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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 292 1,670 SH   SOLE   0 0 1,670
ISHARES TR CORE S&P SCP ETF 464287804 5,161 47,842 SH   SOLE   0 0 47,842
ISHARES TR FLTG RATE NT ETF 46429B655 19,548 386,943 SH   SOLE   0 0 386,943
ISHARES TR CORE MSCI TOTAL 46432F834 8,810 132,326 SH   SOLE   0 0 132,326
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 18,031 358,685 SH   SOLE   0 0 358,685
MICROSOFT CORP COM 594918104 219 709 SH   SOLE   0 0 709
UNITEDHEALTH GROUP INC COM 91324P102 280 550 SH   SOLE   0 0 550
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 280 3,523 SH   SOLE   0 0 3,523
VANGUARD WORLD FDS INF TECH ETF 92204A702 4,061 9,752 SH   SOLE   0 0 9,752
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 6,445 59,471 SH   SOLE   0 0 59,471
VANGUARD INDEX FDS TOTAL STK MKT 922908769 31,954 140,352 SH   SOLE   0 0 140,352