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
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   608,916 3,502 SH   SOLE 0 3,502 0 0
INVESCO BULLETSHARES 2023 HIGH YIELD CORPORATE BOND ETF ETF 46138J858   2,515,487 106,996 SH   SOLE 0 106,996 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   149,064,414 676,704 SH   SOLE 0 676,704 0 0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   10,172,655 160,960 SH   SOLE 0 160,959 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234   456,584 11,542 SH   SOLE 0 11,541 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   538,070 3,546 SH   SOLE 0 3,546 0 0
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF ETF 46138J825   4,825,576 239,721 SH   SOLE 0 239,720 0 0
VANGUARD REAL ESTATE ETF ETF 922908553   64,279,337 769,260 SH   SOLE 0 769,259 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   4,944,143 11,154 SH   SOLE 0 11,153 0 0
ISHARES MSCI JAPAN ETF ETF 46434G822   461,698 7,459 SH   SOLE 0 7,458 0 0
ISHARES TIPS BOND ETF ETF 464287176   29,305,857 272,309 SH   SOLE 0 272,308 0 0
INVESCO BULLETSHARES 2024 HIGH YIELD CORPORATE BOND ETF ETF 46138J833   2,410,561 107,231 SH   SOLE 0 107,231 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF ETF 922042718   2,794,553 25,295 SH   SOLE 0 25,294 0 0
SPDR GOLD SHARES ETF 78463V107   1,047,336 5,875 SH   SOLE 0 5,875 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   4,954,234 18,004 SH   SOLE 0 18,003 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   185,312,931 3,584,389 SH   SOLE 0 3,584,389 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   91,062,958 2,554,361 SH   SOLE 0 2,554,360 0 0
ISHARES U.S. REAL ESTATE ETF ETF 464287739   3,081,368 35,606 SH   SOLE 0 35,606 0 0
INVESCO BULLETSHARES 2025 HIGH YIELD CORPORATE BOND ETF ETF 46138J817   1,853,710 82,204 SH   SOLE 0 82,204 0 0
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF ETF 46435U853   43,631,623 1,236,023 SH   SOLE 0 1,236,023 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   35,858,069 359,840 SH   SOLE 0 359,840 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   2,489,300 7,300 SH   SOLE 0 7,300 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   38,987,535 1,582,929 SH   SOLE 0 1,582,928 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870   62,201,322 787,060 SH   SOLE 0 787,059 0 0
PG&E CORP COM Stock 69331C108   295,229 17,085 SH   SOLE 0 17,085 0 0
MICROSOFT CORP COM Stock 594918104   601,734 1,767 SH   SOLE 0 1,767 0 0
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF ETF 46138J791   3,268,604 172,531 SH   SOLE 0 172,531 0 0
AMERIPRISE FINL INC COM Stock 03076C106   212,582 640 SH   SOLE 0 640 0 0
VANGUARD SMALL-CAP ETF ETF 922908751   2,413,923 12,137 SH   SOLE 0 12,136 0 0
VANGUARD LARGE-CAP ETF ETF 922908637   1,094,688 5,400 SH   SOLE 0 5,400 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874   1,336,872 21,667 SH   SOLE 0 21,667 0 0
SCHWAB US TIPS ETF ETF 808524870   3,711,160 70,783 SH   SOLE 0 70,783 0 0
VANGUARD S&P 500 ETF ETF 922908363   2,540,048 6,237 SH   SOLE 0 6,236 0 0
VANGUARD S&P SMALL-CAP 600 ETF ETF 921932828   1,272,008 13,843 SH   SOLE 0 13,842 0 0
LILLY ELI & CO COM Stock 532457108   332,976 710 SH   SOLE 0 710 0 0
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473   733,383 6,677 SH   SOLE 0 6,676 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655   2,287,934 12,217 SH   SOLE 0 12,217 0 0
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481   793,461 8,211 SH   SOLE 0 8,211 0 0
VANGUARD FTSE PACIFIC ETF ETF 922042866   1,430,046 20,511 SH   SOLE 0 20,511 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611   2,098,843 12,689 SH   SOLE 0 12,689 0 0
VANECK MORTGAGE REIT INCOME ETF ETF 92189F452   425,741 35,449 SH   SOLE 0 35,448 0 0
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708   456,602 16,818 SH   SOLE 0 16,817 0 0
DIMENSIONAL U.S. EQUITY ETF ETF 25434V401   295,357 6,133 SH   SOLE 0 6,132 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   1,329,360 5,786 SH   SOLE 0 5,786 0 0
SPDR DOW JONES INTERNATIONAL REAL ESTATE ETF ETF 78463X863   644,722 26,028 SH   SOLE 0 26,028 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   12,661,592 174,186 SH   SOLE 0 174,186 0 0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   706,420 12,983 SH   SOLE 0 12,983 0 0
ISHARES MSCI EMERGING MARKETS SMALL CAP ETF ETF 464286475   1,002,747 18,715 SH   SOLE 0 18,714 0 0
ROCKWELL AUTOMATION INC COM Stock 773903109   356,691 1,083 SH   SOLE 0 1,082 0 0
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF ETF 921946885   335,052 5,381 SH   SOLE 0 5,380 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513   8,317,821 110,801 SH   SOLE 0 110,800 0 0
ISHARES PREFERRED & INCOME SECURITIES ETF ETF 464288687   14,690,989 474,975 SH   SOLE 0 474,975 0 0
LOCKHEED MARTIN CORP COM Stock 539830109   260,575 566 SH   SOLE 0 566 0 0
JPMORGAN CHASE & CO COM Stock 46625H100   239,976 1,650 SH   SOLE 0 1,650 0 0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288638   7,060,514 139,619 SH   SOLE 0 139,618 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   69,144,408 1,497,280 SH   SOLE 0 1,497,280 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763   1,215,922 9,919 SH   SOLE 0 9,919 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   28,229,522 693,941 SH   SOLE 0 693,941 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   26,387,316 248,773 SH   SOLE 0 248,772 0 0
AMERICAN EXPRESS CO COM Stock 025816109   323,664 1,858 SH   SOLE 0 1,858 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273   1,217,266 20,639 SH   SOLE 0 20,638 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   73,117,351 746,476 SH   SOLE 0 746,476 0 0
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF ETF 46138J866   10,833,395 511,733 SH   SOLE 0 511,733 0 0
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841   5,935,525 288,553 SH   SOLE 0 288,552 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689   5,380,422 21,143 SH   SOLE 0 21,142 0 0
SPDR DOW JONES REIT ETF ETF 78464A607   2,932,743 32,427 SH   SOLE 0 32,427 0 0
ISHARES JP MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281   409,536 4,732 SH   SOLE 0 4,732 0 0
EXXON MOBIL CORP COM Stock 30231G102   324,968 3,030 SH   SOLE 0 3,030 0 0
LOWES COS INC COM Stock 548661107   282,125 1,250 SH   SOLE 0 1,250 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   3,104,871 11,874 SH   SOLE 0 11,874 0 0
ISHARES MSCI EAFE ETF ETF 464287465   2,062,471 28,448 SH   SOLE 0 28,447 0 0
APPLE INC COM Stock 037833100   2,860,204 14,746 SH   SOLE 0 14,745 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742   209,264 2,158 SH   SOLE 0 2,157 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   4,566,507 28,933 SH   SOLE 0 28,933 0 0