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
ALPHABET INC CAP STK CL C 02079K107 2,958 1,059 SH   SOLE   0 0 1,059
APPLE INC COM 037833100 1,309 7,498 SH   SOLE   536 0 6,962
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 260 736 SH   SOLE   0 0 736
CHEVRON CORP NEW COM 166764100 734 4,506 SH   SOLE   0 0 4,506
INTUIT COM 461202103 436 906 SH   SOLE   0 0 906
ISHARES TR EAFE GRWTH ETF 464288885 7,620 79,156 SH   SOLE   10,344 0 68,812
ISHARES TR RUSSELL 2000 ETF 464287655 223 1,087 SH   SOLE   362 0 725
ISHARES TR S&P 500 GRWT ETF 464287309 217 2,840 SH   SOLE   0 0 2,840
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 2,741 68,443 SH   SOLE   3,472 0 64,971
PAVMED INC COM 70387R106 15 11,021 SH   SOLE   0 0 11,021
QUALCOMM INC COM 747525103 519 3,396 SH   SOLE   0 0 3,396
SPDR S&P 500 ETF TR TR UNIT 78462F103 889 1,969 SH   SOLE   0 0 1,969
SPLUNK INC COM 848637104 204 1,375 SH   SOLE   1,375 0 0
TESLA INC COM 88160R101 417 387 SH   SOLE   0 0 387
TWILIO INC CL A 90138F102 298 1,809 SH   SOLE   0 0 1,809
UBER TECHNOLOGIES INC COM 90353T100 633 17,750 SH   SOLE   5,917 0 11,833
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,385 30,618 SH   SOLE   2,551 0 28,067
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 25,167 316,404 SH   SOLE   60,267 0 256,137
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 1,492 30,200 SH   SOLE   3,356 0 26,844
VANGUARD INDEX FDS GROWTH ETF 922908736 26,611 92,526 SH   SOLE   11,749 0 80,777
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 8,538 38,321 SH   SOLE   4,998 0 33,323
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,875 19,207 SH   SOLE   2,268 0 16,939
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,594 33,161 SH   SOLE   5,194 0 27,967
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 536 1,291 SH   SOLE   215 0 1,076
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,341 18,987 SH   SOLE   1,603 0 17,384
VANGUARD INDEX FDS SML CP GRW ETF 922908595 5,285 21,300 SH   SOLE   2,989 0 18,311
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,946 12,938 SH   SOLE   1,764 0 11,174
VANGUARD INDEX FDS VALUE ETF 922908744 8,928 60,416 SH   SOLE   6,755 0 53,661
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,594 56,235 SH   SOLE   7,712 0 48,523
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 4,596 37,098 SH   SOLE   4,390 0 32,708
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,683 21,551 SH   SOLE   2,155 0 19,396
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 227 4,730 SH   SOLE   2,183 0 2,547