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 1,291 7,396 SH   SOLE   0 0 7,396
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 418 1,185 SH   SOLE   0 0 1,185
HOME DEPOT INC COM 437076102 1,275 4,259 SH   SOLE   0 0 4,259
ISHARES TR CORE S&P500 ETF 464287200 51,554 113,633 SH   SOLE   0 0 113,633
ISHARES TR CORE S&P SCP ETF 464287804 13,654 126,571 SH   SOLE   0 0 126,571
ISHARES TR SHRT NAT MUN ETF 464288158 510 4,876 SH   SOLE   0 0 4,876
ISHARES TR NATIONAL MUN ETF 464288414 1,117 10,187 SH   SOLE   0 0 10,187
ISHARES TR 0-5 YR TIPS ETF 46429B747 12,872 122,658 SH   SOLE   0 0 122,658
ISHARES TR MSCI USA QLT FCT 46432F339 15,172 112,691 SH   SOLE   0 0 112,691
ISHARES TR GLOBAL REIT ETF 46434V647 6,529 223,526 SH   SOLE   0 0 223,526
ISHARES TR BLACKROCK ULTRA 46434V878 9,706 193,539 SH   SOLE   0 0 193,539
NORFOLK SOUTHN CORP COM 655844108 282 990 SH   SOLE   0 0 990
PREMIER FINANCIAL CORP COM 74052F108 249 8,209 SH   SOLE   0 0 8,209
SPDR S&P 500 ETF TR TR UNIT 78462F103 634 1,404 SH   SOLE   0 0 1,404
SPDR SER TR PORTFOLIO AGRGTE 78464A649 2,030 73,060 SH   SOLE   0 0 73,060
SPDR SER TR PORTFOLI S&P1500 78464A805 3,050 54,872 SH   SOLE   0 0 54,872
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,566 26,214 SH   SOLE   0 0 26,214
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 2,576 28,094 SH   SOLE   0 0 28,094
VANGUARD BD INDEX FDS INTERMED TERM 921937819 8,787 107,286 SH   SOLE   0 0 107,286
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 27,559 353,778 SH   SOLE   0 0 353,778
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 5,808 7,302 SH   SOLE   0 0 7,302
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 19,222 400,214 SH   SOLE   0 0 400,214
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 13,180 251,346 SH   SOLE   0 0 251,346
VANGUARD WORLD FDS INF TECH ETF 92204A702 7,707 18,504 SH   SOLE   0 0 18,504
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,276 136,056 SH   SOLE   0 0 136,056
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,947 9,341 SH   SOLE   0 0 9,341
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,562 6,865 SH   SOLE   0 0 6,865
WEYERHAEUSER CO MTN BE COM NEW 962166104 311 8,194 SH   SOLE   0 0 8,194