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
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,254 29,669 SH   SOLE   0 0 29,669
ISHARES TR S&P 500 VAL ETF 464287408 722 6,095 SH   SOLE   0 0 6,095
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 3,780 110,193 SH   SOLE   0 0 110,193
MICROSOFT CORP COM 594918104 258 1,875 SH   SOLE   0 0 1,875
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 7,874 199,092 SH   SOLE   0 0 199,092
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 708 16,415 SH   SOLE   0 0 16,415
ISHARES TR CORE S&P500 ETF 464287200 465 1,548 SH   SOLE   0 0 1,548
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 2,342 78,128 SH   SOLE   0 0 78,128
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 7,469 235,110 SH   SOLE   0 0 235,110
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853 1,957 63,465 SH   SOLE   0 0 63,465
VANGUARD INDEX FDS SMALL CP ETF 922908751 283 1,787 SH   SOLE   0 0 1,787
ISHARES TR CORE S&P SCP ETF 464287804 206 2,621 SH   SOLE   0 0 2,621
AMAZON COM INC COM 023135106 444 229 SH   SOLE   0 0 229
JPMORGAN CHASE & CO COM 46625H100 227 2,014 SH   SOLE   0 0 2,014
SPDR SERIES TRUST SPDR BLOOMBERG 78468R663 29,918 327,042 SH   SOLE   0 0 327,042
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 605 7,511 SH   SOLE   0 0 7,511
INVESCO EXCHNG TRADED FD TR FTSE RAFI EMNG 46138E727 1,561 71,517 SH   SOLE   0 0 71,517
ISHARES TR RUS MID CAP ETF 464287499 268 4,716 SH   SOLE   0 0 4,716
VANGUARD INDEX FDS GROWTH ETF 922908736 5,079 30,407 SH   SOLE   0 0 30,407
ISHARES TR CORE MSCI PAC 46434V696 1,863 32,810 SH   SOLE   0 0 32,810
ISHARES TR EAFE SML CP ETF 464288273 398 6,799 SH   SOLE   0 0 6,799
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 361 4,012 SH   SOLE   0 0 4,012
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 814 26,765 SH   SOLE   0 0 26,765
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 505 6,272 SH   SOLE   0 0 6,272
VANGUARD INDEX FDS VALUE ETF 922908744 4,973 44,095 SH   SOLE   0 0 44,095
ISHARES INC MSCI JPN ETF NEW 46434G822 607 10,891 SH   SOLE   0 0 10,891
W P CAREY INC COM 92936U109 325 3,937 SH   SOLE   0 0 3,937
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 957 6,301 SH   SOLE   0 0 6,301
VANGUARD INDEX FDS SML CP GRW ETF 922908595 531 2,814 SH   SOLE   0 0 2,814
ISHARES TR CRE U S REIT ETF 464288521 2,371 44,376 SH   SOLE   0 0 44,376
VANGUARD INDEX FDS MID CAP ETF 922908629 655 3,857 SH   SOLE   0 0 3,857
VANGUARD INDEX FDS SM CP VAL ETF 922908611 419 3,188 SH   SOLE   0 0 3,188
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 204 3,622 SH   SOLE   0 0 3,622
AUTOMATIC DATA PROCESSING IN COM 053015103 416 2,537 SH   SOLE   0 0 2,537
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 3,276 90,352 SH   SOLE   0 0 90,352
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 10,888 354,665 SH   SOLE   0 0 354,665
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 3,012 44,546 SH   SOLE   0 0 44,546
SPDR S&P 500 ETF TR TR UNIT 78462F103 575 1,923 SH   SOLE   0 0 1,923
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 739 6,540 SH   SOLE   0 0 6,540
SPDR SERIES TRUST PORTFOLIO SH TSR 78468R101 9,938 331,705 SH   SOLE   0 0 331,705