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

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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
APPLE INC COM 037833100   386,580 2,797 SH   SOLE   2,797 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,905,455 7,136 SH   SOLE   7,136 0 0
COCA COLA CO COM 191216100   1,175,110 20,977 SH   SOLE   20,977 0 0
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   5,145,174 128,149 SH   SOLE   128,149 0 0
HOME DEPOT INC COM 437076102   202,373 733 SH   SOLE   733 0 0
HUMANA INC COM 444859102   291,572 601 SH   SOLE   601 0 0
INTEL CORP COM 458140100   741,253 28,764 SH   SOLE   28,764 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   1,432,107 5,358 SH   SOLE   5,358 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   16,762,209 174,407 SH   SOLE   174,407 0 0
ISHARES TR SHORT TREAS BD 464288679   2,204,609 20,042 SH   SOLE   20,042 0 0
MICROSOFT CORP COM 594918104   2,247,012 9,648 SH   SOLE   9,648 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   501,683 11,072 SH   SOLE   11,072 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   11,054,985 229,071 SH   SOLE   229,071 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   18,983,185 366,471 SH   SOLE   366,471 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   18,308,119 275,600 SH   SOLE   275,600 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   669,203 15,802 SH   SOLE   15,802 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375   2,670,095 85,252 SH   SOLE   85,252 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   18,703,756 640,101 SH   SOLE   640,101 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   3,258,206 71,187 SH   SOLE   71,187 0 0
WALMART INC COM 931142103   383,522 2,957 SH   SOLE   2,957 0 0