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
Estimated average burden
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 US Treasury Bd Bond 46429B267 11,677 417,192 SH   SOLE   0 0 417,192
iShares Core International Aggt Bd ETF Bond 46435G672 8,277 148,645 SH   SOLE   0 0 148,645
SPDR Portfolio TIPS ETF Bond 78464A656 5,759 191,061 SH   SOLE   0 0 191,061
iShares 1-3 Year Treasury Bond ETF Bond 464287457 4,700 54,264 SH   SOLE   0 0 54,264
SPDR Portfolio Long Term Treasury ETF Bond 78464A664 4,201 89,561 SH   SOLE   0 0 89,561
iShares Core US Aggregate Bond Bond 464287226 3,975 33,629 SH   SOLE   0 0 33,629
iShares TIPS Bond Bond 464287176 3,336 27,121 SH   SOLE   0 0 27,121
Schwab Intermediate-Term US Trs ETF Bond 808524854 3,186 54,195 SH   SOLE   0 0 54,195
Schwab US TIPS ETF Bond 808524870 1,894 31,550 SH   SOLE   0 0 31,550
SPDR Blmbg Barclays Intl Trs Bd ETF Bond 78464A516 1,743 60,292 SH   SOLE   0 0 60,292
iShares Core Total USD Bond Market ETF Bond 46434V613 1,355 24,943 SH   SOLE   0 0 24,943
Schwab Short-Term US Treasury Bond 808524862 1,129 21,865 SH   SOLE   0 0 21,865
iShares ESG US Aggregate Bond ETF Bond 46435U549 690 12,204 SH   SOLE   0 0 12,204
WisdomTree Yield Enhanced US Aggt Bd ETF Bond 97717X511 222 4,119 SH   SOLE   0 0 4,119
Invesco Global Short Term Hi Yld Bd ETF Bond 46138E669 207 9,753 SH   SOLE   0 0 9,753
SPDR Portfolio Total Stock Market Equity 78464A805 36,186 957,805 SH   SOLE   0 0 957,805
Fidelity Quality Factor ETF Equity 316092790 13,014 356,438 SH   SOLE   0 0 356,438
Schwab US Broad Market ETF Equity 808524102 12,317 167,644 SH   SOLE   0 0 167,644
SPDR Portfolio Developed Wld ex-US Equity 78463X889 8,085 292,727 SH   SOLE   0 0 292,727
iShares Core S&P Total US Stock Mkt ETF Equity 464287150 6,735 96,992 SH   SOLE   0 0 96,992
SPDR Emerging Markets ETF Equity 78463X509 5,671 169,472 SH   SOLE   0 0 169,472
iShares Core MSCI Total Intl Stk ETF Equity 46432F834 4,633 84,973 SH   SOLE   0 0 84,973
iShares Core US REIT Equity 464288521 4,160 95,678 SH   SOLE   0 0 95,678
iShares Core MSCI Emerging Markets Equity 46434G103 4,117 86,492 SH   SOLE   0 0 86,492
Schwab International Equity ETF Equity 808524805 2,710 91,098 SH   SOLE   0 0 91,098
Schwab US REIT ETF Equity 808524847 1,776 50,413 SH   SOLE   0 0 50,413
Schwab Emerging Markets Equity ETF Equity 808524706 1,759 72,255 SH   SOLE   0 0 72,255
Vanguard FTSE Developed Markets Equity 921943858 834 21,510 SH   SOLE   0 0 21,510
SPDR Portfolio SmallCap Equity 78468R853 412 15,489 SH   SOLE   0 0 15,489
SPDR Portfolio S&P 400 Mid Cap Equity 78464A847 403 12,903 SH   SOLE   0 0 12,903
AT&T Inc Equity 00206R102 370 12,256 SH   SOLE   0 0 12,256
Vanguard Total Stock Market Equity 922908769 351 2,240 SH   SOLE   0 0 2,240
Microsoft Corp Equity 594918104 305 1,499 SH   SOLE   0 0 1,499
Apple Inc Equity 037833100 302 828 SH   SOLE   0 0 828
Procter & Gamble Co Equity 742718109 261 2,184 SH   SOLE   0 0 2,184
Leidos Holdings Inc Equity 525327102 211 2,250 SH   SOLE   0 0 2,250