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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
Estimated average burden
hours per response: 23.8
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   264,832 1,561 SH   SOLE   0 0 1,561
ISHARES TR TIPS BD ETF 464287176   249,510 2,265 SH   SOLE   0 0 2,265
ISHARES TR GRWT ALLOCAT ETF 464289867   707,718 14,045 SH   SOLE   0 0 14,045
ISHARES TR CORE US AGGBD ET 464287226   302,492 3,026 SH   SOLE   0 0 3,026
ISHARES TR ISHS 5-10YR INVT 464288638   362,441 7,038 SH   SOLE   0 0 7,038
ISHARES TR MODERT ALLOC ETF 464289875   563,387 14,074 SH   SOLE   0 0 14,074
ISHARES TR MSCI EAFE ETF 464287465   1,219,311 16,562 SH   SOLE   0 0 16,562
ISHARES TR EAFE SML CP ETF 464288273   596,962 9,812 SH   SOLE   0 0 9,812
ISHARES TR RUS 1000 GRW ETF 464287614   2,247,167 9,104 SH   SOLE   0 0 9,104
ISHARES TR RUS 1000 ETF 464287622   1,817,132 7,970 SH   SOLE   0 0 7,970
ISHARES TR RUS 1000 VAL ETF 464287598   2,072,091 13,400 SH   SOLE   0 0 13,400
ISHARES TR RUSSELL 2000 ETF 464287655   548,200 3,129 SH   SOLE   0 0 3,129
ISHARES TR RUS 2000 VAL ETF 464287630   506,601 3,793 SH   SOLE   0 0 3,793
ISHARES TR RUS MD CP GR ETF 464287481   601,012 6,697 SH   SOLE   0 0 6,697
ISHARES TR RUS MID CAP ETF 464287499   633,908 9,118 SH   SOLE   0 0 9,118
ISHARES TR RUS MDCP VAL ETF 464287473   861,161 8,107 SH   SOLE   0 0 8,107
ISHARES TR CORE S&P500 ETF 464287200   391,524 937 SH   SOLE   0 0 937
ISHARES TR ISHS 1-5YR INVS 464288646   11,206,084 220,984 SH   SOLE   0 0 220,984
ISHARES TR IBOXX INV CP ETF 464287242   210,408 1,914 SH   SOLE   0 0 1,914
JPMORGAN CHASE & CO COM 46625H100   856,345 6,195 SH   SOLE   0 0 6,195
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   964,981 39,646 SH   SOLE   0 0 39,646
SPDR SER TR PORTFOLIO INTRMD 78464A375   479,478 14,703 SH   SOLE   0 0 14,703
SPDR SER TR PORTFOLIO SHORT 78464A474   3,705,159 124,879 SH   SOLE   0 0 124,879
SPDR SER TR PRTFLO S&P500 VL 78464A508   3,288,211 79,368 SH   SOLE   0 0 79,368
SPDR SER TR S&P 400 MDCP VAL 78464A839   1,895,053 28,981 SH   SOLE   0 0 28,981
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   4,170,102 126,635 SH   SOLE   0 0 126,635
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,112,297 32,600 SH   SOLE   0 0 32,600
SPDR S&P 500 ETF TR TR UNIT 78462F103   240,226 578 SH   SOLE   0 0 578
SPDR SER TR PORTFOLIO AGRGTE 78464A649   4,571,121 176,764 SH   SOLE   0 0 176,764
SPDR SER TR PORTFOLIO SH TSR 78468R101   3,164,441 108,334 SH   SOLE   0 0 108,334
SPDR SER TR PORTFOLIO S&P600 78468R853   4,098,065 111,573 SH   SOLE   0 0 111,573
SPDR SER TR PRTFLO S&P500 GW 78464A409   2,437,065 43,403 SH   SOLE   0 0 43,403
SPDR SER TR S&P 400 MDCP GRW 78464A821   1,021,020 14,995 SH   SOLE   0 0 14,995
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   208,425 4,229 SH   SOLE   0 0 4,229
VANGUARD INDEX FDS GROWTH ETF 922908736   9,378,524 37,212 SH   SOLE   0 0 37,212
VANGUARD INDEX FDS LARGE CAP ETF 922908637   221,214 1,167 SH   SOLE   0 0 1,167
VANGUARD INDEX FDS VALUE ETF 922908744   12,330,310 87,723 SH   SOLE   0 0 87,723
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   688,827 11,080 SH   SOLE   0 0 11,080
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,159,577 153,071 SH   SOLE   0 0 153,071
VANGUARD WORLD FD ESG US STK ETF 921910733   263,493 3,636 SH   SOLE   0 0 3,636
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   227,510 2,050 SH   SOLE   0 0 2,050
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   256,047 2,397 SH   SOLE   0 0 2,397
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   709,000 11,764 SH   SOLE   0 0 11,764
VANGUARD BD INDEX FDS INTERMED TERM 921937819   21,240,960 275,356 SH   SOLE   0 0 275,356
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,110,423 13,786 SH   SOLE   0 0 13,786
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,159,573 23,689 SH   SOLE   0 0 23,689
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   20,018,947 367,455 SH   SOLE   0 0 367,455
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   4,827,961 25,334 SH   SOLE   0 0 25,334
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   8,509,998 63,042 SH   SOLE   0 0 63,042
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,615,986 56,428 SH   SOLE   0 0 56,428
VANGUARD INDEX FDS MID CAP ETF 922908629   631,192 3,016 SH   SOLE   0 0 3,016
VANGUARD INDEX FDS SML CP GRW ETF 922908595   880,405 4,120 SH   SOLE   0 0 4,120
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   1,623,713 25,566 SH   SOLE   0 0 25,566
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   868,917 12,801 SH   SOLE   0 0 12,801
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   592,756 7,755 SH   SOLE   0 0 7,755
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   16,122,657 210,369 SH   SOLE   0 0 210,369
VANGUARD INDEX FDS SMALL CP ETF 922908751   13,955,260 74,504 SH   SOLE   0 0 74,504
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,435,701 15,490 SH   SOLE   0 0 15,490
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,094,563 14,775 SH   SOLE   0 0 14,775