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 2,039 21,200 SH   SOLE   0 0 21,200
APPLE INC COM 037833100 1,042 7,525 SH   SOLE   0 0 7,525
CHEVRON CORP NEW COM 166764100 455 3,164 SH   SOLE   0 0 3,164
INTUIT COM 461202103 462 1,193 SH   SOLE   0 0 1,193
ISHARES TR EAFE GRWTH ETF 464288885 5,207 71,705 SH   SOLE   0 0 71,705
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 1,836 51,258 SH   SOLE   0 0 51,258
MICROSOFT CORP COM 594918104 227 977 SH   SOLE   0 0 977
PAVMED INC COM 70387R106 9 11,021 SH   SOLE   0 0 11,021
QUALCOMM INC COM 747525103 388 3,438 SH   SOLE   0 0 3,438
TESLA INC COM 88160R101 339 1,278 SH   SOLE   0 0 1,278
UBER TECHNOLOGIES INC COM 90353T100 471 17,750 SH   SOLE   0 0 17,750
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,242 29,950 SH   SOLE   0 0 29,950
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 20,538 287,954 SH   SOLE   0 0 287,954
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 1,889 38,561 SH   SOLE   0 0 38,561
VANGUARD INDEX FDS GROWTH ETF 922908736 15,011 70,154 SH   SOLE   0 0 70,154
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 5,665 33,194 SH   SOLE   0 0 33,194
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,251 18,468 SH   SOLE   0 0 18,468
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,166 27,039 SH   SOLE   0 0 27,039
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 424 1,291 SH   SOLE   0 0 1,291
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,577 17,981 SH   SOLE   0 0 17,981
VANGUARD INDEX FDS SML CP GRW ETF 922908595 3,646 18,696 SH   SOLE   0 0 18,696
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,378 13,252 SH   SOLE   0 0 13,252
VANGUARD INDEX FDS VALUE ETF 922908744 5,897 47,716 SH   SOLE   0 0 47,716
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,868 51,309 SH   SOLE   0 0 51,309
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,564 38,425 SH   SOLE   0 0 38,425
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,556 20,936 SH   SOLE   0 0 20,936