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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AON PLC SHS CL A G0403H108   528,246 1,760 SH   SOLE   0 0 1,760
APPLE INC COM 037833100   1,107,393 8,523 SH   SOLE   0 0 8,523
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   226,115 732 SH   SOLE   0 0 732
BOEING CO COM 097023105   485,940 2,551 SH   SOLE   0 0 2,551
EDISON INTL COM 281020107   338,777 5,325 SH   SOLE   0 0 5,325
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   28,441,367 285,241 SH   SOLE   0 0 285,241
ISHARES INC CORE MSCI EMKT 46434G103   2,695,514 57,720 SH   SOLE   0 0 57,720
ISHARES TR 0-3 MNTH TREASRY 46436E718   45,459,660 453,961 SH   SOLE   0 0 453,961
ISHARES TR MSCI INTL QUALTY 46434V456   2,765,275 85,374 SH   SOLE   0 0 85,374
ISHARES TR SHORT TREAS BD 464288679   42,383,198 385,582 SH   SOLE   0 0 385,582
JOHNSON & JOHNSON COM 478160104   1,476,441 8,358 SH   SOLE   0 0 8,358
MICROSOFT CORP COM 594918104   259,172 1,081 SH   SOLE   0 0 1,081
PGIM ETF TR PGIM ULTRA SH BD 69344A107   27,713,100 564,422 SH   SOLE   0 0 564,422
PHILIP MORRIS INTL INC COM 718172109   364,356 3,600 SH   SOLE   0 0 3,600
REALTY INCOME CORP COM 756109104   425,869 6,714 SH   SOLE   0 0 6,714
VANGUARD INDEX FDS GROWTH ETF 922908736   18,497,490 86,798 SH   SOLE   0 0 86,798
VANGUARD INDEX FDS MID CAP ETF 922908629   5,638,453 27,665 SH   SOLE   0 0 27,665
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   32,293,561 91,915 SH   SOLE   0 0 91,915
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,767,448 31,423 SH   SOLE   0 0 31,423
VANGUARD INDEX FDS TOTAL STK MKT 922908769   320,052 1,674 SH   SOLE   0 0 1,674
VANGUARD INDEX FDS VALUE ETF 922908744   27,021,035 192,499 SH   SOLE   0 0 192,499
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   668,113 3,834 SH   SOLE   0 0 3,834
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   681,271 4,486 SH   SOLE   0 0 4,486
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   897,366 8,725 SH   SOLE   0 0 8,725