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
AMAZON COM INC COM 023135106 266 82 SH   SOLE   0 0 82
APPLE INC COM 037833100 1,544 10,908 SH   SOLE   0 0 10,908
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 266 954 SH   SOLE   0 0 954
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 290 4,706 SH   SOLE   0 0 4,706
ISHARES TR 0-5YR HI YL CP 46434V407 8,753 192,924 SH   SOLE   0 0 192,924
ISHARES TR AGGRES ALLOC ETF 464289859 631 9,034 SH   SOLE   0 0 9,034
ISHARES TR CONSER ALLOC ETF 464289883 312 7,931 SH   SOLE   0 0 7,931
ISHARES TR CORE S&P500 ETF 464287200 44,774 102,873 SH   SOLE   0 0 102,873
ISHARES TR GRWT ALLOCAT ETF 464289867 369 6,658 SH   SOLE   0 0 6,658
ISHARES TR MSCI USA ESG SLC 464288802 11,038 113,784 SH   SOLE   0 0 113,784
JANUS DETROIT STR TR HENDERSON MTG 47103U852 11,602 219,103 SH   SOLE   0 0 219,103
MARRIOTT INTL INC NEW CL A 571903202 502 3,191 SH   SOLE   0 0 3,191
VANGUARD INDEX FDS MID CAP ETF 922908629 22,568 93,555 SH   SOLE   0 0 93,555
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 18,875 141,375 SH   SOLE   0 0 141,375
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,575 15,365 SH   SOLE   0 0 15,365
VISA INC COM CL A 92826C839 297 1,325 SH   SOLE   0 0 1,325