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
Estimated average burden
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 406 2,019 SH   SOLE   0 0 2,019
ISHARES TR MSCI EAFE ETF 464287465 973 14,995 SH   SOLE   0 0 14,995
ISHARES TR RUSSELL 2000 ETF 464287655 11,471 74,929 SH   SOLE   0 0 74,929
ISHARES TR SHORT TREAS BD 464288679 21,926 198,303 SH   SOLE   0 0 198,303
ISHARES TR MIN VOL EAFE ETF 46429B689 19,766 274,522 SH   SOLE   0 0 274,522
ISHARES TR ESG 1 5 YR USD 46435G243 215 8,602 SH   SOLE   0 0 8,602
ISHARES US ETF TR INT RT HDG C B 46431W705 23,054 246,695 SH   SOLE   0 0 246,695
NORTHROP GRUMMAN CORP COM 666807102 258 956 SH   SOLE   0 0 956
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 267 10,282 SH   SOLE   0 0 10,282
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 216 4,299 SH   SOLE   0 0 4,299
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,023 14,242 SH   SOLE   0 0 14,242
SPDR SER TR BLOMBERG BRC INV 78468R200 7,027 228,880 SH   SOLE   0 0 228,880
SPDR SER TR MSCI USA STRTGIC 78468R812 13,051 156,961 SH   SOLE   0 0 156,961
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 1,337 53,183 SH   SOLE   0 0 53,183
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 3,760 81,655 SH   SOLE   0 0 81,655
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 32,806 678,502 SH   SOLE   0 0 678,502
VANGUARD GROUP DIV APP ETF 921908844 16,282 148,507 SH   SOLE   0 0 148,507
VERIZON COMMUNICATIONS INC COM 92343V104 1,559 26,365 SH   SOLE   0 0 26,365