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
AMAZON COM INC COM COM 023135106 1,130 339 SH   SOLE NONE 0 0 339
INVESCO QQQ TRUST UNIT SER 1 46090E103 14,249 35,817 SH   SOLE NONE 0 0 35,817
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 333 1,380 SH   SOLE NONE 0 0 1,380
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 459 11,814 SH   SOLE NONE 0 0 11,814
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND SHRT TRM CORP BD 92206C409 1,836 22,605 SH   SOLE NONE 0 0 22,605
SPDR S&P MIDCAP 400 ETF UTSER1 S&PDCRP 78467Y107 2,125 4,104 SH   SOLE NONE 0 0 4,104
WESTERN ASSET SHORT DURATION INCOME ETF WESTN AST SHRT 52468L786 228 8,837 SH   SOLE NONE 0 0 8,837
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357 5,118 31,448 SH   SOLE NONE 0 0 31,448
VANGUARD FTSE PACIFIC ETF FTSE PACIFIC ETF 922042866 539 6,920 SH   SOLE NONE 0 0 6,920
ISHARES MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL 46429B697 12,529 154,881 SH   SOLE NONE 0 0 154,881
TOAST INC CL A CL A 888787108 520 15,000 SH   SOLE NONE 0 0 15,000
VANECK MORNINGSTAR WIDE MOAT ETF MRNGSTR WDE MOAT 92189F643 11,723 154,037 SH   SOLE NONE 0 0 154,037
INVESCO S&P 500 TOP 50 ETF S&P 500 TOP 50 46137V233 798 2,164 SH   SOLE NONE 0 0 2,164
ISHARES GLOBAL CONSUMER STAPLES ETF GLB CNSM STP ETF 464288737 418 6,463 SH   SOLE NONE 0 0 6,463
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 6,846 114,375 SH   SOLE NONE 0 0 114,375
VANGUARD TOTAL BOND MARKET INDEX FUND TOTAL BND MRKT 921937835 8,177 96,489 SH   SOLE NONE 0 0 96,489
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND INTERMED TERM 921937819 11,142 127,173 SH   SOLE NONE 0 0 127,172
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 7,319 84,128 SH   SOLE NONE 0 0 84,128
BLACKROCK SHORT MATURITY BOND ETF BLACKROCK ST MAT 46431W507 1,184 23,710 SH   SOLE NONE 0 0 23,710
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 2,189 4,591 SH   SOLE NONE 0 0 4,591
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF PORTFOLI S&P1500 78464A805 223 3,823 SH   SOLE NONE 0 0 3,823
VANGUARD HIGH DIVIDEND YIELD ETF HIGH DIV YLD 921946406 9,984 89,057 SH   SOLE NONE 0 0 89,057
VANGUARD DIVIDEND APPRECIATION INDEX FUND DIV APP ETF 921908844 1,529 8,906 SH   SOLE NONE 0 0 8,906
ISHARES S&P MID-CAP 400 GROWTH ETF S&P MC 400GR ETF 464287606 2,748 32,231 SH   SOLE NONE 0 0 32,231
VANGUARD SHORT-TERM BOND INDEX FUND SHORT TRM BOND 921937827 9,643 119,311 SH   SOLE NONE 0 0 119,311
EXXON MOBIL CORP COM COM 30231G102 385 6,302 SH   SOLE NONE 0 0 6,302