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 22,232 109,113 SH   SOLE   0 0 109,113
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 19,766 120,024 SH   SOLE   0 0 120,024
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 19,474 333,691 SH   SOLE   0 0 333,691
ISHARES TR CORE US AGGBD ET 464287226 17,535 148,362 SH   SOLE   0 0 148,362
VANGUARD BD INDEX FDS INTERMED TERM 921937819 11,697 125,976 SH   SOLE   0 0 125,976
VANGUARD INDEX FDS TOTAL STK MKT 922908769 9,584 49,242 SH   SOLE   0 0 49,242
VANGUARD INDEX FDS SML CP GRW ETF 922908595 8,835 33,008 SH   SOLE   0 0 33,008
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 8,293 141,638 SH   SOLE   0 0 141,638
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 6,915 155,539 SH   SOLE   0 0 155,539
ISHARES TR CORE DIV GRWTH 46434V621 6,858 153,019 SH   SOLE   0 0 153,019
ISHARES TR IBOXX HI YD ETF 464288513 6,267 71,781 SH   SOLE   0 0 71,781
ISHARES TR RUS 1000 VAL ETF 464287598 5,850 42,785 SH   SOLE   0 0 42,785
ISHARES TR CORE MSCI TOTAL 46432F834 5,747 85,533 SH   SOLE   0 0 85,533
VANGUARD INDEX FDS GROWTH ETF 922908736 5,263 20,773 SH   SOLE   0 0 20,773
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 4,060 75,089 SH   SOLE   0 0 75,089
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 3,972 87,010 SH   SOLE   0 0 87,010
ISHARES TR CORE HIGH DV ETF 46429B663 3,519 40,138 SH   SOLE   0 0 40,138
ISHARES TR CORE S&P MCP ETF 464287507 2,804 12,200 SH   SOLE   0 0 12,200
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,300 37,049 SH   SOLE   0 0 37,049
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,030 23,017 SH   SOLE   0 0 23,017
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,815 18,685 SH   SOLE   0 0 18,685
INVESCO QQQ TR UNIT SER 1 46090E103 1,784 5,685 SH   SOLE   0 0 5,685
ISHARES TR NATIONAL MUN ETF 464288414 1,495 12,759 SH   SOLE   0 0 12,759
APPLE INC COM 037833100 1,373 10,350 SH   SOLE   0 0 10,350
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,168 16,822 SH   SOLE   0 0 16,822
ISHARES TR INTRM GOV CR ETF 464288612 1,068 9,080 SH   SOLE   0 0 9,080
ISHARES TR ISHS 5-10YR INVT 464288638 1,009 16,323 SH   SOLE   0 0 16,323
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 983 17,812 SH   SOLE   0 0 17,812
ISHARES TR MBS ETF 464288588 954 8,664 SH   SOLE   0 0 8,664
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 910 7,089 SH   SOLE   0 0 7,089
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 880 4,148 SH   SOLE   0 0 4,148
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 769 9,058 SH   SOLE   0 0 9,058
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 752 5,324 SH   SOLE   0 0 5,324
CHUBB LIMITED COM H1467J104 740 4,807 SH   SOLE   0 0 4,807
VANGUARD INDEX FDS VALUE ETF 922908744 725 6,096 SH   SOLE   0 0 6,096
VANGUARD INDEX FDS LARGE CAP ETF 922908637 699 3,977 SH   SOLE   0 0 3,977
SPDR SER TR NUVEEN BBG BRCLY 78464A284 660 11,189 SH   SOLE   0 0 11,189
SPDR SER TR BLOOMBERG BRCLYS 78468R622 642 5,894 SH   SOLE   0 0 5,894
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 635 6,863 SH   SOLE   0 0 6,863
SCHWAB STRATEGIC TR US REIT ETF 808524847 602 15,856 SH   SOLE   0 0 15,856
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 483 2,083 SH   SOLE   0 0 2,083
EVERSOURCE ENERGY COM 30040W108 446 5,157 SH   SOLE   0 0 5,157
CSX CORP COM 126408103 436 4,800 SH   SOLE   0 0 4,800
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 407 18,277 SH   SOLE   0 0 18,277
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 400 4,857 SH   SOLE   0 0 4,857
JOHNSON & JOHNSON COM 478160104 393 2,500 SH   SOLE   0 0 2,500
ISHARES TR MSCI EAFE ETF 464287465 379 5,190 SH   SOLE   0 0 5,190
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 353 6,505 SH   SOLE   0 0 6,505
ISHARES TR SELECT DIVID ETF 464287168 324 3,369 SH   SOLE   0 0 3,369
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 308 6,534 SH   SOLE   0 0 6,534
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 298 13,627 SH   SOLE   0 0 13,627
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 296 9,651 SH   SOLE   0 0 9,651
VANGUARD INDEX FDS SMALL CP ETF 922908751 285 1,466 SH   SOLE   0 0 1,466
LILLY ELI & CO COM 532457108 284 1,679 SH   SOLE   0 0 1,679
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 274 2,304 SH   SOLE   0 0 2,304
ISHARES TR RUSSELL 2000 ETF 464287655 269 1,370 SH   SOLE   0 0 1,370
SPDR S&P 500 ETF TR TR UNIT 78462F103 259 692 SH   SOLE   0 0 692
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 255 12,015 SH   SOLE   0 0 12,015
ISHARES TR CORE S&P TTL STK 464287150 246 2,855 SH   SOLE   0 0 2,855
ISHARES TR CORE S&P SCP ETF 464287804 245 2,664 SH   SOLE   0 0 2,664
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 230 10,559 SH   SOLE   0 0 10,559
SEMPRA ENERGY COM 816851109 205 1,609 SH   SOLE   0 0 1,609
ISHARES TR S&P MC 400VL ETF 464287705 203 2,348 SH   SOLE   0 0 2,348