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
Estimated average burden
hours per response: 23.8
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
3M CO Com COM 88579Y101 330 2,993 SH   SOLE None 0 0 2,993
APPLE COMPUTER INC. COM 037833100 795 5,759 SH   SOLE None 0 0 5,759
ARK INNOVATION ETF INNOVATION ETF 00214Q104 575 15,242 SH   SOLE None 0 0 15,242
Fs Kkr Cap Corp Com COM 302635206 268 15,828 SH   SOLE None 0 0 15,828
ISHARES TR EDGE MSCI USA SIZE FACTOR ETF MSCI USA SZE FT 46432F370 17,826 171,012 SH   SOLE None 0 0 171,012
MICROSOFT CORP COM 594918104 617 2,653 SH   SOLE None 0 0 2,653
PROGRESSIVE CORP COM 743315103 438 3,770 SH   SOLE None 0 0 3,770
SPDR SP 500 ETF TR UNIT 78462F103 253 711 SH   SOLE None 0 0 711
VANGUARD LARGE CAP ETF LARGE CAP ETF 922908637 18,841 115,199 SH   SOLE None 0 0 115,199
VANGUARD MIDCAP ETF MID CAP ETF 922908629 5,859 31,169 SH   SOLE None 0 0 31,169
VANGUARD SMALLCAP ETF SMALL CP ETF 922908751 3,349 19,596 SH   SOLE None 0 0 19,596
VICTORY PORTFOLIOS II VICTORYSHSARES US EQ INCOME VCSHS US EQ INCM 92647N824 17,643 297,229 SH   SOLE None 0 0 297,229