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
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 430 2,019 SH   SOLE   0 0 2,019
ISHARES TR IBOXX INV CP ETF 464287242 24,144 194,131 SH   SOLE   0 0 194,131
ISHARES TR MSCI EAFE ETF 464287465 1,051 15,985 SH   SOLE   0 0 15,985
ISHARES TR RUSSELL 2000 ETF 464287655 11,834 76,105 SH   SOLE   0 0 76,105
ISHARES TR SHORT TREAS BD 464288679 22,870 206,686 SH   SOLE   0 0 206,686
ISHARES TR MIN VOL EAFE ETF 46429B689 19,936 274,449 SH   SOLE   0 0 274,449
ISHARES TR ESG 1 5 YR USD 46435G243 220 8,665 SH   SOLE   0 0 8,665
KRANESHARES TR QUADRTC INT RT 500767736 5,349 205,955 SH   SOLE   0 0 205,955
NORTHROP GRUMMAN CORP COM 666807102 309 956 SH   SOLE   0 0 956
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 284 10,835 SH   SOLE   0 0 10,835
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 219 4,326 SH   SOLE   0 0 4,326
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,752 12,807 SH   SOLE   0 0 12,807
SPDR SERIES TRUST BLOMBERG BRC INV 78468R200 2,922 95,096 SH   SOLE   0 0 95,096
SPDR SERIES TRUST MSCI USA STRTGIC 78468R812 18,037 209,415 SH   SOLE   0 0 209,415
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 3,782 81,826 SH   SOLE   0 0 81,826
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 33,937 691,599 SH   SOLE   0 0 691,599
VANGUARD GROUP DIV APP ETF 921908844 16,586 144,026 SH   SOLE   0 0 144,026
VERIZON COMMUNICATIONS INC COM 92343V104 1,528 26,749 SH   SOLE   0 0 26,749