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
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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   960,104 4,950 SH   SOLE   0 0 4,950
HOME DEPOT INC COM 437076102   1,311,694 4,223 SH   SOLE   0 0 4,223
ISHARES TR CORE S&P500 ETF 464287200   10,966,230 24,604 SH   SOLE   0 0 24,604
ISHARES TR CORE S&P SCP ETF 464287804   2,715,099 27,246 SH   SOLE   0 0 27,246
ISHARES TR SHRT NAT MUN ETF 464288158   892,517 8,579 SH   SOLE   0 0 8,579
ISHARES TR NATIONAL MUN ETF 464288414   739,781 6,931 SH   SOLE   0 0 6,931
ISHARES TR CRE U S REIT ETF 464288521   6,885,112 133,926 SH   SOLE   0 0 133,926
ISHARES TR SHORT TREAS BD 464288679   247,299 2,239 SH   SOLE   0 0 2,239
ISHARES TR CORE MSCI EAFE 46432F842   445,770 6,604 SH   SOLE   0 0 6,604
ISHARES TR 0-5YR INVT GR CP 46434V100   13,637,138 282,869 SH   SOLE   0 0 282,869
ISHARES TR BLACKROCK ULTRA 46434V878   5,581,319 110,961 SH   SOLE   0 0 110,961
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   249,969 4,985 SH   SOLE   0 0 4,985
MICROSOFT CORP COM 594918104   205,346 603 SH   SOLE   0 0 603
NORFOLK SOUTHN CORP COM 655844108   224,492 990 SH   SOLE   0 0 990
PACER FDS TR US CASH COWS 100 69374H881   17,468,133 364,908 SH   SOLE   0 0 364,908
SPDR S&P 500 ETF TR TR UNIT 78462F103   711,682 1,605 SH   SOLE   0 0 1,605
SPDR SER TR PORTFOLIO AGRGTE 78464A649   1,984,799 78,234 SH   SOLE   0 0 78,234
SPDR SER TR PORTFOLI S&P1500 78464A805   2,667,179 48,993 SH   SOLE   0 0 48,993
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   220,287 1,356 SH   SOLE   0 0 1,356
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,672,471 29,823 SH   SOLE   0 0 29,823
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   14,257,902 155,163 SH   SOLE   0 0 155,163
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   2,846,255 37,991 SH   SOLE   0 0 37,991
VANGUARD BD INDEX FDS INTERMED TERM 921937819   10,802,520 143,593 SH   SOLE   0 0 143,593
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   30,539,313 404,120 SH   SOLE   0 0 404,120
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   913,370 12,565 SH   SOLE   0 0 12,565
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   17,881,741 387,218 SH   SOLE   0 0 387,218
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   15,023,658 307,358 SH   SOLE   0 0 307,358
VANGUARD WORLD FDS INF TECH ETF 92204A702   11,027,798 24,941 SH   SOLE   0 0 24,941
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,361,575 82,635 SH   SOLE   0 0 82,635
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   221,938 4,419 SH   SOLE   0 0 4,419
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   67,794,408 166,457 SH   SOLE   0 0 166,457
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   315,569 3,777 SH   SOLE   0 0 3,777
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,929,477 9,518 SH   SOLE   0 0 9,518
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,074,666 9,418 SH   SOLE   0 0 9,418
WEYERHAEUSER CO MTN BE COM NEW 962166104   274,581 8,194 SH   SOLE   0 0 8,194