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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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMGEN INC COM 031162100   273,671 1,042 SH   SOLE   0 0 1,042
APPLE INC COM 037833100   414,347 3,189 SH   SOLE   0 0 3,189
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,090,417 3,530 SH   SOLE   0 0 3,530
CORNING INC COM 219350105   1,093,487 34,236 SH   SOLE   0 0 34,236
EXXON MOBIL CORP COM 30231G102   340,717 3,089 SH   SOLE   0 0 3,089
ISHARES TR CORE S&P MCP ETF 464287507   567,474 2,346 SH   SOLE   0 0 2,346
ISHARES TR CORE S&P500 ETF 464287200   592,452 1,542 SH   SOLE   0 0 1,542
ISHARES TR ISHS 5-10YR INVT 464288638   13,034,052 263,261 SH   SOLE   0 0 263,261
JOHNSON & JOHNSON COM 478160104   643,713 3,644 SH   SOLE   0 0 3,644
MICROSOFT CORP COM 594918104   272,915 1,138 SH   SOLE   0 0 1,138
NEXTERA ENERGY INC COM 65339F101   357,223 4,273 SH   SOLE   0 0 4,273
NORFOLK SOUTHN CORP COM 655844108   388,112 1,575 SH   SOLE   0 0 1,575
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   6,098,696 189,342 SH   SOLE   0 0 189,342
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,689,024 41,694 SH   SOLE   0 0 41,694
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,513,262 106,179 SH   SOLE   0 0 106,179
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   237,872 7,217 SH   SOLE   0 0 7,217
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   800,947 26,977 SH   SOLE   0 0 26,977
SPDR SER TR PORTFOLIO INTRMD 78464A375   1,894,458 59,518 SH   SOLE   0 0 59,518
SPDR SER TR PORTFOLIO SHORT 78464A474   3,355,431 114,208 SH   SOLE   0 0 114,208
SPDR SER TR PORTFOLI S&P1500 78464A805   363,613 7,689 SH   SOLE   0 0 7,689
THERMO FISHER SCIENTIFIC INC COM 883556102   227,986 414 SH   SOLE   0 0 414
UNITEDHEALTH GROUP INC COM 91324P102   711,502 1,342 SH   SOLE   0 0 1,342
VANGUARD INDEX FDS MID CAP ETF 922908629   23,101,105 113,346 SH   SOLE   0 0 113,346
VANGUARD INDEX FDS SMALL CP ETF 922908751   17,228,037 93,865 SH   SOLE   0 0 93,865
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   38,334,750 109,110 SH   SOLE   0 0 109,110
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,023,937 10,586 SH   SOLE   0 0 10,586
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   29,877,306 397,357 SH   SOLE   0 0 397,357