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
VANGUARD WORLD FD MEGA GRWTH IND 921910816 22,811 110,160 SH   SOLE   0 0 110,160
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 20,110 331,410 SH   SOLE   0 0 331,410
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 19,975 112,909 SH   SOLE   0 0 112,909
ISHARES TR CORE US AGGBD ET 464287226 15,266 134,110 SH   SOLE   0 0 134,110
VANGUARD INDEX FDS TOTAL STK MKT 922908769 9,899 47,892 SH   SOLE   0 0 47,892
VANGUARD BD INDEX FDS INTERMED TERM 921937819 9,732 109,685 SH   SOLE   0 0 109,685
VANGUARD INDEX FDS SML CP GRW ETF 922908595 8,795 32,024 SH   SOLE   0 0 32,024
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 8,441 147,771 SH   SOLE   0 0 147,771
ISHARES TR CORE DIV GRWTH 46434V621 7,474 154,842 SH   SOLE   0 0 154,842
SCHWAB STRATEGIC TR US TIPS ETF 808524870 6,813 111,402 SH   SOLE   0 0 111,402
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 6,772 143,413 SH   SOLE   0 0 143,413
ISHARES TR IBOXX HI YD ETF 464288513 6,462 74,121 SH   SOLE   0 0 74,121
ISHARES TR RUS 1000 VAL ETF 464287598 6,103 40,270 SH   SOLE   0 0 40,270
ISHARES TR CORE MSCI TOTAL 46432F834 6,041 85,962 SH   SOLE   0 0 85,962
VANGUARD INDEX FDS GROWTH ETF 922908736 5,400 21,008 SH   SOLE   0 0 21,008
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 4,211 92,061 SH   SOLE   0 0 92,061
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 4,107 76,960 SH   SOLE   0 0 76,960
ISHARES TR CORE HIGH DV ETF 46429B663 3,723 39,239 SH   SOLE   0 0 39,239
ISHARES TR CORE S&P MCP ETF 464287507 3,114 11,964 SH   SOLE   0 0 11,964
INVESCO QQQ TR UNIT SER 1 46090E103 1,816 5,690 SH   SOLE   0 0 5,690
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,772 19,047 SH   SOLE   0 0 19,047
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,730 20,424 SH   SOLE   0 0 20,424
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,497 16,301 SH   SOLE   0 0 16,301
ISHARES TR NATIONAL MUN ETF 464288414 1,483 12,779 SH   SOLE   0 0 12,779
APPLE INC COM 037833100 1,265 10,359 SH   SOLE   0 0 10,359
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,090 16,214 SH   SOLE   0 0 16,214
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,055 19,317 SH   SOLE   0 0 19,317
ISHARES TR ISHS 5-10YR INVT 464288638 993 16,760 SH   SOLE   0 0 16,760
ISHARES TR MBS ETF 464288588 941 8,680 SH   SOLE   0 0 8,680
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 938 4,371 SH   SOLE   0 0 4,371
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 915 7,050 SH   SOLE   0 0 7,050
ISHARES TR INTRM GOV CR ETF 464288612 903 7,858 SH   SOLE   0 0 7,858
VANGUARD INDEX FDS LARGE CAP ETF 922908637 831 4,483 SH   SOLE   0 0 4,483
VANGUARD INDEX FDS VALUE ETF 922908744 804 6,119 SH   SOLE   0 0 6,119
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 778 5,290 SH   SOLE   0 0 5,290
CHUBB LIMITED COM H1467J104 759 4,807 SH   SOLE   0 0 4,807
SCHWAB STRATEGIC TR US REIT ETF 808524847 702 17,093 SH   SOLE   0 0 17,093
SPDR SER TR BLOOMBERG BRCLYS 78468R622 673 6,188 SH   SOLE   0 0 6,188
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 669 6,881 SH   SOLE   0 0 6,881
SPDR SER TR NUVEEN BBG BRCLY 78464A284 648 10,921 SH   SOLE   0 0 10,921
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 532 2,083 SH   SOLE   0 0 2,083
CSX CORP COM 126408103 463 4,800 SH   SOLE   0 0 4,800
EVERSOURCE ENERGY COM 30040W108 447 5,157 SH   SOLE   0 0 5,157
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 434 8,835 SH   SOLE   0 0 8,835
JOHNSON & JOHNSON COM 478160104 429 2,610 SH   SOLE   0 0 2,610
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 418 18,870 SH   SOLE   0 0 18,870
ISHARES TR SELECT DIVID ETF 464287168 384 3,369 SH   SOLE   0 0 3,369
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 381 4,916 SH   SOLE   0 0 4,916
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 373 6,697 SH   SOLE   0 0 6,697
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 365 2,705 SH   SOLE   0 0 2,705
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 332 10,452 SH   SOLE   0 0 10,452
ISHARES TR RUSSELL 2000 ETF 464287655 324 1,465 SH   SOLE   0 0 1,465
ISHARES TR MSCI EAFE ETF 464287465 323 4,258 SH   SOLE   0 0 4,258
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 321 14,729 SH   SOLE   0 0 14,729
VANGUARD INDEX FDS SMALL CP ETF 922908751 319 1,490 SH   SOLE   0 0 1,490
LILLY ELI & CO COM 532457108 314 1,679 SH   SOLE   0 0 1,679
ISHARES TR CORE S&P SCP ETF 464287804 276 2,544 SH   SOLE   0 0 2,544
SPDR S&P 500 ETF TR TR UNIT 78462F103 274 693 SH   SOLE   0 0 693
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 265 12,534 SH   SOLE   0 0 12,534
ISHARES TR CORE S&P TTL STK 464287150 256 2,799 SH   SOLE   0 0 2,799
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 250 11,569 SH   SOLE   0 0 11,569
ISHARES TR S&P MC 400VL ETF 464287705 239 2,348 SH   SOLE   0 0 2,348
SEMPRA ENERGY COM 816851109 213 1,609 SH   SOLE   0 0 1,609