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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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 474 194 SH   SOLE   194 0 0
ALPHABET INC CAP STK CL C 02079K107 526 210 SH   SOLE   210 0 0
ALTRIA GROUP INC COM 02209S103 323 6,779 SH   SOLE   6,779 0 0
AMAZON COM INC COM 023135106 1,428 415 SH   SOLE   415 0 0
AMGEN INC COM 031162100 232 952 SH   SOLE   952 0 0
APPLE INC COM 037833100 2,407 17,574 SH   SOLE   17,574 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 7,033 25,305 SH   SOLE   25,305 0 0
COCA COLA CO COM 191216100 1,249 23,081 SH   SOLE   23,081 0 0
FACEBOOK INC CL A 30303M102 361 1,037 SH   SOLE   1,037 0 0
HOME DEPOT INC COM 437076102 891 2,793 SH   SOLE   2,793 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 252 274 SH   SOLE   274 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 349 16,167 SH   SOLE   16,167 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528 402 15,465 SH   SOLE   15,465 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100 1,168 22,533 SH   SOLE   22,533 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,939 27,647 SH   SOLE   27,647 0 0
ISHARES GOLD TR ISHARES NEW 464285204 246 7,290 SH   SOLE   7,290 0 0
ISHARES TR CORE MSCI EAFE 46432F842 16,665 222,617 SH   SOLE   222,617 0 0
ISHARES INC CORE MSCI EMKT 46434G103 7,990 119,266 SH   SOLE   119,266 0 0
ISHARES TR CORE US AGGBD ET 464287226 29,454 255,385 SH   SOLE   255,385 0 0
ISHARES TR MSCI ACWI EX US 464288240 4,570 79,471 SH   SOLE   79,471 0 0
ISHARES TR MSCI EAFE ETF 464287465 5,039 63,883 SH   SOLE   63,883 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 3,653 13,458 SH   SOLE   13,458 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 3,833 24,162 SH   SOLE   24,162 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 3,092 13,481 SH   SOLE   13,481 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 355 3,091 SH   SOLE   3,091 0 0
ISHARES TR RUS MID CAP ETF 464287499 723 9,128 SH   SOLE   9,128 0 0
ISHARES TR S&P MC 400GR ETF 464287606 239 2,953 SH   SOLE   2,953 0 0
ISHARES TR CORE S&P500 ETF 464287200 682 1,587 SH   SOLE   1,587 0 0
JOHNSON & JOHNSON COM 478160104 603 3,662 SH   SOLE   3,662 0 0
KIMBERLY-CLARK CORP COM 494368103 229 1,709 SH   SOLE   1,709 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 318 1,469 SH   SOLE   1,469 0 0
MARSH & MCLENNAN COS INC COM 571748102 308 2,190 SH   SOLE   2,190 0 0
MCDONALDS CORP COM 580135101 237 1,026 SH   SOLE   1,026 0 0
MERCK & CO INC COM 58933Y105 536 6,889 SH   SOLE   6,889 0 0
MICROSOFT CORP COM 594918104 1,146 4,230 SH   SOLE   4,230 0 0
NORFOLK SOUTHN CORP COM 655844108 202 762 SH   SOLE   762 0 0
PROCTER AND GAMBLE CO COM 742718109 413 3,064 SH   SOLE   3,064 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 10,403 203,098 SH   SOLE   203,098 0 0
SPDR GOLD TR GOLD SHS 78463V107 424 2,560 SH   SOLE   2,560 0 0
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 229 7,574 SH   SOLE   7,574 0 0
SPDR SER TR S&P DIVID ETF 78464A763 477 3,901 SH   SOLE   3,901 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 2,466 19,583 SH   SOLE   19,583 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,999 4,671 SH   SOLE   4,671 0 0
MANAGED PORTFOLIO SERIES TORTOISE NRAM PI 56167N720 2,765 122,732 SH   SOLE   122,732 0 0
UNILEVER PLC SPON ADR NEW 904767704 316 5,403 SH   SOLE   5,403 0 0
UNION PAC CORP COM 907818108 249 1,133 SH   SOLE   1,133 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 722 11,386 SH   SOLE   11,386 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,261 133,690 SH   SOLE   133,690 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 4,328 15,090 SH   SOLE   15,090 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 852 3,449 SH   SOLE   3,449 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 5,941 25,029 SH   SOLE   25,029 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 945 11,508 SH   SOLE   11,508 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,209 61,237 SH   SOLE   61,237 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 3,131 50,973 SH   SOLE   50,973 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,123 18,303 SH   SOLE   18,303 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 9,709 188,443 SH   SOLE   188,443 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,747 20,345 SH   SOLE   20,345 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 682 10,388 SH   SOLE   10,388 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 39,808 178,657 SH   SOLE   178,657 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 7,053 51,306 SH   SOLE   51,306 0 0
VISA INC COM CL A 92826C839 728 3,115 SH   SOLE   3,115 0 0
DISNEY WALT CO COM 254687106 319 1,813 SH   SOLE   1,813 0 0