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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
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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
INVESCO QQQ TR UNIT SER 1 46090E103   1,243,548 3,035 SH   SOLE   0 0 3,035
ISHARES TR SHORT TREAS BD 464288679   485,894 4,412 SH   SOLE   0 0 4,412
ISHARES TR 1 3 YR TREAS BD 464287457   5,033,810 61,358 SH   SOLE   0 0 61,358
ISHARES TR CORE US AGGBD ET 464287226   6,420,086 64,686 SH   SOLE   0 0 64,686
ISHARES TR 3 7 YR TREAS BD 464288661   2,425,762 20,710 SH   SOLE   0 0 20,710
ISHARES TR MBS ETF 464288588   1,787,520 19,000 SH   SOLE   0 0 19,000
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   936,353 16,602 SH   SOLE   0 0 16,602
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   233,218 6,310 SH   SOLE   0 0 6,310
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475   356,113 6,435 SH   SOLE   0 0 6,435
SPDR S&P 500 ETF TR TR UNIT 78462F103   887,622 1,860 SH   SOLE   0 0 1,860
SPDR SER TR S&P BIOTECH 78464A870   517,971 5,801 SH   SOLE   0 0 5,801
VANGUARD INDEX FDS TOTAL STK MKT 922908769   8,116,957 34,217 SH   SOLE   0 0 34,217
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,219,810 13,805 SH   SOLE   0 0 13,805
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,377,066 5,442 SH   SOLE   0 0 5,442
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,057,669 4,817 SH   SOLE   0 0 4,817
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   13,338,392 129,650 SH   SOLE   0 0 129,650
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   38,273,113 656,148 SH   SOLE   0 0 656,148
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   8,341,222 140,614 SH   SOLE   0 0 140,614
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   779,914 16,823 SH   SOLE   0 0 16,823
VANGUARD STAR FDS VG TL INTL STK F 921909768   2,450,201 42,274 SH   SOLE   0 0 42,274