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
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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
ISHARES TR CORE S&P MCP ETF 464287507 5,118 27,621 SH   SOLE   0 0 27,621
ISHARES TR S&P MC 400VL ETF 464287705 283 2,102 SH   SOLE   0 0 2,102
ISHARES TR CORE S&P SCP ETF 464287804 3,224 45,901 SH   SOLE   0 0 45,901
ISHARES TR S&P 500 VAL ETF 464287408 837 7,444 SH   SOLE   0 0 7,444
ISHARES TR CORE S&P500 ETF 464287200 44,033 131,029 SH   SOLE   0 0 131,029
ISHARES TR RUS 1000 ETF 464287622 645 3,445 SH   SOLE   0 0 3,445
ISHARES TR RUS 1000 VAL ETF 464287598 370 3,133 SH   SOLE   0 0 3,133
ISHARES TR RUS 1000 GRW ETF 464287614 1,417 6,531 SH   SOLE   0 0 6,531
ISHARES TR RUSSELL 2000 ETF 464287655 532 3,549 SH   SOLE   0 0 3,549
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 281 829 SH   SOLE   0 0 829
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,338 6,982 SH   SOLE   0 0 6,982
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 536 2,517 SH   SOLE   0 0 2,517
MICROSOFT CORP COM 594918104 278 1,321 SH   SOLE   0 0 1,321
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 319 2,735 SH   SOLE   0 0 2,735
MERCK & CO. INC COM 58933Y105 12,319 148,506 SH   SOLE   0 0 148,506
NIKE INC CL B 654106103 229 1,822 SH   SOLE   0 0 1,822
VOYA PRIME RATE TR SH BEN INT 92913A100 642 145,637 SH   SOLE   0 0 145,637
TEMPLETON GLOBAL INCOME FD COM 880198106 243 45,387 SH   SOLE   0 0 45,387
MARRIOTT INTL INC NEW CL A 571903202 635 6,857 SH   SOLE   0 0 6,857
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,586 9,314 SH   SOLE   0 0 9,314
APPLE INC COM 037833100 2,654 22,916 SH   SOLE   0 0 22,916
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 633 14,644 SH   SOLE   0 0 14,644
LABORATORY CORP AMER HLDGS COM NEW 50540R409 2,081 11,051 SH   SOLE   0 0 11,051
NUVEEN PFD & INCOME OPPORTUN COM 67073B106 120 14,100 SH   SOLE   0 0 14,100
SPDR GOLD TR GOLD SHS 78463V107 346 1,951 SH   SOLE   0 0 1,951
VANGUARD INDEX FDS VALUE ETF 922908744 6,674 63,857 SH   SOLE   0 0 63,857
VANGUARD INDEX FDS MID CAP ETF 922908629 10,348 58,709 SH   SOLE   0 0 58,709
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,635 14,778 SH   SOLE   0 0 14,778
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 394 4,996 SH   SOLE   0 0 4,996
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,587 10,319 SH   SOLE   0 0 10,319
VANGUARD INDEX FDS GROWTH ETF 922908736 11,925 52,394 SH   SOLE   0 0 52,394
NUVEEN QUALITY MUNCP INCOME COM 67066V101 176 12,144 SH   SOLE   0 0 12,144
VANGUARD INDEX FDS SML CP GRW ETF 922908595 231 1,076 SH   SOLE   0 0 1,076
VANGUARD WORLD FDS UTILITIES ETF 92204A876 247 1,913 SH   SOLE   0 0 1,913
SPDR SER TR S&P DIVID ETF 78464A763 1,750 18,941 SH   SOLE   0 0 18,941
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 566 4,972 SH   SOLE   0 0 4,972
WISDOMTREE TR INTL SMCAP DIV 97717W760 1,952 32,587 SH   SOLE   0 0 32,587
ISHARES TR CORE S&P TTL STK 464287150 2,021 26,770 SH   SOLE   0 0 26,770
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 493 14,490 SH   SOLE   0 0 14,490
VANGUARD INDEX FDS LARGE CAP ETF 922908637 694 4,438 SH   SOLE   0 0 4,438
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 203 1,125 SH   SOLE   0 0 1,125
