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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   216,983 1,670 SH   SOLE   0 0 1,670
ISHARES TR CORE S&P SCP ETF 464287804   5,133,546 54,243 SH   SOLE   0 0 54,243
ISHARES TR CORE MSCI TOTAL 46432F834   9,167,005 158,379 SH   SOLE   0 0 158,379
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   9,800,452 195,501 SH   SOLE   0 0 195,501
UNITEDHEALTH GROUP INC COM 91324P102   291,599 550 SH   SOLE   0 0 550
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   10,675,430 148,600 SH   SOLE   0 0 148,600
VANGUARD WORLD FDS INF TECH ETF 92204A702   3,684,017 11,534 SH   SOLE   0 0 11,534
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   17,531,670 303,211 SH   SOLE   0 0 303,211
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,625,542 68,205 SH   SOLE   0 0 68,205
VANGUARD INDEX FDS TOTAL STK MKT 922908769   30,073,466 157,296 SH   SOLE   0 0 157,296