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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
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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 INC MSCI JPN ETF NEW 46434G822 607 10,705 SH   SOLE   0 0 10,705
ISHARES TR S&P 500 VAL ETF 464287408 726 6,095 SH   SOLE   0 0 6,095
ISHARES TR CORE S&P500 ETF 464287200 462 1,548 SH   SOLE   0 0 1,548
SPDR S&P 500 ETF TR TR UNIT 78462F103 536 1,805 SH   SOLE   0 0 1,805
AMAZON COM INC COM 023135106 398 229 SH   SOLE   0 0 229
MICROSOFT CORP COM 594918104 316 2,275 SH   SOLE   0 0 2,275
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 7,838 201,549 SH   SOLE   0 0 201,549
ISHARES TR RUS MID CAP ETF 464287499 264 4,716 SH   SOLE   0 0 4,716
AUTOMATIC DATA PROCESSING IN COM 053015103 410 2,537 SH   SOLE   0 0 2,537
NIKE INC CL B 654106103 598 6,372 SH   SOLE   0 0 6,372
JPMORGAN CHASE & CO COM 46625H100 248 2,104 SH   SOLE   0 0 2,104
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 7,673 240,073 SH   SOLE   0 0 240,073
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,078 26,768 SH   SOLE   0 0 26,768
W P CAREY INC COM 92936U109 371 4,147 SH   SOLE   0 0 4,147
VANGUARD INDEX FDS VALUE ETF 922908744 4,891 43,818 SH   SOLE   0 0 43,818
VANGUARD INDEX FDS MID CAP ETF 922908629 797 4,756 SH   SOLE   0 0 4,756
VANGUARD INDEX FDS SM CP VAL ETF 922908611 384 2,982 SH   SOLE   0 0 2,982
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 408 4,371 SH   SOLE   0 0 4,371
VANGUARD INDEX FDS SMALL CP ETF 922908751 341 2,219 SH   SOLE   0 0 2,219
VANGUARD INDEX FDS GROWTH ETF 922908736 5,021 30,197 SH   SOLE   0 0 30,197
VANGUARD INDEX FDS SML CP GRW ETF 922908595 510 2,799 SH   SOLE   0 0 2,799
SPDR SERIES TRUST S&P DIVID ETF 78464A763 208 2,027 SH   SOLE   0 0 2,027
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 919 6,207 SH   SOLE   0 0 6,207
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 732 6,474 SH   SOLE   0 0 6,474
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 505 6,247 SH   SOLE   0 0 6,247
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 5,050 149,021 SH   SOLE   0 0 149,021
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 4,429 129,199 SH   SOLE   0 0 129,199
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 1,025 34,870 SH   SOLE   0 0 34,870
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,338 32,582 SH   SOLE   0 0 32,582
SPDR SERIES TRUST SPDR BLOOMBERG 78468R663 12,894 140,785 SH   SOLE   0 0 140,785
ISHARES TR EAFE SML CP ETF 464288273 386 6,742 SH   SOLE   0 0 6,742
ISHARES TR CRE U S REIT ETF 464288521 2,465 44,381 SH   SOLE   0 0 44,381
INVESCO EXCHNG TRADED FD TR FTSE RAFI EMNG 46138E727 1,093 54,437 SH   SOLE   0 0 54,437
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3,171 108,015 SH   SOLE   0 0 108,015
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 607 7,486 SH   SOLE   0 0 7,486
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 3,731 55,451 SH   SOLE   0 0 55,451
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 11,053 358,266 SH   SOLE   0 0 358,266
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 210 3,622 SH   SOLE   0 0 3,622
SPDR SERIES TRUST PORTFOLIO SH TSR 78468R101 10,034 334,237 SH   SOLE   0 0 334,237
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853 2,511 83,687 SH   SOLE   0 0 83,687
ISHARES TR CORE MSCI PAC 46434V696 2,403 42,751 SH   SOLE   0 0 42,751
ISHARES TR CUR HD EURZN ETF 46434V639 220 7,120 SH   SOLE   0 0 7,120
SPDR SERIES TRUST PRTFLO S&P500 HI 78468R788 5,791 152,470 SH   SOLE   0 0 152,470
ISHARES TR ESG MSCI EAFE 46435G516 255 3,981 SH   SOLE   0 0 3,981
WORLD GOLD TR SPDR GLD MINIS 98149E204 6,182 420,550 SH   SOLE   0 0 420,550