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
Ishares TRUST Core Msci Eafe Etf ETF 46432F842 40,680 691,252 SH   SOLE   0 0 691,252
iShares S&P 500 Index (ETF) ETF 464287200 33,400 88,092 SH   SOLE   0 0 88,092
iShares 7-10 Year Treasury Bond ETF ETF 464287440 22,813 222,999 SH   SOLE   0 0 222,999
Invesco BulletShares 2024 Corp Bd ETF ETF 46138J841 22,509 1,085,308 SH   SOLE   0 0 1,085,308
Ishares Inc Core Msci Emerging Mkts Etf ETF 46434G103 19,172 390,790 SH   SOLE   0 0 390,790
ISHARES 0 TO 3 MNTH TREASURY BND ETF ETF 46436E718 17,085 170,649 SH   SOLE   0 0 170,649
iShares S&P SmallCap 600 Index (ETF) ETF 464287804 11,333 122,640 SH   SOLE   0 0 122,640
iShares Core S&P Mid-Cap ETF ETF 464287507 10,353 45,764 SH   SOLE   0 0 45,764
SPDR Nvn Barclys Short Term Mncpl Bnd ETF ETF 78468R739 8,024 169,788 SH   SOLE   0 0 169,788
iPath Bloomberg Commodity Index Total Return ETN ETN 06738C778 5,314 152,699 SH   SOLE   0 0 152,699
Schwab US Large Cap Etf ETF 808524201 4,812 107,744 SH   SOLE   0 0 107,744
SPDR Portfolio Emerging Markets ETF ETF 78463X509 4,163 119,732 SH   SOLE   0 0 119,732
SPDR Developed World Ex-US ETF ETF 78463X889 4,126 143,058 SH   SOLE   0 0 143,058
Schwab US Broad Market Etf ETF 808524102 2,713 61,402 SH   SOLE   0 0 61,402
SPDR Barclays Emerging Markets Local Bond ETF ETF 78464A391 2,396 117,157 SH   SOLE   0 0 117,157
SPDR S&P 600 Small Cap ETF ETF 78464A813 2,047 25,559 SH   SOLE   0 0 25,559
SPDR S&P 500 ETF ETF 78462F103 1,742 4,617 SH   SOLE   0 0 4,617
Schwab Emerging Market Equity Etf ETF 808524706 1,587 62,545 SH   SOLE   0 0 62,545
Ishares National AMT Free Muni ETF ETF 464288414 1,377 12,942 SH   SOLE   0 0 12,942
Schwab US Small Cap Etf ETF 808524607 1,044 26,765 SH   SOLE   0 0 26,765
Schwab US Mid-Cap Etf ETF 808524508 953 15,188 SH   SOLE   0 0 15,188
Schwab International Equity ETF ETF 808524805 818 26,001 SH   SOLE   0 0 26,001
iShares Russell 3000 Index (ETF) ETF 464287689 720 3,310 SH   SOLE   0 0 3,310
Ishares Msci EAFE Index ETF ETF 464287465 554 8,863 SH   SOLE   0 0 8,863
Medtronic Inc Common Stock G5960L103 489 5,447 SH   SOLE   0 0 5,447
iShares Barclays Aggregate Bond ETF ETF 464287226 469 4,614 SH   SOLE   0 0 4,614
Ishares Russell Midcap ETF ETF 464287499 374 5,781 SH   SOLE   0 0 5,781
Spdr Nuveen Barclay Muni Bond ETF ETF 78468R721 361 7,863 SH   SOLE   0 0 7,863
SPDR SERIES TRUST PORTFOLIO Mid Cap ETF ETF 78464A847 341 8,588 SH   SOLE   0 0 8,588
Raytheon Technologies Co Common Stock 75513E101 261 2,714 SH   SOLE   0 0 2,714
Vanguard Mid Cap ETF ETF 922908629 222 1,127 SH   SOLE   0 0 1,127
Vanguard Emerging Market ETF ETF 922042858 166 3,976 SH   SOLE   0 0 3,976
Apple Inc Common Stock 037833100 145 1,062 SH   SOLE   0 0 1,062
Guggenheim Bullet 2022 ETF 46138J882 109 5,162 SH   SOLE   0 0 5,162
Ishares Msci Acwi Etf ETF 464288257 104 1,239 SH   SOLE   0 0 1,239
Vanguard S&P 500 Index ETF ETF 922908363 95 274 SH   SOLE   0 0 274
Carrier Global Corp Common Stock 14448C104 94 2,631 SH   SOLE   0 0 2,631
Otis Worldwide Corp Common Stock 68902V107 93 1,323 SH   SOLE   0 0 1,323
SPDR SERIES TRUST PORTFOLIO Small Cap ETF ETF 78468R853 88 2,454 SH   SOLE   0 0 2,454
Vanguard Europe Pac Etf ETF 921943858 86 2,109 SH   SOLE   0 0 2,109
Vanguard Total Stock Mkt ETF ETF 922908769 81 428 SH   SOLE   0 0 428
Ishares Short-Term National Muni Bond ETF ETF 464288158 73 702 SH   SOLE   0 0 702
Powershares Etf ETF 46138G508 46 2,294 SH   SOLE   0 0 2,294
Ishares S&P 500 Value ETF ETF 464287408 33 243 SH   SOLE   0 0 243
Johnson & Johnson Common Stock 478160104 23 132 SH   SOLE   0 0 132
Dentsply Intl Inc Common Stock 24906P109 14 390 SH   SOLE   0 0 390
Alibaba Group Hldg ADR Common Stock 01609W102 13 118 SH   SOLE   0 0 118
Vanguard Small Cap Index ETF ETF 922908751 11 61 SH   SOLE   0 0 61
ChargePoint Holdings Inc Common Stock 15961R105 11 776 SH   SOLE   0 0 776
Applied Materials Inc Common Stock 038222105 9 100 SH   SOLE   0 0 100
Ishares Msci Emrg Mkt ETF ETF 464287234 7 180 SH   SOLE   0 0 180
Ishares Gold ETF ETF 464285204 7 194 SH   SOLE   0 0 194
SPDR DJ Wilshire Global Real Estate (ETF) ETF 78463X749 3 73 SH   SOLE   0 0 73
iShares Emerging Markets Local Currency Bond ETF ETF 464286517 0 9 SH   SOLE   0 0 9