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 20,332 109,666 SH   SOLE   0 0 109,666
ISHARES TR CORE US AGGBD ET 464287226 17,422 147,567 SH   SOLE   0 0 147,567
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 16,517 327,396 SH   SOLE   0 0 327,396
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 16,016 123,467 SH   SOLE   0 0 123,467
VANGUARD BD INDEX FDS INTERMED TERM 921937819 11,270 120,565 SH   SOLE   0 0 120,565
VANGUARD INDEX FDS TOTAL STK MKT 922908769 8,400 49,319 SH   SOLE   0 0 49,319
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 7,968 136,935 SH   SOLE   0 0 136,935
VANGUARD INDEX FDS SML CP GRW ETF 922908595 7,254 33,752 SH   SOLE   0 0 33,752
ISHARES TR CORE DIV GRWTH 46434V621 6,040 151,793 SH   SOLE   0 0 151,793
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 6,028 152,614 SH   SOLE   0 0 152,614
ISHARES TR IBOXX HI YD ETF 464288513 5,768 68,744 SH   SOLE   0 0 68,744
ISHARES TR RUS 1000 VAL ETF 464287598 5,525 46,773 SH   SOLE   0 0 46,773
ISHARES TR CORE MSCI TOTAL 46432F834 4,946 84,776 SH   SOLE   0 0 84,776
VANGUARD INDEX FDS GROWTH ETF 922908736 4,138 18,181 SH   SOLE   0 0 18,181
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 3,876 86,667 SH   SOLE   0 0 86,667
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 3,755 69,184 SH   SOLE   0 0 69,184
ISHARES TR CORE HIGH DV ETF 46429B663 2,984 37,079 SH   SOLE   0 0 37,079
ISHARES TR CORE S&P MCP ETF 464287507 2,254 12,161 SH   SOLE   0 0 12,161
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,148 34,847 SH   SOLE   0 0 34,847
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,730 18,056 SH   SOLE   0 0 18,056
INVESCO QQQ TR UNIT SER 1 46090E103 1,597 5,749 SH   SOLE   0 0 5,749
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,510 17,117 SH   SOLE   0 0 17,117
ISHARES TR NATIONAL MUN ETF 464288414 1,413 12,189 SH   SOLE   0 0 12,189
APPLE INC COM 037833100 1,198 10,340 SH   SOLE   0 0 10,340
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,180 16,738 SH   SOLE   0 0 16,738
ISHARES TR ISHS 5-10YR INVT 464288638 991 16,296 SH   SOLE   0 0 16,296
ISHARES TR INTRM GOV CR ETF 464288612 988 8,390 SH   SOLE   0 0 8,390
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 964 17,709 SH   SOLE   0 0 17,709
ISHARES TR MBS ETF 464288588 954 8,639 SH   SOLE   0 0 8,639
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 816 7,082 SH   SOLE   0 0 7,082
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 717 3,982 SH   SOLE   0 0 3,982
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 693 5,390 SH   SOLE   0 0 5,390
VANGUARD INDEX FDS VALUE ETF 922908744 635 6,074 SH   SOLE   0 0 6,074
SPDR SER TR NUVEEN BBG BRCLY 78464A284 612 10,768 SH   SOLE   0 0 10,768
SPDR SER TR BLOOMBERG BRCLYS 78468R622 607 5,825 SH   SOLE   0 0 5,825
VANGUARD INDEX FDS LARGE CAP ETF 922908637 573 3,664 SH   SOLE   0 0 3,664
CHUBB LIMITED COM H1467J104 558 4,807 SH   SOLE   0 0 4,807
SCHWAB STRATEGIC TR US REIT ETF 808524847 556 15,726 SH   SOLE   0 0 15,726
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 550 6,822 SH   SOLE   0 0 6,822
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 444 2,083 SH   SOLE   0 0 2,083
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 379 4,798 SH   SOLE   0 0 4,798
JOHNSON & JOHNSON COM 478160104 374 2,513 SH   SOLE   0 0 2,513
CSX CORP COM 126408103 373 4,800 SH   SOLE   0 0 4,800
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 334 4,229 SH   SOLE   0 0 4,229
ISHARES TR MSCI EAFE ETF 464287465 329 5,165 SH   SOLE   0 0 5,165
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 300 6,163 SH   SOLE   0 0 6,163
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 283 13,009 SH   SOLE   0 0 13,009
ISHARES TR SELECT DIVID ETF 464287168 275 3,377 SH   SOLE   0 0 3,377
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 273 12,537 SH   SOLE   0 0 12,537
LILLY ELI & CO COM 532457108 249 1,679 SH   SOLE   0 0 1,679
SPDR S&P 500 ETF TR TR UNIT 78462F103 248 741 SH   SOLE   0 0 741
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 243 11,395 SH   SOLE   0 0 11,395
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 231 8,619 SH   SOLE   0 0 8,619
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 217 9,953 SH   SOLE   0 0 9,953
ISHARES TR CORE S&P TTL STK 464287150 215 2,843 SH   SOLE   0 0 2,843
VANGUARD INDEX FDS SMALL CP ETF 922908751 214 1,394 SH   SOLE   0 0 1,394
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 206 5,048 SH   SOLE   0 0 5,048
ISHARES TR RUSSELL 2000 ETF 464287655 205 1,368 SH   SOLE   0 0 1,368
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 203 2,002 SH   SOLE   0 0 2,002
DOMINION ENERGY INC COM 25746U109 202 2,564 SH   SOLE   0 0 2,564