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 20,285 111,649 SH   SOLE   0 0 111,649
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 18,499 370,283 SH   SOLE   0 0 370,283
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 16,362 124,803 SH   SOLE   0 0 124,803
ISHARES TR CORE US AGGBD ET 464287226 13,403 131,820 SH   SOLE   0 0 131,820
VANGUARD BD INDEX FDS INTERMED TERM 921937819 10,476 134,908 SH   SOLE   0 0 134,908
VANGUARD INDEX FDS GROWTH ETF 922908736 8,895 39,907 SH   SOLE   0 0 39,907
ISHARES TR CORE DIV GRWTH 46434V621 8,400 176,322 SH   SOLE   0 0 176,322
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 8,049 162,481 SH   SOLE   0 0 162,481
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 8,013 87,946 SH   SOLE   0 0 87,946
SCHWAB STRATEGIC TR US TIPS ETF 808524870 7,671 137,477 SH   SOLE   0 0 137,477
VANGUARD INDEX FDS SML CP GRW ETF 922908595 7,206 36,571 SH   SOLE   0 0 36,571
ISHARES TR IBOXX HI YD ETF 464288513 6,795 92,310 SH   SOLE   0 0 92,310
VANGUARD INDEX FDS TOTAL STK MKT 922908769 6,047 32,061 SH   SOLE   0 0 32,061
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 5,070 121,763 SH   SOLE   0 0 121,763
ISHARES TR CORE MSCI TOTAL 46432F834 4,964 87,047 SH   SOLE   0 0 87,047
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 4,526 94,659 SH   SOLE   0 0 94,659
ISHARES TR RUS 1000 VAL ETF 464287598 4,352 30,021 SH   SOLE   0 0 30,021
ISHARES TR CORE HIGH DV ETF 46429B663 3,003 29,898 SH   SOLE   0 0 29,898
ISHARES TR CORE S&P MCP ETF 464287507 2,950 13,041 SH   SOLE   0 0 13,041
ISHARES TR SHRT NAT MUN ETF 464288158 2,336 22,318 SH   SOLE   0 0 22,318
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,328 30,937 SH   SOLE   0 0 30,937
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,839 23,954 SH   SOLE   0 0 23,954
ISHARES TR CORE MSCI INTL 46435G326 1,758 32,720 SH   SOLE   0 0 32,720
INVESCO QQQ TR UNIT SER 1 46090E103 1,589 5,671 SH   SOLE   0 0 5,671
ISHARES TR CORE INTL AGGR 46435G672 1,533 30,778 SH   SOLE   0 0 30,778
ISHARES TR PFD AND INCM SEC 464288687 1,518 46,172 SH   SOLE   0 0 46,172
APPLE INC COM 037833100 1,312 9,598 SH   SOLE   0 0 9,598
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,247 7,236 SH   SOLE   0 0 7,236
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,212 8,448 SH   SOLE   0 0 8,448
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,149 19,809 SH   SOLE   0 0 19,809
ISHARES TR INTRM GOV CR ETF 464288612 1,108 10,497 SH   SOLE   0 0 10,497
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 1,075 24,357 SH   SOLE   0 0 24,357
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,069 50,682 SH   SOLE   0 0 50,682
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,044 20,919 SH   SOLE   0 0 20,919
ISHARES TR CORE TOTAL USD 46434V613 992 21,183 SH   SOLE   0 0 21,183
SPDR SER TR BLOOMBERG HIGH Y 78468R622 918 10,119 SH   SOLE   0 0 10,119
VANGUARD INDEX FDS VALUE ETF 922908744 813 6,161 SH   SOLE   0 0 6,161
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 785 4,476 SH   SOLE   0 0 4,476
CHUBB LIMITED COM H1467J104 779 3,964 SH   SOLE   0 0 3,964
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 768 12,557 SH   SOLE   0 0 12,557
