Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
BND	VANGUARD BD INDEX FDS	806,604 (+7.8%)	$59.21M (+7.4%)	9.7%	$79.75	—	TOTAL BND MRKT	921937835
AGG	ISHARES TR	515,560 (+8.5%)	$51.03M (+8.1%)	8.3%	$107.14	—	CORE US AGGBD ET	464287226
IEF	ISHARES TR	541,981 (+9.0%)	$51.26M (+8.0%)	8.4%	$103.04	—	7-10 YR TRSY BD	464287440
VO	VANGUARD INDEX FDS	280,883 (+299.5%)	$22.63M (+12.1%)	3.7%	$101.18	—	MID CAP ETF	922908629
IEFA	ISHARES TR	305,116 (+1.8%)	$29.47M (+8.6%)	4.8%	$56.43	—	CORE MSCI EAFE	46432F842
USHY	ISHARES TR	185,359 (+36.8%)	$6.862M (+37.4%)	1.1%	$37.17	—	BROAD USD HIGH	46435U853
VCSH	VANGUARD SCOTTSDALE FDS	200,399 (+7.2%)	$15.84M (+6.9%)	2.6%	$79.83	—	SHRT TRM CORP BD	92206C409
LQD	ISHARES TR	117,726 (+7.6%)	$12.84M (+7.7%)	2.1%	$117.83	—	IBOXX INV CP ETF	464287242
GOVT	ISHARES TR	187,305 (+19.9%)	$4.267M (+19.3%)	0.7%	$22.70	—	US TREAS BD ETF	46429B267
MUB	ISHARES TR	16,623 (+48.8%)	$1.789M (+50.9%)	0.3%	$107.98	—	NATIONAL MUN ETF	464288414
VCIT	VANGUARD SCOTTSDALE FDS	15,345 (+28.5%)	$1.268M (+28.3%)	0.2%	$80.76	—	INT-TERM CORP	92206C870
IWF	ISHARES TR	6,196 (+300.0%)	$769K (+16.5%)	0.1%	$146.69	—	RUS 1000 GRW ETF	464287614
VUG	VANGUARD INDEX FDS	6,585 (+482.2%)	$567K (+14.8%)	0.1%	$107.95	—	GROWTH ETF	922908736
SCHZ	SCHWAB STRATEGIC TR	59,964 (+5.2%)	$1.387M (+4.8%)	0.2%	$35.77	—	US AGGREGATE B	808524839
SCHR	SCHWAB STRATEGIC TR	23,081 (+10.0%)	$569K (+8.9%)	0.1%	$36.26	—	INT-TRM U.S TRES	808524854
SHY	ISHARES TR	5,356 (+5.2%)	$440K (+4.6%)	0.1%	$84.47	—	1 3 YR TREAS BD	464287457

Decreased Positions (17)

