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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AGILENT TECHNOLOGIES INC COM 00846U101   228,401 1,899 SH   SOLE   1,899 0 0
ALPHABET INC CAP STK CL A 02079K305   782,626 6,539 SH   SOLE   6,539 0 0
ALPHABET INC CAP STK CL C 02079K107   474,202 3,920 SH   SOLE   3,920 0 0
ALTRIA GROUP INC COM 02209S103   436,103 9,627 SH   SOLE   9,627 0 0
APPLE INC COM 037833100   3,708,828 19,121 SH   SOLE   19,121 0 0
AUTOZONE INC COM 053332102   249,336 100 SH   SOLE   100 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,149,718 6,304 SH   SOLE   6,304 0 0
COSTCO WHSL CORP NEW COM 22160K105   531,633 987 SH   SOLE   987 0 0
EXXON MOBIL CORP COM 30231G102   917,673 8,556 SH   SOLE   8,556 0 0
GARMIN LTD SHS H2906T109   220,365 2,113 SH   SOLE   2,113 0 0
ISHARES GOLD TR ISHARES NEW 464285204   218,309 5,999 SH   SOLE   5,999 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   2,975,587 21,134 SH   SOLE   21,134 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4   2,488,992 101,094 PRN   SOLE   101,094 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9   2,847,207 121,259 PRN   SOLE   121,259 0 0
ISHARES TR EAFE SML CP ETF 464288273   2,886,617 48,942 SH   SOLE   48,942 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   2,801,469 114,907 PRN   SOLE   114,907 0 0
ISHARES TR GLOBAL REIT ETF 46434V647   1,827,540 79,564 SH   SOLE   79,564 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   2,970,287 75,082 SH   SOLE   75,082 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   4,423,943 18,230 SH   SOLE   18,230 0 0
ISHARES TR IBONDS DEC23 ETF 46434VAX8   838,975 33,174 PRN   SOLE   33,174 0 0
ISHARES TR S&P 500 VAL ETF 464287408   17,517,291 108,677 SH   SOLE   108,677 0 0
ISHARES TR IBONDS DEC2026 46435GAA0   3,553,577 151,410 PRN   SOLE   151,410 0 0
ISHARES TR U.S. REAL ES ETF 464287739   2,112,005 24,405 SH   SOLE   24,405 0 0
ISHARES TR S&P MC 400GR ETF 464287606   1,675,670 22,341 SH   SOLE   22,341 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   25,086,744 355,950 SH   SOLE   355,950 0 0
ISHARES TR EAFE GRWTH ETF 464288885   2,739,652 28,716 SH   SOLE   28,716 0 0
ISHARES TR EAFE VALUE ETF 464288877   3,365,116 68,762 SH   SOLE   68,762 0 0
ISHARES TR IBDS DEC28 ETF 46435U515   1,288,229 52,580 SH   SOLE   52,580 0 0
ISHARES TR S&P MC 400VL ETF 464287705   5,069,410 47,320 SH   SOLE   47,320 0 0
ISHARES TR U.S. ENERGY ETF 464287796   1,146,168 26,755 SH   SOLE   26,755 0 0
JPMORGAN CHASE & CO COM 46625H100   361,942 2,489 SH   SOLE   2,489 0 0
MERCK & CO INC COM 58933Y105   1,257,851 10,901 SH   SOLE   10,901 0 0
MICROSOFT CORP COM 594918104   1,082,625 3,179 SH   SOLE   3,179 0 0
MONDELEZ INTL INC CL A 609207105   211,745 2,903 SH   SOLE   2,903 0 0
PFIZER INC COM 717081103   313,485 8,547 SH   SOLE   8,547 0 0
PHILIP MORRIS INTL INC COM 718172109   951,795 9,750 SH   SOLE   9,750 0 0
TESLA INC COM 88160R101   234,733 897 SH   SOLE   897 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   235,706 833 SH   SOLE   833 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   317,680 4,490 SH   SOLE   4,490 0 0