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
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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
Vanguard Index Funds Value ETF 922908744 20,794 157,680 SH   SOLE N/A 0 0 157,680
Vanguard Index Funds Growth ETF 922908736 15,537 69,710 SH   SOLE N/A 0 0 69,710
Vanguard Index Funds FTSE DEVELOPED MARKETS ETF 921943858 5,953 145,928 SH   SOLE N/A 0 0 145,928
Vanguard Index Funds TOTAL STOCK MARKET ETF 922908769 3,706 19,652 SH   SOLE N/A 0 0 19,652
Schwab Strategic TR US LARGE CAP VALUE ETF 808524409 3,256 52,173 SH   SOLE N/A 0 0 52,173
Schwab Strategic TR US Mid Cap ETF 808524508 2,750 43,840 SH   SOLE N/A 0 0 43,840
iShares CORE MSCI EAFE ETF 46432F842 2,534 43,074 SH   SOLE N/A 0 0 43,074
Schwab Strategic TR US LARGE CAP GROWTH ETF 808524300 2,457 42,373 SH   SOLE N/A 0 0 42,373
Schwab Strategic TR US SMALL CAP ETF 808524607 2,304 59,097 SH   SOLE N/A 0 0 59,097
Proshares VIX MID-TERM FUTURES ETF 74347W338 2,080 58,797 SH   SOLE N/A 0 0 58,797
Vanguard Index Funds SMALL CAP VALUE ETF 922908611 1,751 11,688 SH   SOLE N/A 0 0 11,688
Vanguard Index Funds REAL ESTATE ETF 922908553 1,504 16,513 SH   SOLE N/A 0 0 16,513
Vanguard Index Funds MID CAP ETF 922908629 1,363 6,920 SH   SOLE N/A 0 0 6,920
SELECT SECTOR SPDR TR S&P 500 ETF 78464A854 1,310 29,551 SH   SOLE N/A 0 0 29,551
Vanguard Index Funds SMALL CAP GROWTH ETF 922908595 1,281 6,503 SH   SOLE N/A 0 0 6,503
SELECT SECTOR SPDR TR S&P 500 GROWTH ETF 78464A409 1,198 22,933 SH   SOLE N/A 0 0 22,933
Vanguard Index Funds DIVIDEND APPRECIATION ETF 921908844 1,091 7,604 SH   SOLE N/A 0 0 7,604
SELECT SECTOR SPDR TR INDEX SHARES EMERG MARKT ETF 78463X509 1,020 29,342 SH   SOLE N/A 0 0 29,342
Vanguard Index Funds MID CAP VALUE ETF 922908512 911 7,037 SH   SOLE N/A 0 0 7,037
Vanguard Index Funds SMALL CAP ETF 922908751 865 4,917 SH   SOLE N/A 0 0 4,917
Vanguard Index Funds MID CAP GROWTH ETF 922908538 821 4,683 SH   SOLE N/A 0 0 4,683
Schwab Strategic TR US LARGE CAP ETF 808524201 709 15,877 SH   SOLE N/A 0 0 15,877
Warner Brothers Discovery COM 934423104 701 52,264 SH   SOLE N/A 0 0 52,264
SELECT SECTOR SPDR TR S&P 500 VALUE ETF 78464A508 679 18,452 SH   SOLE N/A 0 0 18,452
Schwab Strategic TR INTERNATIONAL EQUITY ETF 808524805 661 21,038 SH   SOLE N/A 0 0 21,038
iShares 1-3 YEAR TREASURY BOND ETF 464287457 631 7,625 SH   SOLE N/A 0 0 7,625
iShares IBONDS TERM TREASURY ETF 46436E874 618 25,330 SH   SOLE N/A 0 0 25,330
Apple Inc COM 037833100 466 3,412 SH   SOLE N/A 0 0 3,412
Berkshire Hathaway Inc Class B 084670702 445 1,633 SH   SOLE N/A 0 0 1,633
Proctor & Gamble COM 742718109 432 3,007 SH   SOLE N/A 0 0 3,007
iShares IBONDS TERM TREASURY ETF 46436E866 408 17,035 SH   SOLE N/A 0 0 17,035
Pacer US CASH COWS 100 ETF 69374H881 389 9,041 SH   SOLE N/A 0 0 9,041
Vanguard Index Funds RUSSELL 1000 GROWTH ETF 92206C680 388 6,901 SH   SOLE N/A 0 0 6,901
Vanguard Index Funds S&P 500 ETF 922908363 382 1,103 SH   SOLE N/A 0 0 1,103
SELECT SECTOR SPDR TR TECHNOLOGY SELECT SECTOR SPDR ETF 81369Y803 321 2,528 SH   SOLE N/A 0 0 2,528
Tesla Inc COM 88160R101 307 457 SH   SOLE N/A 0 0 457
Vanguard Index Funds FTSE ALL WORLD EX US ETF 922042775 284 5,690 SH   SOLE N/A 0 0 5,690
SELECT SECTOR SPDR TR S&P 500 ETF 78462F103 284 753 SH   SOLE N/A 0 0 753
Vanguard Index Funds TOTAL INTERNATIONAL STOCK ETF 921909768 253 4,906 SH   SOLE N/A 0 0 4,906
iShares IBONDS TERM TREASURY ETF 46436E882 245 9,865 SH   SOLE N/A 0 0 9,865
Fidelity MSCI INFOR TECH INDX ETF 316092808 235 2,440 SH   SOLE N/A 0 0 2,440
iShares CORE S&P 500 ETF 464287200 227 599 SH   SOLE N/A 0 0 599
Guggenheim Strategic Opportunities ETF 40167F101 226 14,088 SH   SOLE N/A 0 0 14,088