Rebalance 13F-HR Quarterly holdings report by institutional manager

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

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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	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF	81369Y803	595,266	3,942	SH		SOLE	0	3,941	0	0
INVESCO BULLETSHARES 2023 HIGH YIELD CORPORATE BOND ETF	ETF	46138J858	2,977,637	126,412	SH		SOLE	0	126,412	0	0
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	116,018,828	568,441	SH		SOLE	0	568,441	0	0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	ETF	921946794	10,935,056	176,514	SH		SOLE	0	176,514	0	0
ISHARES MSCI EMERGING MARKETS ETF	ETF	464287234	455,430	11,542	SH		SOLE	0	11,541	0	0
PROCTER AND GAMBLE CO COM	Stock	742718109	527,255	3,546	SH		SOLE	0	3,546	0	0
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF	ETF	46138J825	5,079,235	250,455	SH		SOLE	0	250,455	0	0
VANGUARD REAL ESTATE ETF	ETF	922908553	60,178,725	724,696	SH		SOLE	0	724,695	0	0
SPDR S&P 500 ETF TRUST	ETF	78462F103	4,475,678	10,933	SH		SOLE	0	10,932	0	0
ISHARES MSCI JAPAN ETF	ETF	46434G822	437,756	7,459	SH		SOLE	0	7,458	0	0
ISHARES TIPS BOND ETF	ETF	464287176	41,349,763	375,055	SH		SOLE	0	375,054	0	0
INVESCO BULLETSHARES 2024 HIGH YIELD CORPORATE BOND ETF	ETF	46138J833	2,345,258	104,447	SH		SOLE	0	104,446	0	0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF	ETF	922042718	2,738,022	25,064	SH		SOLE	0	25,064	0	0
SPDR GOLD SHARES	ETF	78463V107	1,076,418	5,875	SH		SOLE	0	5,875	0	0
ISHARES RUSSELL 1000 GROWTH ETF	ETF	464287614	4,625,316	18,931	SH		SOLE	0	18,930	0	0
SCHWAB U.S. BROAD MARKET ETF	ETF	808524102	142,745,646	2,983,190	SH		SOLE	0	2,983,190	0	0
SCHWAB INTERNATIONAL EQUITY ETF	ETF	808524805	90,789,015	2,608,880	SH		SOLE	0	2,608,879	0	0
ISHARES U.S. REAL ESTATE ETF	ETF	464287739	2,084,166	24,548	SH		SOLE	0	24,548	0	0
INVESCO BULLETSHARES 2025 HIGH YIELD CORPORATE BOND ETF	ETF	46138J817	1,994,321	88,715	SH		SOLE	0	88,715	0	0
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF	ETF	46435U853	47,179,891	1,327,142	SH		SOLE	0	1,327,141	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	33,114,035	342,441	SH		SOLE	0	342,440	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	3,993,940	12,935	SH		SOLE	0	12,935	0	0
SCHWAB EMERGING MARKETS EQUITY ETF	ETF	808524706	36,871,202	1,503,719	SH		SOLE	0	1,503,719	0	0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF	ETF	92206C870	50,317,747	627,247	SH		SOLE	0	627,246	0	0
PG&E CORP COM	Stock	69331C108	276,264	17,085	SH		SOLE	0	17,085	0	0
MICROSOFT CORP COM	Stock	594918104	529,031	1,835	SH		SOLE	0	1,835	0	0
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF	ETF	46138J791	3,253,534	169,809	SH		SOLE	0	169,808	0	0
VANGUARD SMALL-CAP ETF	ETF	922908751	2,235,131	11,791	SH		SOLE	0	11,791	0	0
VANGUARD FTSE EUROPE ETF	ETF	922042874	1,418,131	23,267	SH		SOLE	0	23,267	0	0
SCHWAB US TIPS ETF	ETF	808524870	4,129,700	77,032	SH		SOLE	0	77,032	0	0
INVESCO BULLETSHARES 2024 USD EMERGING MARKETS DEBT ETF	ETF	46138J650	301,801	12,601	SH		SOLE	0	12,601	0	0
VANGUARD S&P 500 ETF	ETF	922908363	2,345,403	6,237	SH		SOLE	0	6,236	0	0
VANGUARD S&P SMALL-CAP 600 ETF	ETF	921932828	718,997	8,098	SH		SOLE	0	8,097	0	0
INVESCO BULLETSHARES 2023 USD EMERGING MARKETS DEBT ETF	ETF	46138J668	290,450	12,426	SH		SOLE	0	12,425	0	0
LILLY ELI & CO COM	Stock	532457108	244,858	713	SH		SOLE	0	713	0	0
