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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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
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,232 33,205 SH   SOLE   0 0 33,205
ISHARES TR S&P 500 VAL ETF 464287408 730 7,214 SH   SOLE   0 0 7,214
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 2,901 98,593 SH   SOLE   0 0 98,593
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 6,093 187,479 SH   SOLE   0 0 187,479
FIRST TR EXCHAN TRADED FD VI FST TR GLB FD 33739H101 1,927 107,497 SH   SOLE   0 0 107,497
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,923 72,701 SH   SOLE   0 0 72,701
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 663 17,403 SH   SOLE   0 0 17,403
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 5,488 202,062 SH   SOLE   0 0 202,062
VANGUARD INDEX FDS SMALL CP ETF 922908751 236 1,787 SH   SOLE   0 0 1,787
SPDR SER TR PORTFOLIO SH TSR 78468R101 9,735 329,099 SH   SOLE   0 0 329,099
SPDR SER TR SPDR BLOOMBERG 78468R663 8,868 96,959 SH   SOLE   0 0 96,959
INVESCO EXCHNG TRADED FD TR FTSE RAFI EMNG 46138E727 1,463 74,015 SH   SOLE   0 0 74,015
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 827 10,616 SH   SOLE   0 0 10,616
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 266 3,571 SH   SOLE   0 0 3,571
ISHARES TR CORE MSCI PAC 46434V696 1,540 30,427 SH   SOLE   0 0 30,427
VANGUARD INDEX FDS GROWTH ETF 922908736 4,254 31,665 SH   SOLE   0 0 31,665
ISHARES TR EAFE SML CP ETF 464288273 362 6,990 SH   SOLE   0 0 6,990
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 802 10,203 SH   SOLE   0 0 10,203
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 636 22,790 SH   SOLE   0 0 22,790
VANGUARD INDEX FDS VALUE ETF 922908744 4,261 43,504 SH   SOLE   0 0 43,504
ISHARES INC MSCI JPN ETF NEW 46434G822 567 11,194 SH   SOLE   0 0 11,194
VANGUARD INDEX FDS SML CP GRW ETF 922908595 403 2,673 SH   SOLE   0 0 2,673
ISHARES TR CRE U S REIT ETF 464288521 2,005 44,700 SH   SOLE   0 0 44,700
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 814 6,804 SH   SOLE   0 0 6,804
SPDR SERIES TRUST BLMBRG BRC INTRM 78464A672 4,307 72,317 SH   SOLE   0 0 72,317
VANGUARD INDEX FDS SM CP VAL ETF 922908611 330 2,891 SH   SOLE   0 0 2,891
VANGUARD INDEX FDS MID CAP ETF 922908629 526 3,804 SH   SOLE   0 0 3,804
AUTOMATIC DATA PROCESSING IN COM 053015103 333 2,537 SH   SOLE   0 0 2,537
FIFTH THIRD BANCORP COM 316773100 211 8,967 SH   SOLE   0 0 8,967
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,756 85,154 SH   SOLE   0 0 85,154
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 10,738 356,286 SH   SOLE   0 0 356,286
SPDR S&P 500 ETF TR TR UNIT 78462F103 429 1,715 SH   SOLE   0 0 1,715
INVESCO ACTIVELY MANAGD ETF OPTIMUM YIELD 46090F100 3,248 215,511 SH   SOLE   0 0 215,511
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 6,428 194,565 SH   SOLE   0 0 194,565
SPDR SER TR PORTFOLIO SM ETF 78468R853 1,486 56,374 SH   SOLE   0 0 56,374
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 2,659 47,112 SH   SOLE   0 0 47,112
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 701 7,362 SH   SOLE   0 0 7,362