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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL C 02079k107 393 157 SH   SOLE   0 0 157
AMAZON COM INC COM 023135106 447 130 SH   SOLE   0 0 130
Apple COM 037833100 1,113 8,124 SH   SOLE   0 0 8,124
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 275 989 SH   SOLE   0 0 989
Eli Lilly COM 532457108 2,909 12,674 SH   SOLE   0 0 12,674
EXXON MOBIL CORP COM 30231G102 224 3,544 SH   SOLE   0 0 3,544
JPMorgan Chase COM 46625H100 491 3,154 SH   SOLE   0 0 3,154
JOHNSON & JOHNSON COM 478160104 253 1,535 SH   SOLE   0 0 1,535
Merck COM 58933Y105 760 9,773 SH   SOLE   0 0 9,773
MOODYS CORP COM 615369105 252 696 SH   SOLE   0 0 696
Quest Diagnostics COM 74834L100 2,186 16,564 SH   SOLE   0 0 16,564
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 9,853 328,333 SH   SOLE   0 0 328,333
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 1,037 28,260 SH   SOLE   0 0 28,260
SPDR S&P 500 ETF TR TR UNIT 78462F103 26,922 62,894 SH   SOLE   0 0 62,894
VANGUARD INDEX FDS DIV APP ETF 921908844 23,181 149,759 SH   SOLE   0 0 149,759
VANGUARD INDEX FDS HEALTH CAR ETF 92204a504 26,780 108,364 SH   SOLE   0 0 108,364
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 18,576 226,097 SH   SOLE   0 0 226,097
VANGUARD INDEX FDS SML CP GRW ETF 922908595 266 918 SH   SOLE   0 0 918
VANGUARD INDEX FDS TOTAL STK MKT 922908769 10,205 45,799 SH   SOLE   0 0 45,799
VANGUARD INDEX FDS VALUE ETF 922908744 1,445 10,514 SH   SOLE   0 0 10,514
ISHARES TR 0-5YR HI YL CP 46434V407 252 5,471 SH   SOLE   0 0 5,471
ISHARES TR 0-5 YR TIPS ETF 46429B747 13,302 125,121 SH   SOLE   0 0 125,121
ISHARES TR CORE S&P500 ETF 464287200 1,773 4,124 SH   SOLE   0 0 4,124