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,100 20,711 SH   SOLE   0 0 20,711
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 759 15,038 SH   SOLE   0 0 15,038
ISHARES TR ISHS 1-5YR INVS 464288646 439 8,000 SH   SOLE   0 0 8,000
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 947 11,705 SH   SOLE   0 0 11,705
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,060 74,827 SH   SOLE   0 0 74,827
ISHARES TR ISHS 5-10YR INVT 464288638 958 15,759 SH   SOLE   0 0 15,759
ISHARES TR EAFE SML CP ETF 464288273 882 14,946 SH   SOLE   0 0 14,946
VANGUARD WORLD FD MEGA GRWTH IND 921910816 675 3,640 SH   SOLE   0 0 3,640
VANGUARD WORLD FD MEGA CAP INDEX 921910873 916 7,641 SH   SOLE   0 0 7,641
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 2,204 118,851 SH   SOLE   0 0 118,851
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316 626 5,353 SH   SOLE   0 0 5,353
INVESCO EXCHANGE TRADED FD T S&P500 EQL ENR 46137V365 425 18,893 SH   SOLE   0 0 18,893
SPDR SER TR PORTFOLIO INTRMD 78464A375 1,881 51,179 SH   SOLE   0 0 51,179
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 909 9,489 SH   SOLE   0 0 9,489
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 230 2,882 SH   SOLE   0 0 2,882
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 273 8,680 SH   SOLE   0 0 8,680
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 11,942 144,145 SH   SOLE   0 0 144,145
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 445 3,865 SH   SOLE   0 0 3,865
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 244 4,667 SH   SOLE   0 0 4,667
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 2,059 37,945 SH   SOLE   0 0 37,945
SPDR SER TR PORTFOLIO SHORT 78464A474 12,021 383,202 SH   SOLE   0 0 383,202
TESLA INC COM 88160R101 219 510 SH   SOLE   0 0 510
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 902 6,983 SH   SOLE   0 0 6,983
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 23,638 76,833 SH   SOLE   0 0 76,833
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,964 71,451 SH   SOLE   0 0 71,451
VANGUARD STAR FDS VG TL INTL STK F 921909768 5,501 105,436 SH   SOLE   0 0 105,436
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 731 7,790 SH   SOLE   0 0 7,790
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,593 28,800 SH   SOLE   0 0 28,800
ISHARES TR MSCI USA MIN VOL 46429B697 4,646 72,894 SH   SOLE   0 0 72,894
ISHARES TR MSCI EAFE MIN VL 46429B689 568 8,340 SH   SOLE   0 0 8,340
ISHARES INC CORE MSCI EMKT 46434G103 2,077 39,345 SH   SOLE   0 0 39,345
ISHARES TR CORE MSCI TOTAL 46432F834 3,265 55,962 SH   SOLE   0 0 55,962
ISHARES TR CORE MSCI EAFE 46432F842 7,528 124,885 SH   SOLE   0 0 124,885
ISHARES TR CORE 1 5 YR USD 46432F859 412 8,002 SH   SOLE   0 0 8,002
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 542 13,992 SH   SOLE   0 0 13,992
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 228 4,330 SH   SOLE   0 0 4,330
ISHARES TR 0-5YR INVT GR CP 46434V100 7,882 151,236 SH   SOLE   0 0 151,236
ISHARES TR IBONDS DEC20 ETF 46434VAQ3 328 12,995 SH   SOLE   0 0 12,995
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 318 6,269 SH   SOLE   0 0 6,269
BRISTOL-MYERS SQUIBB CO RIGHT 99/99/9999 110122157 35 15,421 SH   SOLE   0 0 15,421