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
SPDR SER TR PORTFOLIO INTRMD 78464A375 1,409 38,393 SH   SOLE   0 0 38,393
SPDR S&P 500 ETF TR TR UNIT 78462F103 555 1,296 SH   SOLE   0 0 1,296
VANGUARD INDEX FDS LARGE CAP ETF 922908637 852 4,243 SH   SOLE   0 0 4,243
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,585 69,580 SH   SOLE   0 0 69,580
J P MORGAN EXCHANGE-TRADED F INTL BD OPP ETF 46641Q852 218 4,223 SH   SOLE   0 0 4,223
APPLE INC COM 037833100 2,643 19,295 SH   SOLE   0 0 19,295
ISHARES TR MSCI USA MIN VOL 46429B697 550 7,467 SH   SOLE   0 0 7,467
ISHARES TR EAFE SML CP ETF 464288273 712 9,595 SH   SOLE   0 0 9,595
VANGUARD INDEX FDS GROWTH ETF 922908736 10,333 36,027 SH   SOLE   0 0 36,027
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 713 7,139 SH   SOLE   0 0 7,139
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 440 9,908 SH   SOLE   0 0 9,908
NIKE INC CL B 654106103 280 1,813 SH   SOLE   0 0 1,813
ISHARES TR CORE MSCI TOTAL 46432F834 3,596 49,054 SH   SOLE   0 0 49,054
ISHARES TR CORE S&P SCP ETF 464287804 4,047 35,818 SH   SOLE   0 0 35,818
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316 583 3,542 SH   SOLE   0 0 3,542
ORGANON & CO COMMON STOCK 68622V106 423 13,969 SH   SOLE   0 0 13,969
TEMPLETON GLOBAL INCOME FD COM 880198106 313 55,835 SH   SOLE   0 0 55,835
VANGUARD INDEX FDS VALUE ETF 922908744 7,224 52,552 SH   SOLE   0 0 52,552
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 597 9,423 SH   SOLE   0 0 9,423
VANGUARD STAR FDS VG TL INTL STK F 921909768 6,813 103,737 SH   SOLE   0 0 103,737
ISHARES INC CORE MSCI EMKT 46434G103 2,196 32,788 SH   SOLE   0 0 32,788
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 751 2,704 SH   SOLE   0 0 2,704
PGIM ETF TR ULTRA SHORT 69344A107 5,492 110,400 SH   SOLE   0 0 110,400
VANGUARD INDEX FDS SML CP GRW ETF 922908595 299 1,031 SH   SOLE   0 0 1,031
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 399 3,923 SH   SOLE   0 0 3,923
VANGUARD INDEX FDS MID CAP ETF 922908629 9,499 40,022 SH   SOLE   0 0 40,022
ISHARES TR ISHS 5-10YR INVT 464288638 837 13,828 SH   SOLE   0 0 13,828
LABORATORY CORP AMER HLDGS COM NEW 50540R409 1,381 5,006 SH   SOLE   0 0 5,006
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 350 8,880 SH   SOLE   0 0 8,880
ISHARES TR RUS 1000 VAL ETF 464287598 363 2,289 SH   SOLE   0 0 2,289
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 470 3,218 SH   SOLE   0 0 3,218
ISHARES TR CORE S&P TTL STK 464287150 2,307 23,360 SH   SOLE   0 0 23,360
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 1,460 7,040 SH   SOLE   0 0 7,040
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 248 4,646 SH   SOLE   0 0 4,646
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,571 6,975 SH   SOLE   0 0 6,975
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 792 14,472 SH   SOLE   0 0 14,472
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 406 2,752 SH   SOLE   0 0 2,752
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 2,015 103,117 SH   SOLE   0 0 103,117
VANGUARD INDEX FDS TOTAL STK MKT 922908769 861 3,863 SH   SOLE   0 0 3,863
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,076 7,063 SH   SOLE   0 0 7,063
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 24,371 61,930 SH   SOLE   0 0 61,930
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 750 7,162 SH   SOLE   0 0 7,162
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,652 18,877 SH   SOLE   0 0 18,877
TESLA INC COM 88160R101 340 500 SH   SOLE   0 0 500
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 11,145 134,750 SH   SOLE   0 0 134,750
ISHARES TR S&P MC 400GR ETF 464287606 222 2,747 SH   SOLE   0 0 2,747
VANGUARD WORLD FD MEGA GRWTH IND 921910816 569 2,458 SH   SOLE   0 0 2,458
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 794 4,955 SH   SOLE   0 0 4,955
MERCK & CO INC COM 58933Y105 8,887 114,279 SH   SOLE   0 0 114,279
ISHARES TR RUS 1000 ETF 464287622 837 3,456 SH   SOLE   0 0 3,456
ISHARES TR RUS 1000 GRW ETF 464287614 1,654 6,092 SH   SOLE   0 0 6,092
ISHARES TR CORE S&P MCP ETF 464287507 5,358 19,939 SH   SOLE   0 0 19,939
MICROSOFT CORP COM 594918104 240 885 SH   SOLE   0 0 885
ISHARES TR CORE MSCI EAFE 46432F842 5,445 72,736 SH   SOLE   0 0 72,736
ISHARES TR RUSSELL 2000 ETF 464287655 373 1,626 SH   SOLE   0 0 1,626
ISHARES TR S&P 500 VAL ETF 464287408 806 5,458 SH   SOLE   0 0 5,458
SPDR GOLD TR GOLD SHS 78463V107 230 1,388 SH   SOLE   0 0 1,388
WISDOMTREE TR INTL SMCAP DIV 97717W760 1,911 25,592 SH   SOLE   0 0 25,592
ISHARES TR S&P MC 400VL ETF 464287705 354 3,359 SH   SOLE   0 0 3,359
MARRIOTT INTL INC NEW CL A 571903202 883 6,465 SH   SOLE   0 0 6,465
ISHARES INC MSCI EQUAL WEITE 464286681 383 4,531 SH   SOLE   0 0 4,531
SPDR SER TR PORTFOLIO SHORT 78464A474 8,199 261,948 SH   SOLE   0 0 261,948
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 563 10,358 SH   SOLE   0 0 10,358
ISHARES TR ISHS 1-5YR INVS 464288646 378 6,891 SH   SOLE   0 0 6,891
INVESCO EXCHANGE TRADED FD T S&P500 EQL ENR 46137V365 607 13,402 SH   SOLE   0 0 13,402
ISHARES TR CORE S&P500 ETF 464287200 34,487 80,217 SH   SOLE   0 0 80,217
SPDR SER TR S&P DIVID ETF 78464A763 1,802 14,740 SH   SOLE   0 0 14,740
ISHARES TR 0-5YR INVT GR CP 46434V100 7,238 139,656 SH   SOLE   0 0 139,656
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 432 4,540 SH   SOLE   0 0 4,540
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 267 1,129 SH   SOLE   0 0 1,129
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,825 61,643 SH   SOLE   0 0 61,643
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,102 12,105 SH   SOLE   0 0 12,105
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 319 4,667 SH   SOLE   0 0 4,667