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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
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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
APPLE INC COM 037833100 297 1,670 SH   SOLE   0 0 1,670
ISHARES TR TIPS BD ETF 464287176 1,631 12,624 SH   SOLE   0 0 12,624
ISHARES TR CORE S&P SCP ETF 464287804 5,295 46,239 SH   SOLE   0 0 46,239
ISHARES TR CORE MSCI TOTAL 46432F834 8,794 123,960 SH   SOLE   0 0 123,960
ISHARES TR BLACKROCK ULTRA 46434V878 5,439 107,931 SH   SOLE   0 0 107,931
MICROSOFT CORP COM 594918104 238 709 SH   SOLE   0 0 709
UNITEDHEALTH GROUP INC COM 91324P102 276 550 SH   SOLE   0 0 550
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 23,783 280,626 SH   SOLE   0 0 280,626
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 4,547 40,559 SH   SOLE   0 0 40,559
VANGUARD WORLD FDS INF TECH ETF 92204A702 4,218 9,206 SH   SOLE   0 0 9,206
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 9,300 114,442 SH   SOLE   0 0 114,442
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 6,311 54,401 SH   SOLE   0 0 54,401
VANGUARD INDEX FDS TOTAL STK MKT 922908769 27,589 114,270 SH   SOLE   0 0 114,270