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
Estimated average burden
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
DBX ETF TR XTRACK MSCI EURP 233051853 437 17,376 SH   SOLE   0 0 17,376
DISNEY WALT CO COM DISNEY 254687106 783 7,145 SH   SOLE   0 0 7,145
SPDR S&P 500 ETF TR TR UNIT 78462F103 232 927 SH   SOLE   0 0 927
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 45,552 579,759 SH   SOLE   0 0 579,759
BALL CORP COM 058498106 3,235 70,364 SH   SOLE   0 0 70,364
VANGUARD INDEX FDS LARGE CAP ETF 922908637 262 2,280 SH   SOLE   0 0 2,280
ISHARES TR TIPS BD ETF 464287176 2,805 25,615 SH   SOLE   0 0 25,615
PEPSICO INC COM 713448108 241 2,182 SH   SOLE   0 0 2,182
COSTCO WHSL CORP NEW COM 22160K105 1,262 6,195 SH   SOLE   0 0 6,195
APPLE INC COM 037833100 1,726 10,943 SH   SOLE   0 0 10,943
ORACLE CORP COM 68389X105 361 7,997 SH   SOLE   0 0 7,997
TEXAS INSTRS INC COM 882508104 244 2,579 SH   SOLE   0 0 2,579
PROCTER AND GAMBLE CO COM 742718109 988 10,753 SH   SOLE   0 0 10,753
ISHARES TR EAFE SML CP ETF 464288273 351 6,779 SH   SOLE   0 0 6,779
WISDOMTREE TR US LARGECAP DIVD 97717W307 271 3,208 SH   SOLE   0 0 3,208
SPDR SER TR PORTFOLIO SH TSR 78468R101 7,324 247,608 SH   SOLE   0 0 247,608
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 549 10,850 SH   SOLE   0 0 10,850
INTEL CORP COM 458140100 239 5,083 SH   SOLE   0 0 5,083
ISHARES TR RUSSELL 3000 ETF 464287689 217 1,480 SH   SOLE   0 0 1,480
ISHARES TR SP SMCP600VL ETF 464287879 761 5,769 SH   SOLE   0 0 5,769
EXXON MOBIL CORP COM 30231G102 238 3,496 SH   SOLE   0 0 3,496
CISCO SYS INC COM 17275R102 1,153 26,620 SH   SOLE   0 0 26,620
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 7,345 222,318 SH   SOLE   0 0 222,318
JPMORGAN CHASE & CO COM 46625H100 230 2,359 SH   SOLE   0 0 2,359
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 294 1,438 SH   SOLE   0 0 1,438
DENTSPLY SIRONA INC COM 24906P109 473 12,700 SH   SOLE   0 0 12,700
CHEVRON CORP NEW COM 166764100 327 3,006 SH   SOLE   0 0 3,006
SQUARE INC CL A 852234103 270 4,806 SH   SOLE   0 0 4,806
INVESCO EXCHANGE TRADED FD T CLEANTECH ETF 46137V407 341 9,270 SH   SOLE   0 0 9,270
VISA INC COM CL A 92826C839 536 4,059 SH   SOLE   0 0 4,059
ISHARES TR RUS 1000 VAL ETF 464287598 623 5,613 SH   SOLE   0 0 5,613
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,536 47,419 SH   SOLE   0 0 47,419
EXPONENT INC COM 30214U102 1,526 30,090 SH   SOLE   0 0 30,090
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 260 9,166 SH   SOLE   0 0 9,166
PROGRESSIVE CORP OHIO COM 743315103 215 3,572 SH   SOLE   0 0 3,572
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 54,582 671,443 SH   SOLE   0 0 671,443
VERISIGN INC COM 92343E102 1,145 7,720 SH   SOLE   0 0 7,720
NEWELL BRANDS INC COM 651229106 402 21,650 SH   SOLE   0 0 21,650
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 733 15,300 SH   SOLE   0 0 15,300
SPDR SER TR SPDR BLOOMBERG 78468R663 5,400 59,038 SH   SOLE   0 0 59,038
SPDR SERIES TRUST BLOMBRG BRC TIPS 78464A656 9,284 172,278 SH   SOLE   0 0 172,278
3M CO COM 88579Y101 409 2,144 SH   SOLE   0 0 2,144
WELLS FARGO CO NEW COM 949746101 216 4,682 SH   SOLE   0 0 4,682
TESLA INC COM 88160R101 404 1,215 SH   SOLE   0 0 1,215
MICROSOFT CORP COM 594918104 529 5,206 SH   SOLE   0 0 5,206
ISHARES TR RUS 1000 GRW ETF 464287614 859 6,563 SH   SOLE   0 0 6,563
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 219 3,673 SH   SOLE   0 0 3,673
VANGUARD GROUP DIV APP ETF 921908844 307 3,134 SH   SOLE   0 0 3,134
STARBUCKS CORP COM 855244109 208 3,235 SH   SOLE   0 0 3,235
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 4,541 163,045 SH   SOLE   0 0 163,045
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 7,191 238,588 SH   SOLE   0 0 238,588
ALPHABET INC CAP STK CL A 02079K305 753 721 SH   SOLE   0 0 721
HONEYWELL INTL INC COM 438516106 383 2,900 SH   SOLE   0 0 2,900
ALPHABET INC CAP STK CL C 02079K107 519 501 SH   SOLE   0 0 501
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 215 5,631 SH   SOLE   0 0 5,631
W R BERKLEY CORPORATION COM 084423102 810 10,959 SH   SOLE   0 0 10,959
ISHARES TR MSCI EAFE ETF 464287465 226 3,840 SH   SOLE   0 0 3,840
ISHARES TR CORE S&P500 ETF 464287200 1,347 5,354 SH   SOLE   0 0 5,354
AFLAC INC COM 001055102 306 6,706 SH   SOLE   0 0 6,706
INTUIT COM 461202103 1,148 5,834 SH   SOLE   0 0 5,834
ISHARES INC MSCI JPN ETF NEW 46434G822 232 4,574 SH   SOLE   0 0 4,574
SPDR SERIES TRUST BLMBRG BRC INTRM 78464A672 8,367 140,507 SH   SOLE   0 0 140,507
NYMOX PHARMACEUTICAL CORP COM P73398102 23 17,562 SH   SOLE   0 0 17,562
THERMO FISHER SCIENTIFIC INC COM 883556102 1,330 5,942 SH   SOLE   0 0 5,942
VANGUARD INDEX FDS SM CP VAL ETF 922908611 255 2,238 SH   SOLE   0 0 2,238
JOHNSON & JOHNSON COM 478160104 559 4,330 SH   SOLE   0 0 4,330