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
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 412 2,019 SH   SOLE   0 0 2,019
ISHARES TR MSCI EAFE ETF 464287465 778 13,238 SH   SOLE   0 0 13,238
ISHARES TR RUSSELL 2000 ETF 464287655 9,652 72,086 SH   SOLE   0 0 72,086
ISHARES TR SHORT TREAS BD 464288679 19,077 172,953 SH   SOLE   0 0 172,953
ISHARES TR MIN VOL EAFE ETF 46429B689 18,434 276,534 SH   SOLE   0 0 276,534
ISHARES TR ESG 1 5 YR USD 46435G243 215 8,804 SH   SOLE   0 0 8,804
ISHARES US ETF TR INT RT HDG C B 46431W705 20,981 231,397 SH   SOLE   0 0 231,397
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 258 10,963 SH   SOLE   0 0 10,963
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 214 4,283 SH   SOLE   0 0 4,283
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,583 22,341 SH   SOLE   0 0 22,341
SPDR SER TR BLOMBERG BRC INV 78468R200 2,460 81,001 SH   SOLE   0 0 81,001
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 7,728 339,684 SH   SOLE   0 0 339,684
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 3,579 80,073 SH   SOLE   0 0 80,073
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 33,057 697,836 SH   SOLE   0 0 697,836
VANGUARD GROUP DIV APP ETF 921908844 14,379 146,795 SH   SOLE   0 0 146,795
VERIZON COMMUNICATIONS INC COM 92343V104 1,468 26,104 SH   SOLE   0 0 26,104