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
INVESCO QQQ TRUST UNIT SER 1 46090E103 201 631 SH   SOLE NONE 0 0 631
SPDR PORTFOLIO INTERMEDIATE TERM TREASURY ETF PORTFLI INTRMDIT 78464A672 6,064 189,033 SH   SOLE NONE 0 0 189,033
VANGUARD EXTENDED MARKET INDEX FUND EXTEND MKT ETF 922908652 2,160 12,213 SH   SOLE NONE 0 0 12,213
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF SHRT NAT MUN ETF 464288158 2,040 18,923 SH   SOLE NONE 0 0 18,923
ISHARES 1-3 YEAR TREASURY BOND ETF 1 3 YR TREAS BD 464287457 9,540 110,615 SH   SOLE NONE 0 0 110,615
SCHWAB U.S. SMALL-CAP ETF US SML CAP ETF 808524607 5,416 54,347 SH   SOLE NONE 0 0 54,347
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 553 2,277 SH   SOLE NONE 0 0 2,277
ISHARES S&P SMALL-CAP FUND CORE S&P SCP ETF 464287804 7,334 67,578 SH   SOLE NONE 0 0 67,578
TESLA INC COM COM 88160R101 321 482 SH   SOLE NONE 0 0 482
SCHWAB SHORT-TERM U.S. TREASURY ETF SHT TM US TRES 808524862 10,665 207,871 SH   SOLE NONE 0 0 207,871
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 7,149 19,625 SH   SOLE NONE 0 0 19,625
PIMCO INVESTMENT GRADE CORPORATE BOND INDEX EXCHANGE-TRADED FUND INV GRD CRP BD 72201R817 2,718 24,397 SH   SOLE NONE 0 0 24,397
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ISHS 1-5YR INVS 464288646 4,584 83,845 SH   SOLE NONE 0 0 83,845
VANGUARD TOTAL BOND MARKET INDEX FUND TOTAL BND MRKT 921937835 9,662 114,051 SH   SOLE NONE 0 0 114,051
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 36,715 92,292 SH   SOLE NONE 0 0 92,292
ISHARES NATIONAL MUNI BOND ETF NATIONAL MUN ETF 464288414 1,599 13,783 SH   SOLE NONE 0 0 13,783
WISDOMTREE U.S. LARGECAP FUND US LARGECAP FUND 97717W588 210 4,863 SH   SOLE NONE 0 0 4,863
ISHARES 3-7 YEAR TREASURY BOND ETF 3 7 YR TREAS BD 464288661 380 2,931 SH   SOLE NONE 0 0 2,931
ISHARES 7-10 YEAR TREASURY BOND ETF BARCLAYS 7 10 YR 464287440 471 4,179 SH   SOLE NONE 0 0 4,179
ISHARES CORE U.S. AGGREGATE BOND ETF CORE US AGGBD ET 464287226 884 7,766 SH   SOLE NONE 0 0 7,766
ISHARES CORE DIVIDEND GROWTH ETF CORE DIV GRWTH 46434V621 10,719 222,072 SH   SOLE NONE 0 0 222,072
FIDELITY MSCI REAL ESTATE INDEX ETF MSCI RL EST ETF 316092857 573 20,872 SH   SOLE NONE 0 0 20,872
ISHARES S&P MIDCAP FUND CORE S&P MCP ETF 464287507 7,128 27,388 SH   SOLE NONE 0 0 27,388
ISHARES RUSSELL 1000 ETF RUS 1000 ETF 464287622 738 3,301 SH   SOLE NONE 0 0 3,301