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
AMAZON COM INC COM 023135106 1,269 11,102 SH   SOLE   0 0 11,102
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 378 6,557 SH   SOLE   0 0 6,557
CHEVRON CORP NEW COM 166764100 306 2,134 SH   SOLE   0 0 2,134
CIGNA CORP NEW COM 125523100 639 2,376 SH   SOLE   0 0 2,376
CITIGROUP INC COM NEW 172967424 22 12,062 SH   SOLE   0 0 12,062
COSTCO WHSL CORP NEW COM 22160K105 1,082 2,257 SH   SOLE   0 0 2,257
DISNEY WALT CO COM 254687106 892 9,149 SH   SOLE   0 0 9,149
EXXON MOBIL CORP COM 30231G102 1,082 12,226 SH   SOLE   0 0 12,226
FOSSIL GROUP INC COM 34988V106 42 11,601 SH   SOLE   0 0 11,601
HENRY JACK & ASSOC INC COM 426281101 381 2,046 SH   SOLE   0 0 2,046
HONEYWELL INTL INC COM 438516106 806 9,263 SH   SOLE   0 0 9,263
ISHARES TR CORE S&P500 ETF 464287200 281 757 SH   SOLE   0 0 757
ISHARES TR CORE US AGGBD ET 464287226 210 2,175 SH   SOLE   0 0 2,175
JOHNSON & JOHNSON COM 478160104 318 8,733 SH   SOLE   0 0 8,733
KROGER CO COM 501044101 455 10,228 SH   SOLE   0 0 10,228
MANHATTAN BRDG CAP INC COM 562803106 96 91,175 SH   SOLE   0 0 91,175
MICROSOFT CORP COM 594918104 1,955 7,527 SH   SOLE   0 0 7,527
PROGRESSIVE CORP COM 743315103 2,236 19,201 SH   SOLE   0 0 19,201
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,026 36,232 SH   SOLE   0 0 36,232
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 815 17,975 SH   SOLE   0 0 17,975
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 806 19,112 SH   SOLE   0 0 19,112
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 543 12,765 SH   SOLE   0 0 12,765
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 309 4,519 SH   SOLE   0 0 4,519
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 784 19,717 SH   SOLE   0 0 19,717
SIRIUS XM HOLDINGS INC COM 82968B103 86 14,916 SH   SOLE   0 0 14,916
SOUTHWEST AIRLS CO COM 844741108 211 3,186 SH   SOLE   0 0 3,186
TEXTRON INC COM 883203101 274 4,684 SH   SOLE   0 0 4,684
UNITED PARCEL SERVICE INC CL B 911312106 433 2,585 SH   SOLE   0 0 2,585
VANGUARD BD INDEX FDS INTERMED TERM 921937819 6,532 88,816 SH   SOLE   0 0 88,816
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 869 18,205 SH   SOLE   0 0 18,205
VANGUARD INDEX FDS MID CAP ETF 922908629 317 1,300 SH   SOLE   0 0 1,300
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 771 696 SH   SOLE   0 0 696
VANGUARD INDEX FDS TOTAL STK MKT 922908769 15,457 86,096 SH   SOLE   0 0 86,096
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 487 11,700 SH   SOLE   0 0 11,700
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,327 27,485 SH   SOLE   0 0 27,485
VANGUARD STAR FDS VG TL INTL STK F 921909768 7,880 172,108 SH   SOLE   0 0 172,108
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 563 11,077 SH   SOLE   0 0 11,077
WALMART INC COM 931142103 726 5,506 SH   SOLE   0 0 5,506