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
APPLE INC COM 037833100   484,629 2,826 SH   SOLE   2,826 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,790,991 6,637 SH   SOLE   6,637 0 0
CHEVRON CORP NEW COM 166764100   276,011 1,750 SH   SOLE   1,750 0 0
COCA COLA CO COM 191216100   1,507,802 24,645 SH   SOLE   24,645 0 0
COSTCO WHSL CORP NEW COM 22160K105   206,601 282 SH   SOLE   282 0 0
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   1,733,016 36,423 SH   SOLE   36,423 0 0
HOME DEPOT INC COM 437076102   203,394 530 SH   SOLE   530 0 0
INTEL CORP COM 458140100   1,490,181 33,737 SH   SOLE   33,737 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   2,053,405 4,625 SH   SOLE   4,625 0 0
ISHARES TR CORE US AGGBD ET 464287226   21,320,060 217,685 SH   SOLE   217,685 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   10,219,667 102,783 SH   SOLE   102,783 0 0
ISHARES TR CORE S&P500 ETF 464287200   265,262 505 SH   SOLE   505 0 0
MICROSOFT CORP COM 594918104   3,540,158 8,415 SH   SOLE   8,415 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   883,406 14,235 SH   SOLE   14,235 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   471,903 10,259 SH   SOLE   10,259 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   11,979,068 229,660 SH   SOLE   229,660 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   26,146,666 324,280 SH   SOLE   324,280 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   310,804 594 SH   SOLE   594 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375   3,422,634 104,700 SH   SOLE   104,700 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   22,867,944 768,154 SH   SOLE   768,154 0 0
UNITED PARCEL SERVICE INC CL B 911312106   348,953 2,216 SH   SOLE   2,216 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   267,019 555 SH   SOLE   555 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   240,020 1,050 SH   SOLE   1,050 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   2,977,292 50,850 SH   SOLE   50,850 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   4,710,625 78,120 SH   SOLE   78,120 0 0
VERISK ANALYTICS INC COM 92345Y106   471,460 2,000 SH   SOLE   2,000 0 0
WALMART INC COM 931142103   530,558 8,818 SH   SOLE   8,818 0 0