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
PROSPECT CAP CORP 6.375 03/01/2025 Convertible 74348TAT9 10 10,000 SH   SOLE   10,000 0 0
DIGITAL MEDIA SOLUTIONS INC COM CL A Stock 25401G106 30 27,622 SH   SOLE   27,622 0 0
MYMD PHARMACEUTICALS INC COM Stock 62856X102 32 15,000 SH   SOLE   15,000 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201 578 12,943 SH   SOLE   12,943 0 0
VANGUARD CONSUMER STAPLES INDEX FUND ETF 92204A207 650 3,508 SH   SOLE   3,508 0 0
MCDONALDS CORP COM Stock 580135101 785 3,183 SH   SOLE   3,183 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF 922042718 786 7,622 SH   SOLE   7,622 0 0
APPLE INC Stock 037833100 1,097 8,028 SH   SOLE   8,028 0 0
VANGUARD FINANCIALS ETF ETF 92204A405 1,554 20,134 SH   SOLE   20,134 0 0
VANGUARD INDUSTRIALS ETF 92204A603 1,948 11,927 SH   SOLE   11,927 0 0
ISHARES IBONDS DEC 2022 TERM MUNI BOND ETF ETF 46435G755 2,239 86,439 SH   SOLE   86,439 0 0
ISHARES IBONDS DEC 2022 TERM CORPORATE ETF ETF 46434VBA7 2,275 90,980 SH   SOLE   90,980 0 0
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515 2,393 95,901 SH   SOLE   95,901 0 0
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9 2,938 123,085 SH   SOLE   123,085 0 0
VANGUARD SHORT-TERM GOVERNMENT BOND ETF ETF 92206C102 3,196 54,309 SH   SOLE   54,309 0 0
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325 3,425 136,848 SH   SOLE   136,848 0 0
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0 3,737 157,109 SH   SOLE   157,109 0 0
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 4,148 89,248 SH   SOLE   89,248 0 0
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1 4,171 168,885 SH   SOLE   168,885 0 0
VANGUARD COMMUNICATION SERVICES ETF ETF 92204A884 4,292 45,653 SH   SOLE   45,653 0 0
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF ETF 46434VAX8 4,297 171,296 SH   SOLE   171,296 0 0
ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283 4,324 171,826 SH   SOLE   171,826 0 0
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4 4,334 175,129 SH   SOLE   175,129 0 0
VANGUARD CONSUMER DISCRETIONARY ETF 92204A108 4,576 20,120 SH   SOLE   20,120 0 0
ISHARES IBONDS DEC 2026 TERM MUNI BOND ETF ETF 46435U259 4,678 184,626 SH   SOLE   184,626 0 0
VANGUARD INFORMATION TECHNOLOGY ETF 92204A702 5,290 16,201 SH   SOLE   16,201 0 0
ISHARES IBONDS DEC 2025 TERM MUNI BOND ETF ETF 46435U432 5,309 199,393 SH   SOLE   199,393 0 0
ISHARES IBONDS DEC 2023 TERM MUNI BOND ETF ETF 46435G318 5,350 209,843 SH   SOLE   209,843 0 0
ISHARES IBONDS DEC 2024 TERM MUNI BOND ETF ETF 46435U697 5,490 211,166 SH   SOLE   211,166 0 0
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 6,570 27,901 SH   SOLE   27,901 0 0
VANGUARD SMALL CAP ETF ETF 922908751 8,001 45,437 SH   SOLE   45,437 0 0
VANGUARD SMALL CAP GROWTH ETF ETF 922908595 8,324 42,250 SH   SOLE   42,250 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 9,170 220,174 SH   SOLE   220,174 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611 9,709 64,805 SH   SOLE   64,805 0 0
ISHARES S&P 500 INDEX ETF 464287200 9,887 26,079 SH   SOLE   26,078 0 0
VANGUARD MID CAP ETF 922908629 16,333 82,923 SH   SOLE   82,923 0 0
VANGUARD MID CAP GROWTH ETF ETF 922908538 17,211 98,140 SH   SOLE   98,140 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 18,390 450,745 SH   SOLE   450,745 0 0
VANGUARD INDEX FDS MID-CAP VALUE INDEX VIPER SHS ETF ETF 922908512 19,164 147,963 SH   SOLE   147,963 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 32,195 533,479 SH   SOLE   533,479 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 33,431 243,206 SH   SOLE   243,206 0 0