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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hours per response: 23.8
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
ISHARES TR CORE S&P MCP ETF 464287507 5,184 19,704 SH   SOLE   0 0 19,704
ISHARES TR S&P MC 400VL ETF 464287705 346 3,362 SH   SOLE   0 0 3,362
ISHARES TR CORE S&P SCP ETF 464287804 4,160 38,098 SH   SOLE   0 0 38,098
ISHARES TR S&P 500 VAL ETF 464287408 794 5,463 SH   SOLE   0 0 5,463
ISHARES TR CORE S&P500 ETF 464287200 34,396 79,838 SH   SOLE   0 0 79,838
ISHARES TR RUS 1000 ETF 464287622 793 3,281 SH   SOLE   0 0 3,281
ISHARES TR RUS 1000 VAL ETF 464287598 360 2,301 SH   SOLE   0 0 2,301
ISHARES TR RUS 1000 GRW ETF 464287614 1,621 5,916 SH   SOLE   0 0 5,916
ISHARES TR RUSSELL 2000 ETF 464287655 342 1,563 SH   SOLE   0 0 1,563
SPDR S&P 500 ETF TR TR UNIT 78462F103 544 1,269 SH   SOLE   0 0 1,269
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 687 2,517 SH   SOLE   0 0 2,517
MICROSOFT CORP COM 594918104 250 887 SH   SOLE   0 0 887
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 412 2,757 SH   SOLE   0 0 2,757
MERCK & CO INC COM 58933Y105 7,970 106,105 SH   SOLE   0 0 106,105
NIKE INC CL B 654106103 254 1,751 SH   SOLE   0 0 1,751
TEMPLETON GLOBAL INCOME FD COM 880198106 306 56,968 SH   SOLE   0 0 56,968
MARRIOTT INTL INC NEW CL A 571903202 957 6,465 SH   SOLE   0 0 6,465
VANGUARD INDEX FDS TOTAL STK MKT 922908769 855 3,851 SH   SOLE   0 0 3,851
APPLE INC COM 037833100 2,733 19,315 SH   SOLE   0 0 19,315
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 523 10,453 SH   SOLE   0 0 10,453
SPDR GOLD TR GOLD SHS 78463V107 228 1,388 SH   SOLE   0 0 1,388
VANGUARD INDEX FDS VALUE ETF 922908744 6,925 51,155 SH   SOLE   0 0 51,155
VANGUARD INDEX FDS MID CAP ETF 922908629 9,246 39,051 SH   SOLE   0 0 39,051
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,046 12,086 SH   SOLE   0 0 12,086
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,488 6,806 SH   SOLE   0 0 6,806
VANGUARD INDEX FDS GROWTH ETF 922908736 10,191 35,121 SH   SOLE   0 0 35,121
VANGUARD INDEX FDS SML CP GRW ETF 922908595 289 1,031 SH   SOLE   0 0 1,031
SPDR SER TR S&P DIVID ETF 78464A763 1,744 14,839 SH   SOLE   0 0 14,839
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 778 4,916 SH   SOLE   0 0 4,916
WISDOMTREE TR INTL SMCAP DIV 97717W760 1,910 25,724 SH   SOLE   0 0 25,724
ISHARES TR CORE S&P TTL STK 464287150 1,671 16,982 SH   SOLE   0 0 16,982
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 441 9,922 SH   SOLE   0 0 9,922
VANGUARD INDEX FDS LARGE CAP ETF 922908637 736 3,664 SH   SOLE   0 0 3,664
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 267 1,129 SH   SOLE   0 0 1,129
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,638 18,897 SH   SOLE   0 0 18,897
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 568 9,319 SH   SOLE   0 0 9,319
ISHARES TR ISHS 1-5YR INVS 464288646 804 14,718 SH   SOLE   0 0 14,718
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 737 7,129 SH   SOLE   0 0 7,129
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,956 78,346 SH   SOLE   0 0 78,346
ISHARES TR ISHS 5-10YR INVT 464288638 834 13,881 SH   SOLE   0 0 13,881
ISHARES TR EAFE SML CP ETF 464288273 694 9,324 SH   SOLE   0 0 9,324
VANGUARD WORLD FD MEGA GRWTH IND 921910816 577 2,458 SH   SOLE   0 0 2,458
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,037 6,802 SH   SOLE   0 0 6,802
SPDR SER TR PORTFOLIO S&P500 78464A854 1,377 27,288 SH   SOLE   0 0 27,288
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 2,024 103,900 SH   SOLE   0 0 103,900
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316 525 3,278 SH   SOLE   0 0 3,278
INVESCO EXCHANGE TRADED FD T S&P500 EQL ENR 46137V365 622 13,786 SH   SOLE   0 0 13,786
ISHARES INC MSCI EQUAL WEITE 464286681 459 5,484 SH   SOLE   0 0 5,484
SPDR SER TR PORTFOLIO INTRMD 78464A375 2,077 56,867 SH   SOLE   0 0 56,867
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 430 4,559 SH   SOLE   0 0 4,559
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 344 8,880 SH   SOLE   0 0 8,880
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 11,737 142,423 SH   SOLE   0 0 142,423
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 477 3,219 SH   SOLE   0 0 3,219
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 315 4,667 SH   SOLE   0 0 4,667
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 248 4,658 SH   SOLE   0 0 4,658
SPDR SER TR PORTFOLIO SHORT 78464A474 8,181 261,801 SH   SOLE   0 0 261,801
TESLA INC COM 88160R101 388 500 SH   SOLE   0 0 500
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 1,419 7,040 SH   SOLE   0 0 7,040
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 25,030 63,462 SH   SOLE   0 0 63,462
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,933 64,345 SH   SOLE   0 0 64,345
VANGUARD STAR FDS VG TL INTL STK F 921909768 6,607 104,438 SH   SOLE   0 0 104,438
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 667 6,718 SH   SOLE   0 0 6,718
ISHARES TR MSCI USA MIN VOL 46429B697 550 7,488 SH   SOLE   0 0 7,488
ISHARES INC CORE MSCI EMKT 46434G103 2,194 35,527 SH   SOLE   0 0 35,527
ISHARES TR CORE MSCI TOTAL 46432F834 3,663 51,597 SH   SOLE   0 0 51,597
ISHARES TR CORE MSCI EAFE 46432F842 5,258 70,820 SH   SOLE   0 0 70,820
ISHARES TR CORE 1 5 YR USD 46432F859 603 11,800 SH   SOLE   0 0 11,800
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 766 14,200 SH   SOLE   0 0 14,200
ISHARES TR 0-5YR INVT GR CP 46434V100 7,422 143,618 SH   SOLE   0 0 143,618
J P MORGAN EXCHANGE-TRADED F INTL BD OPP ETF 46641Q852 218 4,247 SH   SOLE   0 0 4,247
PGIM ETF TR ULTRA SHORT 69344A107 5,954 119,841 SH   SOLE   0 0 119,841
ORGANON & CO COMMON STOCK 68622V106 440 13,409 SH   SOLE   0 0 13,409