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
VANGUARD WORLD FD MEGA GRWTH IND 921910816 28,544 109,466 SH   SOLE   0 0 109,466
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 22,207 362,383 SH   SOLE   0 0 362,383
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 20,793 113,713 SH   SOLE   0 0 113,713
ISHARES TR CORE US AGGBD ET 464287226 16,293 142,820 SH   SOLE   0 0 142,820
VANGUARD BD INDEX FDS INTERMED TERM 921937819 11,734 133,921 SH   SOLE   0 0 133,921
VANGUARD INDEX FDS GROWTH ETF 922908736 10,247 31,932 SH   SOLE   0 0 31,932
ISHARES TR CORE DIV GRWTH 46434V621 9,795 176,228 SH   SOLE   0 0 176,228
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 9,641 174,786 SH   SOLE   0 0 174,786
VANGUARD INDEX FDS SML CP GRW ETF 922908595 9,634 34,189 SH   SOLE   0 0 34,189
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 9,427 81,260 SH   SOLE   0 0 81,260
VANGUARD INDEX FDS TOTAL STK MKT 922908769 8,378 34,701 SH   SOLE   0 0 34,701
SCHWAB STRATEGIC TR US TIPS ETF 808524870 8,351 132,784 SH   SOLE   0 0 132,784
ISHARES TR IBOXX HI YD ETF 464288513 7,725 88,783 SH   SOLE   0 0 88,783
ISHARES TR CORE MSCI TOTAL 46432F834 6,024 84,917 SH   SOLE   0 0 84,917
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 5,563 121,910 SH   SOLE   0 0 121,910
ISHARES TR RUS 1000 VAL ETF 464287598 5,058 30,121 SH   SOLE   0 0 30,121
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 4,525 85,628 SH   SOLE   0 0 85,628
ISHARES TR CORE S&P MCP ETF 464287507 3,687 13,024 SH   SOLE   0 0 13,024
ISHARES TR CORE HIGH DV ETF 46429B663 3,040 30,098 SH   SOLE   0 0 30,098
INVESCO QQQ TR UNIT SER 1 46090E103 2,253 5,664 SH   SOLE   0 0 5,664
ISHARES TR NATIONAL MUN ETF 464288414 2,020 17,376 SH   SOLE   0 0 17,376
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,946 20,980 SH   SOLE   0 0 20,980
APPLE INC COM 037833100 1,865 10,505 SH   SOLE   0 0 10,505
ISHARES TR PFD AND INCM SEC 464288687 1,856 47,067 SH   SOLE   0 0 47,067
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,767 20,853 SH   SOLE   0 0 20,853
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 1,559 27,577 SH   SOLE   0 0 27,577
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,559 28,398 SH   SOLE   0 0 28,398
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,260 5,702 SH   SOLE   0 0 5,702
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,217 18,305 SH   SOLE   0 0 18,305
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,155 21,912 SH   SOLE   0 0 21,912
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,130 4,438 SH   SOLE   0 0 4,438
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,102 6,727 SH   SOLE   0 0 6,727
ISHARES TR ISHS 5-10YR INVT 464288638 1,065 17,962 SH   SOLE   0 0 17,962
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,029 5,993 SH   SOLE   0 0 5,993
ISHARES TR MBS ETF 464288588 959 8,925 SH   SOLE   0 0 8,925
SPDR SER TR NUVEEN BBG BRCLY 78464A284 891 14,830 SH   SOLE   0 0 14,830
VANGUARD INDEX FDS VALUE ETF 922908744 874 5,940 SH   SOLE   0 0 5,940
ISHARES TR INTRM GOV CR ETF 464288612 863 7,586 SH   SOLE   0 0 7,586
CHUBB LIMITED COM H1467J104 766 3,964 SH   SOLE   0 0 3,964
SPDR SER TR BLOOMBERG BRCLYS 78468R622 747 6,879 SH   SOLE   0 0 6,879
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 718 6,688 SH   SOLE   0 0 6,688
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 702 13,753 SH   SOLE   0 0 13,753
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 622 28,149 SH   SOLE   0 0 28,149
CSX CORP COM 126408103 541 14,400 SH   SOLE   0 0 14,400
JOHNSON & JOHNSON COM 478160104 530 3,099 SH   SOLE   0 0 3,099
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 501 6,452 SH   SOLE   0 0 6,452
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 489 3,254 SH   SOLE   0 0 3,254
LILLY ELI & CO COM 532457108 460 1,665 SH   SOLE   0 0 1,665
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 456 8,449 SH   SOLE   0 0 8,449
ISHARES TR SELECT DIVID ETF 464287168 415 3,387 SH   SOLE   0 0 3,387
VANGUARD INDEX FDS SMALL CP ETF 922908751 384 1,700 SH   SOLE   0 0 1,700
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 381 1,275 SH   SOLE   0 0 1,275
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 377 12,728 SH   SOLE   0 0 12,728
EVERSOURCE ENERGY COM 30040W108 369 4,057 SH   SOLE   0 0 4,057
ISHARES TR MSCI EAFE ETF 464287465 339 4,310 SH   SOLE   0 0 4,310
ISHARES TR CORE S&P TTL STK 464287150 319 2,984 SH   SOLE   0 0 2,984
ISHARES TR RUSSELL 2000 ETF 464287655 318 1,430 SH   SOLE   0 0 1,430
ISHARES TR CORE S&P SCP ETF 464287804 313 2,737 SH   SOLE   0 0 2,737
SPDR S&P 500 ETF TR TR UNIT 78462F103 313 660 SH   SOLE   0 0 660
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 298 6,028 SH   SOLE   0 0 6,028
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 291 13,559 SH   SOLE   0 0 13,559
ISHARES TR S&P MC 400VL ETF 464287705 264 2,389 SH   SOLE   0 0 2,389
INNOVATOR ETFS TR US EQTY ULTRA B 45782C532 252 8,330 SH   SOLE   0 0 8,330
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 241 11,265 SH   SOLE   0 0 11,265
MICROSOFT CORP COM 594918104 241 717 SH   SOLE   0 0 717
SEMPRA COM 816851109 218 1,649 SH   SOLE   0 0 1,649
NORFOLK SOUTHN CORP COM 655844108 208 698 SH   SOLE   0 0 698
DOMINION ENERGY INC COM 25746U109 201 2,564 SH   SOLE   0 0 2,564