VOO VANGUARD INDEX FDS 10.7%

Value $65.81M (+11.5%) Shares 95,820 (-3.0%) Est. Cost $239.63 Unrealized —

IVV ISHARES TR 11.4%

Value $69.71M (+8.8%) Shares 93,090 (-5.1%) Est. Cost $294.14 Unrealized —

IJH ISHARES TR 4.8%

Value $29.22M (+12.6%) Shares 378,917 (-1.3%) Est. Cost $77.18 Unrealized —

IJR ISHARES TR 4.0%

Value $24.61M (+14.0%) Shares 165,931 (-4.4%) Est. Cost $74.17 Unrealized —

VB VANGUARD INDEX FDS 3.8%

Value $23.17M (+13.2%) Shares 76,439 (-2.2%) Est. Cost $173.41 Unrealized —

VEA VANGUARD TAX-MANAGED FDS 4.7%

Value $28.82M (+8.5%) Shares 404,555 (-2.4%) Est. Cost $40.31 Unrealized —

VYM VANGUARD WHITEHALL FDS 7.6%

Value $46.32M (+4.9%) Shares 293,079 (-1.7%) Est. Cost $85.47 Unrealized —

IEMG ISHARES INC 2.8%

Value $17.02M (+10.4%) Shares 205,491 (-7.1%) Est. Cost $58.95 Unrealized —

VWO VANGUARD INTL EQUITY INDEX F 2.5%

Value $15.13M (+9.0%) Shares 253,446 (-1.3%) Est. Cost $41.89 Unrealized —

VTEB VANGUARD MUN BD FDS 0.2%

Value $1.296M (-28.4%) Shares 25,629 (-29.3%) Est. Cost $50.69 Unrealized —

SCHA SCHWAB STRATEGIC TR 0.2%

Value $1.089M (+20.0%) Shares 30,132 (-3.4%) Est. Cost $38.27 Unrealized —

SCHX SCHWAB STRATEGIC TR 0.2%

Value $1.129M (+9.8%) Shares 38,364 (-4.4%) Est. Cost $35.38 Unrealized —

SCHB SCHWAB STRATEGIC TR 0.1%

Value $790K (+13.1%) Shares 27,279 (-2.0%) Est. Cost $33.63 Unrealized —

IEI ISHARES TR 0.3%

Value $1.938M (-2.6%) Shares 16,501 (-1.6%) Est. Cost $129.14 Unrealized —

SCHF SCHWAB STRATEGIC TR 0.2%

Value $966K (+4.8%) Shares 34,857 (-6.3%) Est. Cost $24.51 Unrealized —

SCHE SCHWAB STRATEGIC TR 0.1%

Value $357K (+7.1%) Shares 9,846 (-2.7%) Est. Cost $23.92 Unrealized —

DVY ISHARES TR 0.1%

Value $351K (-2.8%) Shares 2,244 (-5.8%) Est. Cost $64.35 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VOO	VANGUARD INDEX FDS	95,820 (-3.0%)	$65.81M (+11.5%)	10.7%	$239.63	—	S&P 500 ETF SHS	922908363
IVV	ISHARES TR	93,090 (-5.1%)	$69.71M (+8.8%)	11.4%	$294.14	—	CORE S&P500 ETF	464287200
IJH	ISHARES TR	378,917 (-1.3%)	$29.22M (+12.6%)	4.8%	$77.18	—	CORE S&P MCP ETF	464287507
IJR	ISHARES TR	165,931 (-4.4%)	$24.61M (+14.0%)	4.0%	$74.17	—	CORE S&P SCP ETF	464287804
VB	VANGUARD INDEX FDS	76,439 (-2.2%)	$23.17M (+13.2%)	3.8%	$173.41	—	SMALL CP ETF	922908751
VEA	VANGUARD TAX-MANAGED FDS	404,555 (-2.4%)	$28.82M (+8.5%)	4.7%	$40.31	—	VAN FTSE DEV MKT	921943858
VYM	VANGUARD WHITEHALL FDS	293,079 (-1.7%)	$46.32M (+4.9%)	7.6%	$85.47	—	HIGH DIV YLD	921946406
IEMG	ISHARES INC	205,491 (-7.1%)	$17.02M (+10.4%)	2.8%	$58.95	—	CORE MSCI EMKT	46434G103
VWO	VANGUARD INTL EQUITY INDEX F	253,446 (-1.3%)	$15.13M (+9.0%)	2.5%	$41.89	—	FTSE EMR MKT ETF	922042858
VTEB	VANGUARD MUN BD FDS	25,629 (-29.3%)	$1.296M (-28.4%)	0.2%	$50.69	—	TAX EXEMPT BD	922907746
SCHA	SCHWAB STRATEGIC TR	30,132 (-3.4%)	$1.089M (+20.0%)	0.2%	$38.27	—	US SML CAP ETF	808524607
SCHX	SCHWAB STRATEGIC TR	38,364 (-4.4%)	$1.129M (+9.8%)	0.2%	$35.38	—	US LRG CAP ETF	808524201
SCHB	SCHWAB STRATEGIC TR	27,279 (-2.0%)	$790K (+13.1%)	0.1%	$33.63	—	US BRD MKT ETF	808524102
IEI	ISHARES TR	16,501 (-1.6%)	$1.938M (-2.6%)	0.3%	$129.14	—	3 7 YR TREAS BD	464288661
SCHF	SCHWAB STRATEGIC TR	34,857 (-6.3%)	$966K (+4.8%)	0.2%	$24.51	—	INTL EQTY ETF	808524805
SCHE	SCHWAB STRATEGIC TR	9,846 (-2.7%)	$357K (+7.1%)	0.1%	$23.92	—	EMRG MKTEQ ETF	808524706
DVY	ISHARES TR	2,244 (-5.8%)	$351K (-2.8%)	0.1%	$64.35	—	SELECT DIVID ETF	464287168

Unchanged Positions (6)

EFA ISHARES TR 0.3%

Value $1.961M Shares 18,881 Est. Cost $67.25 Unrealized —

SCHM SCHWAB STRATEGIC TR 0.1%

Value $670K Shares 18,181 Est. Cost $40.61 Unrealized —

AAPL APPLE INC 0.1%

Value $740K Shares 2,558 Est. Cost $207.43 Unrealized —

HYG ISHARES TR 3.2%

Value $19.37M Shares 242,205 Est. Cost $88.38 Unrealized —

NVDA NVIDIA CORPORATION 0.0%

Value $299K Shares 1,496 Est. Cost $105.07 Unrealized —

SCHO SCHWAB STRATEGIC TR 0.2%

Value $1.086M Shares 44,973 Est. Cost $35.34 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
EFA	ISHARES TR	18,881	$1.961M	0.3%	$67.25	—	MSCI EAFE ETF	464287465
SCHM	SCHWAB STRATEGIC TR	18,181	$670K	0.1%	$40.61	—	US MID-CAP ETF	808524508
AAPL	APPLE INC	2,558	$740K	0.1%	$207.43	—	COM	037833100
HYG	ISHARES TR	242,205	$19.37M	3.2%	$88.38	—	IBOXX HI YD ETF	464288513
NVDA	NVIDIA CORPORATION	1,496	$299K	0.0%	$105.07	—	COM	67066G104
SCHO	SCHWAB STRATEGIC TR	44,973	$1.086M	0.2%	$35.34	—	SHT TM US TRES	808524862