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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
APPLE INC COM 037833100   816,215 4,950 SH   SOLE   0 0 4,950
HOME DEPOT INC COM 437076102   1,290,170 4,372 SH   SOLE   0 0 4,372
ISHARES TR CORE S&P500 ETF 464287200   9,903,214 24,091 SH   SOLE   0 0 24,091
ISHARES TR CORE S&P SCP ETF 464287804   2,587,721 26,760 SH   SOLE   0 0 26,760
ISHARES TR SHRT NAT MUN ETF 464288158   539,835 5,157 SH   SOLE   0 0 5,157
ISHARES TR NATIONAL MUN ETF 464288414   702,073 6,516 SH   SOLE   0 0 6,516
ISHARES TR CRE U S REIT ETF 464288521   6,394,653 126,878 SH   SOLE   0 0 126,878
ISHARES TR SHORT TREAS BD 464288679   259,884 2,352 SH   SOLE   0 0 2,352
ISHARES TR CORE MSCI EAFE 46432F842   446,491 6,679 SH   SOLE   0 0 6,679
ISHARES TR 0-5YR INVT GR CP 46434V100   13,527,956 279,042 SH   SOLE   0 0 279,042
ISHARES TR BLACKROCK ULTRA 46434V878   4,975,569 99,016 SH   SOLE   0 0 99,016
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   272,952 5,424 SH   SOLE   0 0 5,424
NORFOLK SOUTHN CORP COM 655844108   209,880 990 SH   SOLE   0 0 990
PACER FDS TR US CASH COWS 100 69374H881   16,553,630 352,580 SH   SOLE   0 0 352,580
SPDR S&P 500 ETF TR TR UNIT 78462F103   720,920 1,761 SH   SOLE   0 0 1,761
SPDR SER TR PORTFOLIO AGRGTE 78464A649   1,928,549 74,779 SH   SOLE   0 0 74,779
SPDR SER TR PORTFOLI S&P1500 78464A805   2,519,180 49,954 SH   SOLE   0 0 49,954
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   201,630 1,309 SH   SOLE   0 0 1,309
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,563,067 28,311 SH   SOLE   0 0 28,311
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   13,342,575 150,271 SH   SOLE   0 0 150,271
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   2,849,027 37,174 SH   SOLE   0 0 37,174
VANGUARD BD INDEX FDS INTERMED TERM 921937819   10,809,103 140,854 SH   SOLE   0 0 140,854
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   30,528,117 399,113 SH   SOLE   0 0 399,113
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   856,021 11,594 SH   SOLE   0 0 11,594
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   17,322,554 383,497 SH   SOLE   0 0 383,497
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   14,592,011 298,283 SH   SOLE   0 0 298,283
VANGUARD WORLD FDS INF TECH ETF 92204A702   9,498,073 24,640 SH   SOLE   0 0 24,640
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,289,825 81,431 SH   SOLE   0 0 81,431
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   61,403,908 163,278 SH   SOLE   0 0 163,278
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   417,186 5,024 SH   SOLE   0 0 5,024
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,777,810 9,517 SH   SOLE   0 0 9,517
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,724,285 8,448 SH   SOLE   0 0 8,448
WEYERHAEUSER CO MTN BE COM NEW 962166104   246,885 8,194 SH   SOLE   0 0 8,194