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	594,966	2,857	SH		SOLE	0	2,856	0	0
WILLIAMS SONOMA INC COM	Stock	969904101	346,108	1,090	SH		SOLE	0	1,090	0	0
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	175,852,875	676,617	SH		SOLE	0	676,617	0	0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	ETF	921946794	10,480,315	152,330	SH		SOLE	0	152,330	0	0
ISHARES MSCI EMERGING MARKETS ETF	ETF	464287234	474,127	11,542	SH		SOLE	0	11,541	0	0
PROCTER AND GAMBLE CO COM	Stock	742718109	575,339	3,546	SH		SOLE	0	3,546	0	0
COCA COLA CO COM	Stock	191216100	237,501	3,882	SH		SOLE	0	3,882	0	0
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF	ETF	46138J825	7,737,183	378,717	SH		SOLE	0	378,716	0	0
VANGUARD REAL ESTATE ETF	ETF	922908553	73,264,042	847,179	SH		SOLE	0	847,179	0	0
INTEL CORP COM	Stock	458140100	240,152	5,437	SH		SOLE	0	5,437	0	0
SPDR S&P 500 ETF TRUST	ETF	78462F103	5,525,708	10,564	SH		SOLE	0	10,563	0	0
ISHARES MSCI JAPAN ETF	ETF	46434G822	532,184	7,459	SH		SOLE	0	7,458	0	0
ISHARES TIPS BOND ETF	ETF	464287176	27,847,500	259,264	SH		SOLE	0	259,263	0	0
INVESCO BULLETSHARES 2024 HIGH YIELD CORPORATE BOND ETF	ETF	46138J833	2,322,263	102,167	SH		SOLE	0	102,167	0	0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF	ETF	922042718	3,218,610	27,547	SH		SOLE	0	27,547	0	0
PEPSICO INC COM	Stock	713448108	275,641	1,575	SH		SOLE	0	1,575	0	0
HEALTH CARE SELECT SECTOR SPDR FUND	ETF	81369Y209	329,433	2,230	SH		SOLE	0	2,229	0	0
SPDR GOLD SHARES	ETF	78463V107	1,446,417	7,031	SH		SOLE	0	7,031	0	0
ISHARES RUSSELL 1000 GROWTH ETF	ETF	464287614	6,107,142	18,119	SH		SOLE	0	18,119	0	0
SCHWAB U.S. BROAD MARKET ETF	ETF	808524102	219,827,573	3,600,779	SH		SOLE	0	3,600,779	0	0
SCHWAB INTERNATIONAL EQUITY ETF	ETF	808524805	108,503,209	2,780,708	SH		SOLE	0	2,780,707	0	0
ISHARES U.S. REAL ESTATE ETF	ETF	464287739	5,503,118	61,214	SH		SOLE	0	61,213	0	0
INVESCO BULLETSHARES 2027 CORPORATE BOND ETF	ETF	46138J783	3,240,819	168,005	SH		SOLE	0	168,005	0	0
INVESCO BULLETSHARES 2025 HIGH YIELD CORPORATE BOND ETF	ETF	46138J817	2,075,958	90,456	SH		SOLE	0	90,455	0	0
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF	ETF	46435U853	49,199,078	1,344,604	SH		SOLE	0	1,344,604	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	40,877,704	369,867	SH		SOLE	0	369,867	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	3,256,927	7,745	SH		SOLE	0	7,745	0	0
SCHWAB EMERGING MARKETS EQUITY ETF	ETF	808524706	44,939,631	1,779,787	SH		SOLE	0	1,779,787	0	0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF	ETF	92206C870	68,051,169	845,251	SH		SOLE	0	845,251	0	0
PG&E CORP COM	Stock	69331C108	374,754	22,360	SH		SOLE	0	22,360	0	0
MICROSOFT CORP COM	Stock	594918104	1,441,807	3,427	SH		SOLE	0	3,427	0	0
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF	ETF	46138J791	7,214,413	375,555	SH		SOLE	0	375,555	0	0
AMERIPRISE FINL INC COM	Stock	03076C106	280,602	640	SH		SOLE	0	640	0	0
INVESCO BULLETSHARES 2028 CORPORATE BOND ETF	ETF	46138J643	3,211,220	160,001	SH		SOLE	0	160,001	0	0
INVESCO BULLETSHARES 2026 HIGH YIELD CORP BOND ETF	ETF	46138J635	1,756,756	75,788	SH		SOLE	0	75,787	0	0
VANGUARD SMALL-CAP ETF	ETF	922908751	2,787,415	12,194	SH		SOLE	0	12,193	0	0
VANGUARD LARGE-CAP ETF	ETF	922908637	1,294,704	5,400	SH		SOLE	0	5,400	0	0
FINANCIAL SELECT SECTOR SPDR FUND	ETF	81369Y605	685,786	16,282	SH		SOLE	0	16,281	0	0
VANGUARD FTSE EUROPE ETF	ETF	922042874	1,484,125	22,039	SH		SOLE	0	22,039	0	0
SCHWAB US TIPS ETF	ETF	808524870	6,781,920	130,021	SH		SOLE	0	130,021	0	0
VANGUARD S&P 500 ETF	ETF	922908363	2,975,559	6,190	SH		SOLE	0	6,190	0	0
VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF	ETF	922042676	760,332	18,043	SH		SOLE	0	18,043	0	0
VANGUARD S&P SMALL-CAP 600 ETF	ETF	921932828	1,771,617	17,454	SH		SOLE	0	17,454	0	0