ISHARES RUSSELL MID-CAP VALUE ETF	ETF	464287473	709,079	6,677	SH		SOLE	0	6,676	0	0
ISHARES RUSSELL 2000 ETF	ETF	464287655	2,241,768	12,566	SH		SOLE	0	12,565	0	0
ISHARES RUSSELL MID-CAP GROWTH ETF	ETF	464287481	747,642	8,211	SH		SOLE	0	8,211	0	0
VANGUARD FTSE PACIFIC ETF	ETF	922042866	1,402,213	20,676	SH		SOLE	0	20,675	0	0
VANGUARD SMALL CAP VALUE ETF	ETF	922908611	1,964,837	12,376	SH		SOLE	0	12,376	0	0
VANECK MORTGAGE REIT INCOME ETF	ETF	92189F452	383,638	33,950	SH		SOLE	0	33,950	0	0
DIMENSIONAL U.S. CORE EQUITY 2 ETF	ETF	25434V708	428,516	16,818	SH		SOLE	0	16,817	0	0
DIMENSIONAL U.S. EQUITY ETF	ETF	25434V401	271,562	6,112	SH		SOLE	0	6,112	0	0
VANGUARD SMALL-CAP GROWTH ETF	ETF	922908595	1,264,913	5,845	SH		SOLE	0	5,844	0	0
SPDR DOW JONES INTERNATIONAL REAL ESTATE ETF	ETF	78463X863	684,025	26,028	SH		SOLE	0	26,028	0	0
VANGUARD TOTAL BOND MARKET ETF	ETF	921937835	6,200,664	83,986	SH		SOLE	0	83,985	0	0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND	ETF	922042775	693,523	12,970	SH		SOLE	0	12,970	0	0
ISHARES MSCI EMERGING MARKETS SMALL CAP ETF	ETF	464286475	942,812	18,715	SH		SOLE	0	18,714	0	0
ROCKWELL AUTOMATION INC COM	Stock	773903109	317,715	1,083	SH		SOLE	0	1,082	0	0
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF	ETF	921946885	2,582,537	41,447	SH		SOLE	0	41,446	0	0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF	ETF	464288513	7,133,232	94,417	SH		SOLE	0	94,417	0	0
ISHARES PREFERRED & INCOME SECURITIES ETF	ETF	464288687	15,048,055	482,000	SH		SOLE	0	482,000	0	0
LOCKHEED MARTIN CORP COM	Stock	539830109	267,565	566	SH		SOLE	0	566	0	0
JPMORGAN CHASE & CO COM	Stock	46625H100	215,012	1,650	SH		SOLE	0	1,650	0	0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288638	4,200,899	81,921	SH		SOLE	0	81,920	0	0
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	73,789,197	1,633,589	SH		SOLE	0	1,633,588	0	0
SPDR S&P DIVIDEND ETF	ETF	78464A763	1,218,978	9,854	SH		SOLE	0	9,853	0	0
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	28,600,056	707,922	SH		SOLE	0	707,922	0	0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF	ETF	921946406	65,901,573	624,659	SH		SOLE	0	624,659	0	0
AMERICAN EXPRESS CO COM	Stock	025816109	306,477	1,858	SH		SOLE	0	1,858	0	0
ISHARES MSCI EAFE SMALL-CAP ETF	ETF	464288273	1,228,204	20,639	SH		SOLE	0	20,638	0	0
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	53,486,128	536,794	SH		SOLE	0	536,793	0	0
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF	ETF	46138J866	11,132,585	528,111	SH		SOLE	0	528,111	0	0
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF	ETF	46138J841	6,348,947	308,351	SH		SOLE	0	308,351	0	0
ISHARES RUSSELL 3000 ETF	ETF	464287689	4,964,861	21,090	SH		SOLE	0	21,090	0	0
SPDR DOW JONES REIT ETF	ETF	78464A607	3,729,092	42,004	SH		SOLE	0	42,003	0	0
ISHARES JP MORGAN USD EMERGING MARKETS BOND ETF	ETF	464288281	21,777,566	252,406	SH		SOLE	0	252,405	0	0
EXXON MOBIL CORP COM	Stock	30231G102	332,270	3,030	SH		SOLE	0	3,030	0	0
LOWES COS INC COM	Stock	548661107	249,963	1,250	SH		SOLE	0	1,250	0	0
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	2,936,393	11,738	SH		SOLE	0	11,738	0	0
ISHARES MSCI EAFE ETF	ETF	464287465	2,067,316	28,905	SH		SOLE	0	28,905	0	0
APPLE INC COM	Stock	037833100	2,501,090	15,167	SH		SOLE	0	15,167	0	0
ISHARES RUSSELL 1000 VALUE ETF	ETF	464287598	4,405,350	28,933	SH		SOLE	0	28,933	0	0