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
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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
APPLE INC COM 037833100 1,029 5,796 SH   SOLE   0 0 5,796
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 347 1,160 SH   SOLE   0 0 1,160
HOME DEPOT INC COM 437076102 1,720 4,145 SH   SOLE   0 0 4,145
ISHARES TR CORE S&P500 ETF 464287200 48,984 102,693 SH   SOLE   0 0 102,693
ISHARES TR MSCI USA QLT FCT 46432F339 15,089 103,662 SH   SOLE   0 0 103,662
ISHARES TR CORE S&P SCP ETF 464287804 12,875 112,431 SH   SOLE   0 0 112,431
ISHARES TR 0-5 YR TIPS ETF 46429B747 11,801 111,455 SH   SOLE   0 0 111,455
ISHARES TR BLACKROCK ULTRA 46434V878 9,391 186,374 SH   SOLE   0 0 186,374
ISHARES TR GLOBAL REIT ETF 46434V647 6,137 200,499 SH   SOLE   0 0 200,499
ISHARES TR NATIONAL MUN ETF 464288414 1,152 9,906 SH   SOLE   0 0 9,906
ISHARES TR SHRT NAT MUN ETF 464288158 545 5,073 SH   SOLE   0 0 5,073
ISHARES TR 1 3 YR TREAS BD 464287457 280 3,279 SH   SOLE   0 0 3,279
ISHARES TR SHORT TREAS BD 464288679 274 2,481 SH   SOLE   0 0 2,481
ISHARES TR MBS ETF 464288588 213 1,980 SH   SOLE   0 0 1,980
PREMIER FINANCIAL CORP COM 74052F108 254 8,209 SH   SOLE   0 0 8,209
QUALCOMM INC COM 747525103 217 1,189 SH   SOLE   0 0 1,189
SPDR S&P 500 ETF TR TR UNIT 78462F103 612 1,289 SH   SOLE   0 0 1,289
SPDR SER TR PORTFOLIO AGRGTE 78464A649 2,126 71,772 SH   SOLE   0 0 71,772
SPDR SER TR PORTFOLI S&P1500 78464A805 3,217 55,035 SH   SOLE   0 0 55,035
VANGUARD BD INDEX FDS INTERMED TERM 921937819 8,755 99,915 SH   SOLE   0 0 99,915
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 3,014 29,287 SH   SOLE   0 0 29,287
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 26,701 330,334 SH   SOLE   0 0 330,334
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 12,723 230,660 SH   SOLE   0 0 230,660
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,088 9,447 SH   SOLE   0 0 9,447
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,137 4,710 SH   SOLE   0 0 4,710
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,980 120,904 SH   SOLE   0 0 120,904
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,136 17,871 SH   SOLE   0 0 17,871
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 18,668 365,619 SH   SOLE   0 0 365,619
VANGUARD WORLD FDS INF TECH ETF 92204A702 7,925 17,297 SH   SOLE   0 0 17,297
WEYERHAEUSER CO MTN BE COM NEW 962166104 337 8,194 SH   SOLE   0 0 8,194