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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD WORLD FD MEGA GRWTH IND 921910816 17,785 132,250 SH   SOLE   0 0 132,250
ISHARES TR CORE US AGGBD ET 464287226 16,798 149,028 SH   SOLE   0 0 149,028
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 14,201 121,222 SH   SOLE   0 0 121,222
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 13,912 273,544 SH   SOLE   0 0 273,544
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 10,612 121,015 SH   SOLE   0 0 121,015
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 8,222 140,829 SH   SOLE   0 0 140,829
VANGUARD INDEX FDS TOTAL STK MKT 922908769 7,904 51,936 SH   SOLE   0 0 51,936
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 7,143 135,573 SH   SOLE   0 0 135,573
ISHARES TR RUS 1000 VAL ETF 464287598 5,992 46,764 SH   SOLE   0 0 46,764
VANGUARD INDEX FDS SML CP GRW ETF 922908595 5,843 31,641 SH   SOLE   0 0 31,641
ISHARES TR IBOXX HI YD ETF 464288513 5,831 66,966 SH   SOLE   0 0 66,966
ISHARES TR CORE DIV GRWTH 46434V621 5,747 146,158 SH   SOLE   0 0 146,158
ISHARES TR CORE MSCI TOTAL 46432F834 5,171 87,892 SH   SOLE   0 0 87,892
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 4,134 77,772 SH   SOLE   0 0 77,772
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 3,587 78,329 SH   SOLE   0 0 78,329
ISHARES TR CORE HIGH DV ETF 46429B663 3,273 34,998 SH   SOLE   0 0 34,998
VANGUARD INDEX FDS GROWTH ETF 922908736 3,060 18,119 SH   SOLE   0 0 18,119
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,172 38,393 SH   SOLE   0 0 38,393
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,815 19,931 SH   SOLE   0 0 19,931
ISHARES TR CORE S&P MCP ETF 464287507 1,486 7,679 SH   SOLE   0 0 7,679
ISHARES TR NATIONAL MUN ETF 464288414 1,464 12,844 SH   SOLE   0 0 12,844
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,463 17,396 SH   SOLE   0 0 17,396
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,167 17,555 SH   SOLE   0 0 17,555
INVESCO QQQ TR UNIT SER 1 46090E103 1,156 5,972 SH   SOLE   0 0 5,972
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 987 18,433 SH   SOLE   0 0 18,433
ISHARES TR MBS ETF 464288588 936 8,662 SH   SOLE   0 0 8,662
ISHARES TR INTRM GOV CR ETF 464288612 936 8,275 SH   SOLE   0 0 8,275
CHUBB LIMITED COM H1467J104 878 5,737 SH   SOLE   0 0 5,737
ISHARES TR INTRM TR CRP ETF 464288638 771 13,343 SH   SOLE   0 0 13,343
SPDR SERIES TRUST NUV HGHYLD MUN 78464A284 762 12,904 SH   SOLE   0 0 12,904
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 675 7,883 SH   SOLE   0 0 7,883
VANGUARD GROUP DIV APP ETF 921908844 624 5,214 SH   SOLE   0 0 5,214
APPLE INC COM 037833100 606 2,576 SH   SOLE   0 0 2,576
SCHWAB STRATEGIC TR US REIT ETF 808524847 563 11,899 SH   SOLE   0 0 11,899
VANGUARD INDEX FDS VALUE ETF 922908744 534 4,779 SH   SOLE   0 0 4,779
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 534 3,569 SH   SOLE   0 0 3,569
SPDR SERIES TRUST BLOOMBERG BRCLYS 78468R622 525 4,844 SH   SOLE   0 0 4,844
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 435 2,083 SH   SOLE   0 0 2,083
ISHARES TR SELECT DIVID ETF 464287168 413 4,081 SH   SOLE   0 0 4,081
JOHNSON & JOHNSON COM 478160104 342 2,511 SH   SOLE   0 0 2,511
CSX CORP COM 126408103 335 4,800 SH   SOLE   0 0 4,800
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 302 7,225 SH   SOLE   0 0 7,225
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 292 3,632 SH   SOLE   0 0 3,632
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 291 2,593 SH   SOLE   0 0 2,593
ISHARES TR MSCI EAFE ETF 464287465 268 4,036 SH   SOLE   0 0 4,036
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 259 4,033 SH   SOLE   0 0 4,033
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 250 2,822 SH   SOLE   0 0 2,822
ISHARES TR CORE S&P SCP ETF 464287804 234 2,975 SH   SOLE   0 0 2,975
INVESCO EXCHNG TRADED FD TR SR LN ETF 46138G508 231 10,279 SH   SOLE   0 0 10,279
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 226 3,722 SH   SOLE   0 0 3,722
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 223 10,485 SH   SOLE   0 0 10,485
SPDR S&P 500 ETF TR TR UNIT 78462F103 217 725 SH   SOLE   0 0 725
DOMINION ENERGY INC COM 25746U109 211 2,564 SH   SOLE   0 0 2,564
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 211 9,891 SH   SOLE   0 0 9,891
ISHARES TR RUSSELL 2000 ETF 464287655 208 1,357 SH   SOLE   0 0 1,357
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 201 9,363 SH   SOLE   0 0 9,363