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
OMB Number: 3235-0006
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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
ALPHABET INC CAP STK CL C 02079K107 281 271 SH   SOLE   0 0 271
APPLE INC COM 037833100 1,986 12,590 SH   SOLE   0 0 12,590
CISCO SYS INC COM 17275R102 314 7,262 SH   SOLE   0 0 7,262
FORD MTR CO DEL COM PAR $0.01 345370860 122 16,011 SH   SOLE   0 0 16,011
GILEAD SCIENCES INC COM 375558103 4,664 74,566 SH   SOLE   0 0 74,566
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 241 5,159 SH   SOLE   0 0 5,159
INVESCO QQQ TR UNIT SER 1 46090E103 3,218 20,859 SH   SOLE   0 0 20,859
ISHARES TR IBOXX HI YD ETF 464288513 415 5,127 SH   SOLE   0 0 5,127
ISHARES TR NATIONAL MUN ETF 464288414 504 4,621 SH   SOLE   0 0 4,621
ISHARES TR TIPS BD ETF 464287176 427 3,912 SH   SOLE   0 0 3,912
MICROSOFT CORP COM 594918104 346 3,411 SH   SOLE   0 0 3,411
NVIDIA CORP COM 67066G104 681 5,103 SH   SOLE   0 0 5,103
ORACLE CORP COM 68389X105 9,833 217,748 SH   SOLE   0 0 217,748
PEPSICO INC COM 713448108 267 2,414 SH   SOLE   0 0 2,414
SPDR SERIES TRUST BLOOMBERG BRCLYS 78464A417 969 28,842 SH   SOLE   0 0 28,842
SYNOPSYS INC COM 871607107 341 4,048 SH   SOLE   0 0 4,048
VANGUARD GROUP DIV APP ETF 921908844 231 2,360 SH   SOLE   0 0 2,360
VANGUARD INDEX FDS GROWTH ETF 922908736 35,600 265,041 SH   SOLE   0 0 265,041
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,069 41,214 SH   SOLE   0 0 41,214
VANGUARD INDEX FDS SMALL CP ETF 922908751 8,085 61,301 SH   SOLE   0 0 61,301
VANGUARD INDEX FDS VALUE ETF 922908744 38,848 396,552 SH   SOLE   0 0 396,552
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 14,043 368,482 SH   SOLE   0 0 368,482
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 7,852 119,979 SH   SOLE   0 0 119,979
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,603 19,343 SH   SOLE   0 0 19,343
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 539 10,475 SH   SOLE   0 0 10,475
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 25,076 675,908 SH   SOLE   0 0 675,908
VISA INC COM CL A 92826C839 995 7,546 SH   SOLE   0 0 7,546