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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 1,367 33,015 SH   SOLE   0 0 33,015
ISHARES TR S&P 500 VAL ETF 464287408 824 7,214 SH   SOLE   0 0 7,214
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 4,679 138,522 SH   SOLE   0 0 138,522
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 10,226 272,173 SH   SOLE   0 0 272,173
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 2,957 99,866 SH   SOLE   0 0 99,866
ISHARES TR ESG MSCI EAFE 46435G516 243 3,793 SH   SOLE   0 0 3,793
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 740 17,156 SH   SOLE   0 0 17,156
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 9,804 319,646 SH   SOLE   0 0 319,646
VANGUARD INDEX FDS SMALL CP ETF 922908751 285 1,842 SH   SOLE   0 0 1,842
SPDR SER TR PORTFOLIO SH TSR 78468R101 9,535 321,377 SH   SOLE   0 0 321,377
SPDR SER TR SPDR BLOOMBERG 78468R663 11,822 129,292 SH   SOLE   0 0 129,292
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 620 7,813 SH   SOLE   0 0 7,813
INVESCO EXCHNG TRADED FD TR FTSE RAFI EMNG 46138E727 1,603 73,551 SH   SOLE   0 0 73,551
ISHARES TR RUS MID CAP ETF 464287499 205 3,760 SH   SOLE   0 0 3,760
ISHARES TR CORE MSCI PAC 46434V696 2,205 39,157 SH   SOLE   0 0 39,157
VANGUARD INDEX FDS GROWTH ETF 922908736 5,033 31,821 SH   SOLE   0 0 31,821
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 311 3,577 SH   SOLE   0 0 3,577
ISHARES TR EAFE SML CP ETF 464288273 405 6,958 SH   SOLE   0 0 6,958
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 934 30,380 SH   SOLE   0 0 30,380
VANGUARD INDEX FDS VALUE ETF 922908744 4,750 43,618 SH   SOLE   0 0 43,618
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 523 6,594 SH   SOLE   0 0 6,594
ISHARES INC MSCI JPN ETF NEW 46434G822 616 11,120 SH   SOLE   0 0 11,120
VANGUARD INDEX FDS SML CP GRW ETF 922908595 491 2,708 SH   SOLE   0 0 2,708
W P CAREY INC COM 92936U109 359 4,609 SH   SOLE   0 0 4,609
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 975 6,756 SH   SOLE   0 0 6,756
ISHARES TR CRE U S REIT ETF 464288521 2,254 43,481 SH   SOLE   0 0 43,481
VANGUARD INDEX FDS SM CP VAL ETF 922908611 383 2,929 SH   SOLE   0 0 2,929
VANGUARD INDEX FDS MID CAP ETF 922908629 629 3,867 SH   SOLE   0 0 3,867
AUTOMATIC DATA PROCESSING IN COM 053015103 411 2,537 SH   SOLE   0 0 2,537
FIFTH THIRD BANCORP COM 316773100 235 8,967 SH   SOLE   0 0 8,967
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 10,451 343,224 SH   SOLE   0 0 343,224
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 4,188 115,463 SH   SOLE   0 0 115,463
INVESCO ACTIVELY MANAGD ETF OPTIMUM YIELD 46090F100 6,134 365,961 SH   SOLE   0 0 365,961
SPDR SER TR PORTFOLIO SM ETF 78468R853 2,373 77,540 SH   SOLE   0 0 77,540
SPDR S&P 500 ETF TR TR UNIT 78462F103 560 1,959 SH   SOLE   0 0 1,959
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 3,570 55,056 SH   SOLE   0 0 55,056
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 797 7,293 SH   SOLE   0 0 7,293