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
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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 19,480 111,769 SH   SOLE   0 0 111,769
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 16,297 367,377 SH   SOLE   0 0 367,377
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 15,626 122,936 SH   SOLE   0 0 122,936
ISHARES TR CORE US AGGBD ET 464287226 12,054 125,124 SH   SOLE   0 0 125,124
VANGUARD BD INDEX FDS INTERMED TERM 921937819 9,563 130,147 SH   SOLE   0 0 130,147
VANGUARD INDEX FDS GROWTH ETF 922908736 8,747 40,885 SH   SOLE   0 0 40,885
ISHARES TR CORE DIV GRWTH 46434V621 7,797 175,321 SH   SOLE   0 0 175,321
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 7,453 156,156 SH   SOLE   0 0 156,156
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 7,330 91,435 SH   SOLE   0 0 91,435
VANGUARD INDEX FDS SML CP GRW ETF 922908595 6,998 35,865 SH   SOLE   0 0 35,865
ISHARES TR IBOXX HI YD ETF 464288513 6,534 91,523 SH   SOLE   0 0 91,523
SCHWAB STRATEGIC TR US TIPS ETF 808524870 6,394 123,445 SH   SOLE   0 0 123,445
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,782 32,218 SH   SOLE   0 0 32,218
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 5,304 129,784 SH   SOLE   0 0 129,784
ISHARES TR CORE MSCI TOTAL 46432F834 4,431 87,027 SH   SOLE   0 0 87,027
ISHARES TR RUS 1000 VAL ETF 464287598 3,800 27,946 SH   SOLE   0 0 27,946
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 3,258 72,255 SH   SOLE   0 0 72,255
ISHARES TR CORE S&P MCP ETF 464287507 3,216 14,666 SH   SOLE   0 0 14,666
ISHARES TR CORE HIGH DV ETF 46429B663 2,506 27,454 SH   SOLE   0 0 27,454
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,403 33,694 SH   SOLE   0 0 33,694
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,231 29,819 SH   SOLE   0 0 29,819
ISHARES TR CORE INTL AGGR 46435G672 1,818 37,614 SH   SOLE   0 0 37,614
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,768 48,626 SH   SOLE   0 0 48,626
INVESCO QQQ TR UNIT SER 1 46090E103 1,517 5,675 SH   SOLE   0 0 5,675
ISHARES TR SHRT NAT MUN ETF 464288158 1,456 14,185 SH   SOLE   0 0 14,185
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,370 10,137 SH   SOLE   0 0 10,137
APPLE INC COM 037833100 1,327 9,605 SH   SOLE   0 0 9,605
ISHARES TR PFD AND INCM SEC 464288687 1,320 41,670 SH   SOLE   0 0 41,670
ISHARES TR MBS ETF 464288588 1,291 14,094 SH   SOLE   0 0 14,094
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,152 7,045 SH   SOLE   0 0 7,045
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,077 19,299 SH   SOLE   0 0 19,299
ISHARES TR TIPS BD ETF 464287176 1,063 10,135 SH   SOLE   0 0 10,135
ISHARES TR CORE MSCI INTL 46435G326 1,062 21,989 SH   SOLE   0 0 21,989
ISHARES TR CORE TOTAL USD 46434V613 1,023 22,999 SH   SOLE   0 0 22,999
ISHARES TR NATIONAL MUN ETF 464288414 973 9,487 SH   SOLE   0 0 9,487
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 972 48,156 SH   SOLE   0 0 48,156
ISHARES TR CORE 1 5 YR USD 46432F859 904 19,601 SH   SOLE   0 0 19,601
SCHWAB STRATEGIC TR US REIT ETF 808524847 900 48,168 SH   SOLE   0 0 48,168
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 891 18,505 SH   SOLE   0 0 18,505
