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
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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 18,960 128,257 SH   SOLE   0 0 128,257
ISHARES TR CORE US AGGBD ET 464287226 16,799 148,766 SH   SOLE   0 0 148,766
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 15,131 119,679 SH   SOLE   0 0 119,679
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 14,952 277,662 SH   SOLE   0 0 277,662
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 10,630 121,287 SH   SOLE   0 0 121,287
VANGUARD INDEX FDS TOTAL STK MKT 922908769 8,424 51,212 SH   SOLE   0 0 51,212
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 8,134 143,078 SH   SOLE   0 0 143,078
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 7,049 137,040 SH   SOLE   0 0 137,040
VANGUARD INDEX FDS SML CP GRW ETF 922908595 6,268 31,325 SH   SOLE   0 0 31,325
ISHARES TR RUS 1000 VAL ETF 464287598 6,136 45,043 SH   SOLE   0 0 45,043
ISHARES TR CORE DIV GRWTH 46434V621 6,020 143,322 SH   SOLE   0 0 143,322
ISHARES TR IBOXX HI YD ETF 464288513 6,003 68,117 SH   SOLE   0 0 68,117
ISHARES TR CORE MSCI TOTAL 46432F834 5,617 90,641 SH   SOLE   0 0 90,641
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 4,136 77,536 SH   SOLE   0 0 77,536
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 3,718 79,643 SH   SOLE   0 0 79,643
ISHARES TR CORE HIGH DV ETF 46429B663 3,359 34,392 SH   SOLE   0 0 34,392
VANGUARD INDEX FDS GROWTH ETF 922908736 3,298 17,858 SH   SOLE   0 0 17,858
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,206 38,701 SH   SOLE   0 0 38,701
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,873 20,434 SH   SOLE   0 0 20,434
ISHARES TR CORE S&P MCP ETF 464287507 1,580 7,706 SH   SOLE   0 0 7,706
ISHARES TR NATIONAL MUN ETF 464288414 1,483 12,953 SH   SOLE   0 0 12,953
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,470 17,467 SH   SOLE   0 0 17,467
INVESCO QQQ TR UNIT SER 1 46090E103 1,289 5,981 SH   SOLE   0 0 5,981
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,194 18,016 SH   SOLE   0 0 18,016
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 997 18,527 SH   SOLE   0 0 18,527
ISHARES TR INTRM GOV CR ETF 464288612 961 8,505 SH   SOLE   0 0 8,505
ISHARES TR MBS ETF 464288588 943 8,707 SH   SOLE   0 0 8,707
CHUBB LIMITED COM H1467J104 901 5,737 SH   SOLE   0 0 5,737
ISHARES TR INTRM TR CRP ETF 464288638 813 13,969 SH   SOLE   0 0 13,969
APPLE INC COM 037833100 772 2,576 SH   SOLE   0 0 2,576
SPDR SERIES TRUST NUVEEN BBG BRCLY 78464A284 769 12,964 SH   SOLE   0 0 12,964
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 744 7,894 SH   SOLE   0 0 7,894
VANGUARD GROUP DIV APP ETF 921908844 653 5,228 SH   SOLE   0 0 5,228
SCHWAB STRATEGIC TR US REIT ETF 808524847 613 13,417 SH   SOLE   0 0 13,417
VANGUARD INDEX FDS VALUE ETF 922908744 574 4,797 SH   SOLE   0 0 4,797
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 572 3,572 SH   SOLE   0 0 3,572
SPDR SERIES TRUST BLOOMBERG BRCLYS 78468R622 554 5,040 SH   SOLE   0 0 5,040
VANGUARD INDEX FDS LARGE CAP ETF 922908637 479 3,223 SH   SOLE   0 0 3,223
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 473 2,083 SH   SOLE   0 0 2,083
ISHARES TR SELECT DIVID ETF 464287168 437 4,175 SH   SOLE   0 0 4,175
JOHNSON & JOHNSON COM 478160104 362 2,511 SH   SOLE   0 0 2,511
CSX CORP COM 126408103 348 4,800 SH   SOLE   0 0 4,800
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 320 7,259 SH   SOLE   0 0 7,259
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 317 3,906 SH   SOLE   0 0 3,906
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 307 2,599 SH   SOLE   0 0 2,599
ISHARES TR MSCI EAFE ETF 464287465 281 4,048 SH   SOLE   0 0 4,048
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 262 4,059 SH   SOLE   0 0 4,059
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 260 2,789 SH   SOLE   0 0 2,789
ISHARES TR CORE S&P SCP ETF 464287804 250 2,981 SH   SOLE   0 0 2,981
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 250 4,238 SH   SOLE   0 0 4,238
INVESCO EXCHNG TRADED FD TR SR LN ETF 46138G508 237 10,340 SH   SOLE   0 0 10,340
SPDR S&P 500 ETF TR TR UNIT 78462F103 235 726 SH   SOLE   0 0 726
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 232 10,855 SH   SOLE   0 0 10,855
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 226 10,639 SH   SOLE   0 0 10,639
ISHARES TR RUSSELL 2000 ETF 464287655 225 1,358 SH   SOLE   0 0 1,358
LILLY ELI & CO COM 532457108 222 1,679 SH   SOLE   0 0 1,679
ISHARES TR CORE S&P TTL STK 464287150 215 2,936 SH   SOLE   0 0 2,936
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 214 7,805 SH   SOLE   0 0 7,805
DOMINION ENERGY INC COM 25746U109 211 2,564 SH   SOLE   0 0 2,564