH   SOLE   0 0 49,982
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 6,441 182,149 SH   SOLE   0 0 182,149
SPDR S&P 500 ETF TR TR UNIT 78462F103 891 2,249 SH   SOLE   0 0 2,249
SPDR SER TR PRTFLO S&P500 VL 78464A508 437 11,536 SH   SOLE   0 0 11,536
SPDR SER TR NUVEEN BRC MUNIC 78468R721 237 4,586 SH   SOLE   0 0 4,586
SPDR SER TR PORTFOLIO AGRGTE 78464A649 6,061 204,403 SH   SOLE   0 0 204,403
SPDR SER TR PORTFOLIO S&P500 78464A854 2,577 55,288 SH   SOLE   0 0 55,288
SPDR SER TR S&P 600 SMCP VAL 78464A300 3,001 36,597 SH   SOLE   0 0 36,597
SPDR SER TR PORTFOLI S&P1500 78464A805 10,146 206,254 SH   SOLE   0 0 206,254
TESLA INC COM 88160R101 280 420 SH   SOLE   0 0 420
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 47,174 556,823 SH   SOLE   0 0 556,823
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 51,570 902,831 SH   SOLE   0 0 902,831
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 843 2,314 SH   SOLE   0 0 2,314
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 30,922 229,272 SH   SOLE   0 0 229,272
VANGUARD INDEX FDS TOTAL STK MKT 922908769 88,324 427,327 SH   SOLE   0 0 427,327
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,267 24,682 SH   SOLE   0 0 24,682
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,952 11,786 SH   SOLE   0 0 11,786
VANGUARD INDEX FDS VALUE ETF 922908744 46,676 355,061 SH   SOLE   0 0 355,061
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 29,088 558,856 SH   SOLE   0 0 558,856
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 80,983 1,649,012 SH   SOLE   0 0 1,649,012
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,800 27,700 SH   SOLE   0 0 27,700
VANGUARD WORLD FD ESG US STK ETF 921910733 294 3,981 SH   SOLE   0 0 3,981