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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM 023135106 423 130 SH   SOLE   0 0 130
Apple COM 037833100 1,264 9,524 SH   SOLE   0 0 9,524
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 230 990 SH   SOLE   0 0 990
ISHARES TR CORE S&P500 ETF 464287200 1,548 4,124 SH   SOLE   0 0 4,124
ISHARES TR RUS 1000 GRW ETF 464287614 329 1,364 SH   SOLE   0 0 1,364
ISHARES TR SHRT NAT MUN ETF 464288158 273 2,523 SH   SOLE   0 0 2,523
ISHARES TR CORE LT USDB ETF 464289479 490 6,416 SH   SOLE   0 0 6,416
Eli Lilly COM 532457108 2,140 12,674 SH   SOLE   0 0 12,674
MOODYS CORP COM 615369105 306 1,053 SH   SOLE   0 0 1,053
VANGUARD INDEX FDS DIV APP ETF 921908844 20,755 147,021 SH   SOLE   0 0 147,021
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 362 4,367 SH   SOLE   0 0 4,367
VANGUARD INDEX FDS SML CP GRW ETF 922908595 241 902 SH   SOLE   0 0 902
VANGUARD INDEX FDS TOTAL STK MKT 922908769 7,798 40,065 SH   SOLE   0 0 40,065
ALPHABET INC CAP STK CL C 02079k107 275 157 SH   SOLE   0 0 157
ISHARES TR MSCI MIN VOL ETF 46429B697 15,235 224,447 SH   SOLE   0 0 224,447
ISHARES TR 0-5 YR TIPS ETF 46429B747 10,959 104,941 SH   SOLE   0 0 104,941
ISHARES TR 0-5YR HI YL CP 46434V407 257 5,652 SH   SOLE   0 0 5,652
JPMorgan Chase COM 46625H100 401 3,154 SH   SOLE   0 0 3,154
JOHNSON & JOHNSON COM 478160104 210 1,335 SH   SOLE   0 0 1,335
Merck COM 58933Y105 799 9,773 SH   SOLE   0 0 9,773
Quest Diagnostics COM 74834L100 1,974 16,564 SH   SOLE   0 0 16,564
SPDR S&P 500 ETF TR TR UNIT 78462F103 23,754 63,534 SH   SOLE   0 0 63,534
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 1,002 26,959 SH   SOLE   0 0 26,959
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 7,385 239,846 SH   SOLE   0 0 239,846
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 13,373 198,264 SH   SOLE   0 0 198,264
VANGUARD INDEX FDS HEALTH CAR ETF 92204a504 23,389 104,540 SH   SOLE   0 0 104,540