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
SPDR SER TR PORTFOLIO INTRMD 78464A375 1,847 50,965 SH   SOLE   0 0 50,965
VOYA PRIME RATE TR SH BEN INT 92913A100 514 110,879 SH   SOLE   0 0 110,879
SPDR S&P 500 ETF TR TR UNIT 78462F103 513 1,294 SH   SOLE   0 0 1,294
VANGUARD INDEX FDS LARGE CAP ETF 922908637 784 4,230 SH   SOLE   0 0 4,230
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,883 79,063 SH   SOLE   0 0 79,063
MERCK & CO. INC COM 58933Y105 8,845 114,738 SH   SOLE   0 0 114,738
APPLE INC COM 037833100 2,354 19,272 SH   SOLE   0 0 19,272
ISHARES TR MSCI USA MIN VOL 46429B697 4,691 67,795 SH   SOLE   0 0 67,795
ISHARES TR EAFE SML CP ETF 464288273 726 10,102 SH   SOLE   0 0 10,102
VANGUARD INDEX FDS GROWTH ETF 922908736 9,554 37,168 SH   SOLE   0 0 37,168
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 701 7,063 SH   SOLE   0 0 7,063
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 422 9,895 SH   SOLE   0 0 9,895
NIKE INC CL B 654106103 240 1,809 SH   SOLE   0 0 1,809
ISHARES TR CORE MSCI TOTAL 46432F834 3,618 51,483 SH   SOLE   0 0 51,483
ISHARES TR CORE S&P SCP ETF 464287804 3,996 36,816 SH   SOLE   0 0 36,816
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316 625 4,007 SH   SOLE   0 0 4,007
TEMPLETON GLOBAL INCOME FD COM 880198106 344 64,743 SH   SOLE   0 0 64,743
VANGUARD INDEX FDS VALUE ETF 922908744 7,303 55,557 SH   SOLE   0 0 55,557
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 576 9,494 SH   SOLE   0 0 9,494
VANGUARD STAR FDS VG TL INTL STK F 921909768 6,592 105,137 SH   SOLE   0 0 105,137
ISHARES INC CORE MSCI EMKT 46434G103 2,220 34,488 SH   SOLE   0 0 34,488
MARRIOTT VACTINS WORLDWID CO COM 57164Y107 207 1,190 SH   SOLE   0 0 1,190
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 643 2,517 SH   SOLE   0 0 2,517
PGIM ETF TR ULTRA SHORT 69344A107 2,711 54,388 SH   SOLE   0 0 54,388
VANGUARD INDEX FDS SML CP GRW ETF 922908595 283 1,031 SH   SOLE   0 0 1,031
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 421 4,579 SH   SOLE   0 0 4,579
VANGUARD INDEX FDS MID CAP ETF 922908629 9,615 43,439 SH   SOLE   0 0 43,439
ISHARES TR ISHS 5-10YR INVT 464288638 843 14,232 SH   SOLE   0 0 14,232
LABORATORY CORP AMER HLDGS COM NEW 50540R409 4,156 16,294 SH   SOLE   0 0 16,294
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 331 8,805 SH   SOLE   0 0 8,805
ISHARES TR RUS 1000 VAL ETF 464287598 346 2,281 SH   SOLE   0 0 2,281
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 418 3,218 SH   SOLE   0 0 3,218
ISHARES TR CORE S&P TTL STK 464287150 2,019 22,041 SH   SOLE   0 0 22,041
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 1,400 7,040 SH   SOLE   0 0 7,040
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 2,289 42,887 SH   SOLE   0 0 42,887
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,503 7,019 SH   SOLE   0 0 7,019
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 720 13,929 SH   SOLE   0 0 13,929
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 365 2,747 SH   SOLE   0 0 2,747
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,134 29,270 SH   SOLE   0 0 29,270
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 2,018 104,306 SH   SOLE   0 0 104,306
VANGUARD INDEX FDS TOTAL STK MKT 922908769 796 3,851 SH   SOLE   0 0 3,851
VANGUARD WORLD FD MEGA CAP INDEX 921910873 987 7,042 SH   SOLE   0 0 7,042
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 22,753 62,456 SH   SOLE   0 0 62,456
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,095 10,829 SH   SOLE   0 0 10,829
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,569 19,049 SH   SOLE   0 0 19,049
TESLA INC COM 88160R101 334 500 SH   SOLE   0 0 500
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 10,132 122,807 SH   SOLE   0 0 122,807
ISHARES TR S&P MC 400GR ETF 464287606 215 2,747 SH   SOLE   0 0 2,747
VANGUARD WORLD FD MEGA GRWTH IND 921910816 516 2,491 SH   SOLE   0 0 2,491
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 761 5,017 SH   SOLE   0 0 5,017
ISHARES TR RUS 1000 ETF 464287622 773 3,454 SH   SOLE   0 0 3,454
ISHARES TR RUS 1000 GRW ETF 464287614 1,568 6,452 SH   SOLE   0 0 6,452
ISHARES TR CORE S&P MCP ETF 464287507 5,230 20,095 SH   SOLE   0 0 20,095
MICROSOFT CORP COM 594918104 208 883 SH   SOLE   0 0 883
ISHARES TR CORE MSCI EAFE 46432F842 5,386 74,759 SH   SOLE   0 0 74,759
ISHARES TR RUSSELL 2000 ETF 464287655 378 1,710 SH   SOLE   0 0 1,710
ISHARES TR S&P 500 VAL ETF 464287408 780 5,525 SH   SOLE   0 0 5,525
SPDR GOLD TR GOLD SHS 78463V107 222 1,388 SH   SOLE   0 0 1,388
ISHARES TR S&P MC 400VL ETF 464287705 430 4,215 SH   SOLE   0 0 4,215
WISDOMTREE TR INTL SMCAP DIV 97717W760 1,928 26,688 SH   SOLE   0 0 26,688
MARRIOTT INTL INC NEW CL A 571903202 958 6,465 SH   SOLE   0 0 6,465
ISHARES INC MSCI EQUAL WEITE 464286681 515 6,572 SH   SOLE   0 0 6,572
SPDR SER TR PORTFOLIO SHORT 78464A474 8,443 269,655 SH   SOLE   0 0 269,655
ISHARES TR ISHS 1-5YR INVS 464288646 855 15,638 SH   SOLE   0 0 15,638
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 536 10,305 SH   SOLE   0 0 10,305
INVESCO EXCHANGE TRADED FD T S&P500 EQL ENR 46137V365 548 13,606 SH   SOLE   0 0 13,606
ISHARES TR CORE S&P500 ETF 464287200 38,662 97,185 SH   SOLE   0 0 97,185
SPDR SER TR S&P DIVID ETF 78464A763 1,816 15,386 SH   SOLE   0 0 15,386
ISHARES TR 0-5YR INVT GR CP 46434V100 6,991 135,018 SH   SOLE   0 0 135,018
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 424 4,555 SH   SOLE   0 0 4,555
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 242 1,128 SH   SOLE   0 0 1,128
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,968 66,747 SH   SOLE   0 0 66,747
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,012 12,150 SH   SOLE   0 0 12,150
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 305 4,667 SH   SOLE   0 0 4,667