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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305   235,149 1,558 SH   SOLE 0 0 0 1,558
AMAZON COM INC COM 023135106   239,725 1,329 SH   SOLE 0 0 0 1,329
APPLE INC COM 037833100   1,637,421 9,549 SH   SOLE 0 0 0 9,549
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230   202,326 4,018 SH   SOLE 0 0 0 4,018
HOME DEPOT INC COM 437076102   1,645,718 4,290 SH   SOLE 0 0 0 4,290
ISHARES TR CORE S&P SCP ETF 464287804   2,306,913 20,873 SH   SOLE 0 0 0 20,873
ISHARES TR CORE S&P500 ETF 464287200   14,539,877 27,657 SH   SOLE 0 0 0 27,657
ISHARES TR CORE INTL AGGR 46435G672   1,262,622 25,278 SH   SOLE 0 0 0 25,278
ISHARES TR SHRT NAT MUN ETF 464288158   2,345,737 22,398 SH   SOLE 0 0 0 22,398
ISHARES TR CORE MSCI EAFE 46432F842   642,003 8,650 SH   SOLE 0 0 0 8,650
ISHARES TR 0-5YR INVT GR CP 46434V100   16,246,616 330,082 SH   SOLE 0 0 0 330,082
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   40,446,377 867,111 SH   SOLE 0 0 0 867,111
MICROSOFT CORP COM 594918104   715,030 1,700 SH   SOLE 0 0 0 1,700
NORFOLK SOUTHN CORP COM 655844108   253,851 996 SH   SOLE 0 0 0 996
PACER FDS TR US CASH COWS 100 69374H881   26,935,668 463,529 SH   SOLE 0 0 0 463,529
PROCTER AND GAMBLE CO COM 742718109   306,149 1,887 SH   SOLE 0 0 0 1,887
SPDR S&P 500 ETF TR TR UNIT 78462F103   705,952 1,350 SH   SOLE 0 0 0 1,350
SPDR SER TR PORTFOLI S&P1500 78464A805   661,707 10,315 SH   SOLE 0 0 0 10,315
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   11,790,328 116,161 SH   SOLE 0 0 0 116,161
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   14,357,206 187,260 SH   SOLE 0 0 0 187,260
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   340,373 4,686 SH   SOLE 0 0 0 4,686
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   17,047,273 346,560 SH   SOLE 0 0 0 346,560
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   104,421,702 217,228 SH   SOLE 0 0 0 217,228
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,259,311 9,423 SH   SOLE 0 0 0 9,423
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,401,870 5,394 SH   SOLE 0 0 0 5,394
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   208,072 4,112 SH   SOLE 0 0 0 4,112
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   243,026 1,331 SH   SOLE 0 0 0 1,331
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,622,133 26,901 SH   SOLE 0 0 0 26,901
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   23,930,668 476,992 SH   SOLE 0 0 0 476,992
VANGUARD WORLD FDS INF TECH ETF 92204A702   15,560,220 29,676 SH   SOLE 0 0 0 29,676
WEYERHAEUSER CO MTN BE COM NEW 962166104   294,929 8,213 SH   SOLE 0 0 0 8,213