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
APPLE INC COM 037833100 269 1,756 SH   SOLE   0 0 1,756
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 227 768 SH   SOLE   0 0 768
ISHARES TR TIPS BD ETF 464287176 240 2,252 SH   SOLE   0 0 2,252
ISHARES TR GRWT ALLOCAT ETF 464289867 615 13,366 SH   SOLE   0 0 13,366
ISHARES TR CORE US AGGBD ET 464287226 283 2,983 SH   SOLE   0 0 2,983
ISHARES TR ISHS 5-10YR INVT 464288638 331 6,917 SH   SOLE   0 0 6,917
ISHARES TR MODERT ALLOC ETF 464289875 495 13,296 SH   SOLE   0 0 13,296
ISHARES TR MSCI EAFE ETF 464287465 995 16,778 SH   SOLE   0 0 16,778
ISHARES TR EAFE SML CP ETF 464288273 500 9,812 SH   SOLE   0 0 9,812
ISHARES TR RUS 1000 GRW ETF 464287614 2,266 10,180 SH   SOLE   0 0 10,180
ISHARES TR RUS 1000 ETF 464287622 1,683 7,905 SH   SOLE   0 0 7,905
ISHARES TR RUS 1000 VAL ETF 464287598 2,053 13,710 SH   SOLE   0 0 13,710
ISHARES TR RUSSELL 2000 ETF 464287655 608 3,318 SH   SOLE   0 0 3,318
ISHARES TR RUS 2000 VAL ETF 464287630 545 3,748 SH   SOLE   0 0 3,748
ISHARES TR RUS MD CP GR ETF 464287481 591 6,980 SH   SOLE   0 0 6,980
ISHARES TR RUS MID CAP ETF 464287499 628 9,284 SH   SOLE   0 0 9,284
ISHARES TR RUS MDCP VAL ETF 464287473 871 8,288 SH   SOLE   0 0 8,288
ISHARES TR CORE S&P500 ETF 464287200 372 960 SH   SOLE   0 0 960
ISHARES TR ISHS 1-5YR INVS 464288646 11,325 230,838 SH   SOLE   0 0 230,838
JPMORGAN CHASE & CO COM 46625H100 877 6,965 SH   SOLE   0 0 6,965
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 832 38,404 SH   SOLE   0 0 38,404
SPDR SER TR PORTFOLIO INTRMD 78464A375 450 14,468 SH   SOLE   0 0 14,468
SPDR SER TR PORTFOLIO SHORT 78464A474 3,616 124,170 SH   SOLE   0 0 124,170
SPDR SER TR PRTFLO S&P500 VL 78464A508 3,102 80,727 SH   SOLE   0 0 80,727
SPDR SER TR S&P 400 MDCP VAL 78464A839 1,938 30,052 SH   SOLE   0 0 30,052
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3,505 128,202 SH   SOLE   0 0 128,202
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 984 32,523 SH   SOLE   0 0 32,523
SPDR S&P 500 ETF TR TR UNIT 78462F103 287 744 SH   SOLE   0 0 744
SPDR SER TR PORTFOLIO AGRGTE 78464A649 3,957 160,834 SH   SOLE   0 0 160,834
SPDR SER TR PORTFOLIO SH TSR 78468R101 3,158 109,528 SH   SOLE   0 0 109,528
SPDR SER TR PORTFOLIO S&P600 78468R853 4,273 111,897 SH   SOLE   0 0 111,897
SPDR SER TR PRTFLO S&P500 GW 78464A409 2,290 43,730 SH   SOLE   0 0 43,730
SPDR SER TR S&P 400 MDCP GRW 78464A821 983 14,889 SH   SOLE   0 0 14,889
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 320 6,543 SH   SOLE   0 0 6,543
VANGUARD INDEX FDS GROWTH ETF 922908736 6,398 28,724 SH   SOLE   0 0 28,724
VANGUARD INDEX FDS LARGE CAP ETF 922908637 204 1,157 SH   SOLE   0 0 1,157
VANGUARD INDEX FDS VALUE ETF 922908744 10,099 73,196 SH   SOLE   0 0 73,196
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 392 6,855 SH   SOLE   0 0 6,855
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,646 131,055 SH   SOLE   0 0 131,055
VANGUARD WORLD FD ESG US STK ETF 921910733 242 3,609 SH   SOLE   0 0 3,609
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 251 2,358 SH   SOLE   0 0 2,358
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 593 10,259 SH   SOLE   0 0 10,259
VANGUARD BD INDEX FDS INTERMED TERM 921937819 17,099 234,842 SH   SOLE   0 0 234,842
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 916 12,189 SH   SOLE   0 0 12,189
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 713 14,870 SH   SOLE   0 0 14,870
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 14,503 316,187 SH   SOLE   0 0 316,187
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 3,840 21,116 SH   SOLE   0 0 21,116
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 7,692 57,401 SH   SOLE   0 0 57,401
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,090 54,177 SH   SOLE   0 0 54,177
VANGUARD INDEX FDS MID CAP ETF 922908629 610 2,988 SH   SOLE   0 0 2,988
VANGUARD INDEX FDS SML CP GRW ETF 922908595 848 4,060 SH   SOLE   0 0 4,060
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 1,559 27,223 SH   SOLE   0 0 27,223
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 831 12,656 SH   SOLE   0 0 12,656
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 467 6,310 SH   SOLE   0 0 6,310
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 12,196 163,576 SH   SOLE   0 0 163,576
VANGUARD INDEX FDS SMALL CP ETF 922908751 11,889 63,294 SH   SOLE   0 0 63,294
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,448 15,241 SH   SOLE   0 0 15,241
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,059 15,058 SH   SOLE   0 0 15,058