ELI LILLY & CO COM	Stock	532457108	515,787	663	SH		SOLE	0	663	0	0
ISHARES RUSSELL MID-CAP VALUE ETF	ETF	464287473	856,483	6,834	SH		SOLE	0	6,833	0	0
ISHARES RUSSELL 2000 ETF	ETF	464287655	2,572,581	12,233	SH		SOLE	0	12,232	0	0
ISHARES 0-3 MONTH TREASURY BOND ETF	ETF	46436E718	2,002,423	19,883	SH		SOLE	0	19,883	0	0
ISHARES RUSSELL MID-CAP GROWTH ETF	ETF	464287481	891,814	7,813	SH		SOLE	0	7,813	0	0
VANGUARD FTSE PACIFIC ETF	ETF	922042866	1,517,353	19,957	SH		SOLE	0	19,957	0	0
VANGUARD SMALL CAP VALUE ETF	ETF	922908611	2,361,007	12,305	SH		SOLE	0	12,304	0	0
VANECK MORTGAGE REIT INCOME ETF	ETF	92189F452	414,397	35,449	SH		SOLE	0	35,448	0	0
DIMENSIONAL U.S. CORE EQUITY 2 ETF	ETF	25434V708	537,327	16,818	SH		SOLE	0	16,817	0	0
DIMENSIONAL U.S. EQUITY ETF	ETF	25434V401	352,960	6,194	SH		SOLE	0	6,194	0	0
VANGUARD SMALL-CAP GROWTH ETF	ETF	922908595	1,486,498	5,702	SH		SOLE	0	5,701	0	0
CANADIAN PACIFIC KANSAS CITY COM	Stock	13646K108	254,282	2,884	SH		SOLE	0	2,884	0	0
VANGUARD TOTAL BOND MARKET ETF	ETF	921937835	12,094,095	166,517	SH		SOLE	0	166,516	0	0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND	ETF	922042775	748,631	12,764	SH		SOLE	0	12,764	0	0
ISHARES MSCI EMERGING MARKETS SMALL CAP ETF	ETF	464286475	997,151	16,944	SH		SOLE	0	16,943	0	0
ROCKWELL AUTOMATION INC COM	Stock	773903109	315,419	1,083	SH		SOLE	0	1,082	0	0
CISCO SYS INC COM	Stock	17275R102	411,758	8,250	SH		SOLE	0	8,250	0	0
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF	ETF	921946885	342,707	5,367	SH		SOLE	0	5,367	0	0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF	ETF	464288513	7,639,998	98,289	SH		SOLE	0	98,288	0	0
ISHARES CORE S&P 500 ETF	ETF	464287200	1,251,186	2,380	SH		SOLE	0	2,379	0	0
ISHARES PREFERRED & INCOME SECURITIES ETF	ETF	464288687	13,332,793	413,676	SH		SOLE	0	413,676	0	0
LOCKHEED MARTIN CORP COM	Stock	539830109	257,456	566	SH		SOLE	0	566	0	0
JPMORGAN CHASE & CO COM	Stock	46625H100	330,495	1,650	SH		SOLE	0	1,650	0	0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288638	7,826,124	151,669	SH		SOLE	0	151,669	0	0
CHEVRON CORP NEW COM	Stock	166764100	236,610	1,500	SH		SOLE	0	1,500	0	0
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	82,605,188	1,646,506	SH		SOLE	0	1,646,505	0	0
SPDR S&P DIVIDEND ETF	ETF	78464A763	1,409,331	10,739	SH		SOLE	0	10,738	0	0
INTERNATIONAL BUSINESS MACHS COM	Stock	459200101	301,526	1,579	SH		SOLE	0	1,579	0	0
ORACLE CORP COM	Stock	68389X105	509,349	4,055	SH		SOLE	0	4,055	0	0
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	30,770,233	736,659	SH		SOLE	0	736,658	0	0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF	ETF	921946406	28,275,480	233,701	SH		SOLE	0	233,700	0	0
CATERPILLAR INC COM	Stock	149123101	302,305	825	SH		SOLE	0	825	0	0
AMERICAN EXPRESS CO COM	Stock	025816109	423,048	1,858	SH		SOLE	0	1,858	0	0
ISHARES MSCI EAFE SMALL-CAP ETF	ETF	464288273	1,389,880	21,947	SH		SOLE	0	21,946	0	0
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	81,676,097	833,940	SH		SOLE	0	833,940	0	0
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF	ETF	46138J841	7,986,519	380,855	SH		SOLE	0	380,854	0	0
ISHARES RUSSELL 3000 ETF	ETF	464287689	5,622,312	18,736	SH		SOLE	0	18,736	0	0
SPDR DOW JONES REIT ETF	ETF	78464A607	3,286,353	34,868	SH		SOLE	0	34,868	0	0
EXXON MOBIL CORP COM	Stock	30231G102	352,207	3,030	SH		SOLE	0	3,030	0	0
LOWES COS INC COM	Stock	548661107	318,413	1,250	SH		SOLE	0	1,250	0	0
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	5,164,577	85,028	SH		SOLE	0	85,027	0	0
ISHARES MSCI EAFE ETF	ETF	464287465	2,357,328	29,518	SH		SOLE	0	29,518	0	0
APPLE INC COM	Stock	037833100	2,893,566	16,874	SH		SOLE	0	16,874	0	0
VANGUARD TOTAL WORLD STOCK ETF	ETF	922042742	259,746	2,351	SH		SOLE	0	2,350	0	0
ISHARES RUSSELL 1000 VALUE ETF	ETF	464287598	5,989,551	33,441	SH		SOLE	0	33,440	0	0