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
ALPHABET INC CAP STK CL A 02079K305 203 116 SH   SOLE   0 0 116
AMAZON COM INC COM 023135106 267 82 SH   SOLE   0 0 82
APPLE INC COM 037833100 1,515 11,420 SH   SOLE   0 0 11,420
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 262 1,132 SH   SOLE   0 0 1,132
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 375 6,670 SH   SOLE   0 0 6,670
ISHARES TR 0-5YR HI YL CP 46434V407 7,427 163,451 SH   SOLE   0 0 163,451
ISHARES TR AGGRES ALLOC ETF 464289859 576 8,978 SH   SOLE   0 0 8,978
ISHARES TR CORE S&P500 ETF 464287200 36,824 98,096 SH   SOLE   0 0 98,096
ISHARES TR GRWT ALLOCAT ETF 464289867 396 7,584 SH   SOLE   0 0 7,584
MARRIOTT INTL INC NEW CL A 571903202 421 3,191 SH   SOLE   0 0 3,191
VANGUARD INDEX FDS MID CAP ETF 922908629 18,773 90,791 SH   SOLE   0 0 90,791
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 9,133 74,963 SH   SOLE   0 0 74,963
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 18,210 196,697 SH   SOLE   0 0 196,697
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 9,745 180,236 SH   SOLE   0 0 180,236
VISA INC COM CL A 92826C839 290 1,325 SH   SOLE   0 0 1,325