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
AMAZON COM INC COM 023135106 251 2,239 SH   SOLE   0 0 2,239
AON PLC SHS CL A G0403H108 486 1,760 SH   SOLE   0 0 1,760
APPLE INC COM 037833100 1,171 8,423 SH   SOLE   0 0 8,423
BOEING CO COM 097023105 322 2,451 SH   SOLE   0 0 2,451
EDISON INTL COM 281020107 244 4,248 SH   SOLE   0 0 4,248
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 20,677 207,271 SH   SOLE   0 0 207,271
ISHARES INC CORE MSCI EMKT 46434G103 2,962 69,362 SH   SOLE   0 0 69,362
ISHARES TR 0-3 MNTH TREASRY 46436E718 30,511 304,561 SH   SOLE   0 0 304,561
ISHARES TR MSCI INTL QUALTY 46434V456 3,068 110,283 SH   SOLE   0 0 110,283
ISHARES TR SHORT TREAS BD 464288679 27,784 252,812 SH   SOLE   0 0 252,812
JOHNSON & JOHNSON COM 478160104 1,360 8,358 SH   SOLE   0 0 8,358
MICROSOFT CORP COM 594918104 257 1,141 SH   SOLE   0 0 1,141
PGIM ETF TR PGIM ULTRA SH BD 69344A107 21,563 440,057 SH   SOLE   0 0 440,057
PHILIP MORRIS INTL INC COM 718172109 308 3,600 SH   SOLE   0 0 3,600
REALTY INCOME CORP COM 756109104 390 6,714 SH   SOLE   0 0 6,714
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 438 8,953 SH   SOLE   0 0 8,953
VANGUARD INDEX FDS GROWTH ETF 922908736 15,798 74,928 SH   SOLE   0 0 74,928
VANGUARD INDEX FDS MID CAP ETF 922908629 5,083 26,866 SH   SOLE   0 0 26,866
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 29,038 88,352 SH   SOLE   0 0 88,352
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,473 31,366 SH   SOLE   0 0 31,366
VANGUARD INDEX FDS TOTAL STK MKT 922908769 304 1,693 SH   SOLE   0 0 1,693
VANGUARD INDEX FDS VALUE ETF 922908744 23,537 188,011 SH   SOLE   0 0 188,011
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 1,187 7,264 SH   SOLE   0 0 7,264
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 218 3,614 SH   SOLE   0 0 3,614
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 625 4,597 SH   SOLE   0 0 4,597
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 1,014 11,132 SH   SOLE   0 0 11,132
VANGUARD WORLD FD MEGA GRWTH IND 921910816 762 4,445 SH   SOLE   0 0 4,445