SPDR SER TR NUVEEN BLMBRG SH 78468R739 862 18,693 SH   SOLE   0 0 18,693
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 824 21,285 SH   SOLE   0 0 21,285
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 806 4,724 SH   SOLE   0 0 4,724
VANGUARD INDEX FDS VALUE ETF 922908744 744 6,028 SH   SOLE   0 0 6,028
SPDR SER TR BLOOMBERG HIGH Y 78468R622 727 8,279 SH   SOLE   0 0 8,279
CHUBB LIMITED COM H1467J104 721 3,964 SH   SOLE   0 0 3,964
ISHARES TR INTRM GOV CR ETF 464288612 695 6,839 SH   SOLE   0 0 6,839
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 583 7,846 SH   SOLE   0 0 7,846
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 540 14,788 SH   SOLE   0 0 14,788
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 539 10,800 SH   SOLE   0 0 10,800
LILLY ELI & CO COM 532457108 538 1,665 SH   SOLE   0 0 1,665
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 538 6,819 SH   SOLE   0 0 6,819
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 530 6,998 SH   SOLE   0 0 6,998
ISHARES TR 0-5YR INVT GR CP 46434V100 474 10,003 SH   SOLE   0 0 10,003
SPDR SER TR NUVEEN BLOOMBERG 78464A284 444 9,255 SH   SOLE   0 0 9,255
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 443 7,606 SH   SOLE   0 0 7,606
JOHNSON & JOHNSON COM 478160104 423 2,587 SH   SOLE   0 0 2,587
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 416 6,256 SH   SOLE   0 0 6,256
ISHARES TR RUS 2000 GRW ETF 464287648 390 1,890 SH   SOLE   0 0 1,890
ISHARES TR S&P SML 600 GWT 464287887 385 3,785 SH   SOLE   0 0 3,785
CSX CORP COM 126408103 384 14,400 SH   SOLE   0 0 14,400
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 378 1,415 SH   SOLE   0 0 1,415
VANGUARD INDEX FDS SMALL CP ETF 922908751 361 2,111 SH   SOLE   0 0 2,111
ISHARES TR SELECT DIVID ETF 464287168 358 3,342 SH   SOLE   0 0 3,342
VANGUARD STAR FDS VG TL INTL STK F 921909768 353 7,713 SH   SOLE   0 0 7,713
SPDR SER TR PRTFLO S&P500 GW 78464A409 346 6,901 SH   SOLE   0 0 6,901
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 338 8,036 SH   SOLE   0 0 8,036
ISHARES TR 1 3 YR TREAS BD 464287457 326 4,010 SH   SOLE   0 0 4,010
ISHARES TR S&P MC 400VL ETF 464287705 325 3,614 SH   SOLE   0 0 3,614
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 322 5,605 SH   SOLE   0 0 5,605
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 307 2,523 SH   SOLE   0 0 2,523
ISHARES TR CORE S&P TTL STK 464287150 296 3,720 SH   SOLE   0 0 3,720
ISHARES TR CORE S&P SCP ETF 464287804 284 3,259 SH   SOLE   0 0 3,259
ISHARES TR ISHS 5-10YR INVT 464288638 280 5,796 SH   SOLE   0 0 5,796
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 264 5,374 SH   SOLE   0 0 5,374
EVERSOURCE ENERGY COM 30040W108 261 3,343 SH   SOLE   0 0 3,343
ISHARES TR RUSSELL 2000 ETF 464287655 236 1,433 SH   SOLE   0 0 1,433
SPDR S&P 500 ETF TR TR UNIT 78462F103 234 656 SH   SOLE   0 0 656
INNOVATOR ETFS TR US EQTY ULTRA B 45782C532 232 8,330 SH   SOLE   0 0 8,330
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 221 9,859 SH   SOLE   0 0 9,859
SEMPRA COM 816851109 205 1,366 SH   SOLE   0 0 1,366
ISHARES TR BROAD USD HIGH 46435U853 204 6,071 SH   SOLE   0 0 6,071
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 204 5,357 SH   SOLE   0 0 5,357