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
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326A104 7,827 55,136 SH   SOLE   0 0 55,136
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 420 2,019 SH   SOLE   0 0 2,019
ISHARES TR IBOXX INV CP ETF 464287242 24,676 193,571 SH   SOLE   0 0 193,571
ISHARES TR MSCI EAFE ETF 464287465 983 15,077 SH   SOLE   0 0 15,077
ISHARES TR RUSSELL 2000 ETF 464287655 11,734 77,531 SH   SOLE   0 0 77,531
ISHARES TR SHORT TREAS BD 464288679 14,196 128,334 SH   SOLE   0 0 128,334
ISHARES TR MIN VOL EAFE ETF 46429B689 20,302 277,054 SH   SOLE   0 0 277,054
ISHARES TR ESG USD CORPT 46435G193 227 8,638 SH   SOLE   0 0 8,638
KRANESHARES TR QUADRTC INT RT 500767736 5,835 229,588 SH   SOLE   0 0 229,588
NORTHROP GRUMMAN CORP COM 666807102 358 956 SH   SOLE   0 0 956
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 260 10,351 SH   SOLE   0 0 10,351
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 339 6,694 SH   SOLE   0 0 6,694
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,754 12,650 SH   SOLE   0 0 12,650
SPDR SERIES TRUST BLOMBERG BRC INV 78468R200 3,007 97,756 SH   SOLE   0 0 97,756
SPDR SERIES TRUST MSCI USA STRTGIC 78468R812 18,301 206,189 SH   SOLE   0 0 206,189
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 3,843 82,973 SH   SOLE   0 0 82,973
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 33,856 687,719 SH   SOLE   0 0 687,719
VANGUARD GROUP DIV APP ETF 921908844 17,001 142,175 SH   SOLE   0 0 142,175
VERIZON COMMUNICATIONS INC COM 92343V104 1,641 27,191 SH   SOLE   0 0 27,191