ISHARES TR ISHS 5-10YR INVT 464288638 690 13,516 SH   SOLE   0 0 13,516
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 679 8,490 SH   SOLE   0 0 8,490
ISHARES TR 0-5YR INVT GR CP 46434V100 646 13,336 SH   SOLE   0 0 13,336
SPDR SER TR NUVEEN BLOOMBERG 78464A284 642 12,488 SH   SOLE   0 0 12,488
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 626 30,868 SH   SOLE   0 0 30,868
ISHARES TR NATIONAL MUN ETF 464288414 623 5,859 SH   SOLE   0 0 5,859
ISHARES TR MBS ETF 464288588 591 6,065 SH   SOLE   0 0 6,065
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 579 6,785 SH   SOLE   0 0 6,785
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 549 7,670 SH   SOLE   0 0 7,670
LILLY ELI & CO COM 532457108 540 1,665 SH   SOLE   0 0 1,665
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 480 11,772 SH   SOLE   0 0 11,772
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 473 11,354 SH   SOLE   0 0 11,354
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 458 7,479 SH   SOLE   0 0 7,479
ISHARES TR CORE 1 5 YR USD 46432F859 457 9,646 SH   SOLE   0 0 9,646
JOHNSON & JOHNSON COM 478160104 457 2,573 SH   SOLE   0 0 2,573
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 445 3,433 SH   SOLE   0 0 3,433
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 426 16,793 SH   SOLE   0 0 16,793
CSX CORP COM 126408103 418 14,400 SH   SOLE   0 0 14,400
ISHARES TR TIPS BD ETF 464287176 410 3,600 SH   SOLE   0 0 3,600
ISHARES TR SELECT DIVID ETF 464287168 397 3,372 SH   SOLE   0 0 3,372
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 386 1,415 SH   SOLE   0 0 1,415
VANGUARD STAR FDS VG TL INTL STK F 921909768 386 7,488 SH   SOLE   0 0 7,488
VANGUARD INDEX FDS SMALL CP ETF 922908751 376 2,133 SH   SOLE   0 0 2,133
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 354 6,579 SH   SOLE   0 0 6,579
EVERSOURCE ENERGY COM 30040W108 347 4,113 SH   SOLE   0 0 4,113
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 345 7,833 SH   SOLE   0 0 7,833
ISHARES TR CORE S&P TTL STK 464287150 317 3,782 SH   SOLE   0 0 3,782
ISHARES TR MSCI EAFE ETF 464287465 271 4,341 SH   SOLE   0 0 4,341
ISHARES TR S&P SML 600 GWT 464287887 266 2,527 SH   SOLE   0 0 2,527
INVESCO EXCHANGE TRADED FD T S&P500 EQL STP 46137V373 264 1,591 SH   SOLE   0 0 1,591
VANECK ETF TRUST INVESTMENT GRD 92189F486 261 10,583 SH   SOLE   0 0 10,583
ISHARES TR CORE S&P SCP ETF 464287804 254 2,744 SH   SOLE   0 0 2,744
SEMPRA COM 816851109 251 1,674 SH   SOLE   0 0 1,674
SPDR S&P 500 ETF TR TR UNIT 78462F103 247 655 SH   SOLE   0 0 655
ISHARES TR RUSSELL 2000 ETF 464287655 243 1,433 SH   SOLE   0 0 1,433
ISHARES TR S&P MC 400VL ETF 464287705 236 2,496 SH   SOLE   0 0 2,496
INNOVATOR ETFS TR US EQTY ULTRA B 45782C532 232 8,330 SH   SOLE   0 0 8,330
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 226 5,116 SH   SOLE   0 0 5,116
ISHARES TR RUS 2000 GRW ETF 464287648 219 1,060 SH   SOLE   0 0 1,060
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 210 10,022 SH   SOLE   0 0 10,022
DOMINION ENERGY INC COM 25746U109 205 2,564 SH   SOLE   0 0 2,564
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 202 9,545 SH   SOLE   0 0 9,545