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 26,403 112,449 SH   SOLE   0 0 112,449
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 20,899 342,833 SH   SOLE   0 0 342,833
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 20,300 111,317 SH   SOLE   0 0 111,317
ISHARES TR CORE US AGGBD ET 464287226 16,058 139,844 SH   SOLE   0 0 139,844
VANGUARD BD INDEX FDS INTERMED TERM 921937819 11,292 126,256 SH   SOLE   0 0 126,256
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 9,427 165,500 SH   SOLE   0 0 165,500
VANGUARD INDEX FDS SML CP GRW ETF 922908595 9,376 33,467 SH   SOLE   0 0 33,467
ISHARES TR CORE DIV GRWTH 46434V621 8,552 170,221 SH   SOLE   0 0 170,221
VANGUARD INDEX FDS GROWTH ETF 922908736 8,496 29,279 SH   SOLE   0 0 29,279
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 8,303 81,574 SH   SOLE   0 0 81,574
SCHWAB STRATEGIC TR US TIPS ETF 808524870 8,067 128,911 SH   SOLE   0 0 128,911
VANGUARD INDEX FDS TOTAL STK MKT 922908769 7,635 34,382 SH   SOLE   0 0 34,382
ISHARES TR IBOXX HI YD ETF 464288513 7,496 85,683 SH   SOLE   0 0 85,683
ISHARES TR CORE MSCI TOTAL 46432F834 6,040 85,070 SH   SOLE   0 0 85,070
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 5,103 110,886 SH   SOLE   0 0 110,886
ISHARES TR RUS 1000 VAL ETF 464287598 4,981 31,828 SH   SOLE   0 0 31,828
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 4,663 87,512 SH   SOLE   0 0 87,512
ISHARES TR CORE S&P MCP ETF 464287507 3,219 12,236 SH   SOLE   0 0 12,236
ISHARES TR CORE HIGH DV ETF 46429B663 2,949 31,286 SH   SOLE   0 0 31,286
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,052 21,734 SH   SOLE   0 0 21,734
INVESCO QQQ TR UNIT SER 1 46090E103 2,026 5,661 SH   SOLE   0 0 5,661
ISHARES TR PFD AND INCM SEC 464288687 1,826 47,058 SH   SOLE   0 0 47,058
ISHARES TR NATIONAL MUN ETF 464288414 1,795 15,455 SH   SOLE   0 0 15,455
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,765 20,659 SH   SOLE   0 0 20,659
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 1,489 29,158 SH   SOLE   0 0 29,158
APPLE INC COM 037833100 1,468 10,377 SH   SOLE   0 0 10,377
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,444 26,368 SH   SOLE   0 0 26,368
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,271 18,813 SH   SOLE   0 0 18,813
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,091 4,616 SH   SOLE   0 0 4,616
ISHARES TR ISHS 5-10YR INVT 464288638 1,074 17,883 SH   SOLE   0 0 17,883
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,005 6,785 SH   SOLE   0 0 6,785
ISHARES TR MBS ETF 464288588 942 8,711 SH   SOLE   0 0 8,711
SCHWAB STRATEGIC TR US REIT ETF 808524847 915 20,041 SH   SOLE   0 0 20,041
ISHARES TR INTRM GOV CR ETF 464288612 910 7,907 SH   SOLE   0 0 7,907
VANGUARD INDEX FDS LARGE CAP ETF 922908637 900 4,479 SH   SOLE   0 0 4,479
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 839 5,461 SH   SOLE   0 0 5,461
VANGUARD INDEX FDS VALUE ETF 922908744 816 6,026 SH   SOLE   0 0 6,026
SPDR SER TR NUVEEN BBG BRCLY 78464A284 791 13,187 SH   SOLE   0 0 13,187
CHUBB LIMITED COM H1467J104 688 3,964 SH   SOLE   0 0 3,964
SPDR SER TR BLOOMBERG BRCLYS 78468R622 687 6,280 SH   SOLE   0 0 6,280
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 676 6,639 SH   SOLE   0 0 6,639
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 622 12,325 SH   SOLE   0 0 12,325
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 502 22,684 SH   SOLE   0 0 22,684
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 481 3,443 SH   SOLE   0 0 3,443
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 453 5,781 SH   SOLE   0 0 5,781
CSX CORP COM 126408103 428 14,400 SH   SOLE   0 0 14,400
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 410 7,288 SH   SOLE   0 0 7,288
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 393 12,881 SH   SOLE   0 0 12,881
LILLY ELI & CO COM 532457108 388 1,679 SH   SOLE   0 0 1,679
JOHNSON & JOHNSON COM 478160104 387 2,397 SH   SOLE   0 0 2,397
ISHARES TR SELECT DIVID ETF 464287168 385 3,359 SH   SOLE   0 0 3,359
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 364 1,333 SH   SOLE   0 0 1,333
ISHARES TR MSCI EAFE ETF 464287465 334 4,281 SH   SOLE   0 0 4,281
EVERSOURCE ENERGY COM 30040W108 329 4,028 SH   SOLE   0 0 4,028
VANGUARD INDEX FDS SMALL CP ETF 922908751 325 1,486 SH   SOLE   0 0 1,486
ISHARES TR RUSSELL 2000 ETF 464287655 312 1,427 SH   SOLE   0 0 1,427
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 307 14,164 SH   SOLE   0 0 14,164
SPDR S&P 500 ETF TR TR UNIT 78462F103 283 659 SH   SOLE   0 0 659
ISHARES TR CORE S&P SCP ETF 464287804 279 2,552 SH   SOLE   0 0 2,552
ISHARES TR CORE S&P TTL STK 464287150 270 2,740 SH   SOLE   0 0 2,740
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 260 12,092 SH   SOLE   0 0 12,092
ISHARES TR S&P MC 400VL ETF 464287705 244 2,364 SH   SOLE   0 0 2,364
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 225 4,490 SH   SOLE   0 0 4,490
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 223 10,592 SH   SOLE   0 0 10,592
SEMPRA COM 816851109 207 1,635 SH   SOLE   0 0 1,635