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 275 82 SH   SOLE   0 0 82
APPLE INC COM 037833100 1,956 10,885 SH   SOLE   0 0 10,885
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 294 954 SH   SOLE   0 0 954
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 320 4,706 SH   SOLE   0 0 4,706
ISHARES TR 0-5YR HI YL CP 46434V407 9,526 210,559 SH   SOLE   0 0 210,559
ISHARES TR AGGRES ALLOC ETF 464289859 546 7,462 SH   SOLE   0 0 7,462
ISHARES TR CONSER ALLOC ETF 464289883 316 7,931 SH   SOLE   0 0 7,931
ISHARES TR CORE S&P500 ETF 464287200 50,813 105,931 SH   SOLE   0 0 105,931
ISHARES TR GRWT ALLOCAT ETF 464289867 382 6,685 SH   SOLE   0 0 6,685
ISHARES TR MSCI USA ESG SLC 464288802 12,787 120,469 SH   SOLE   0 0 120,469
JANUS DETROIT STR TR HENDERSON MTG 47103U852 12,273 233,408 SH   SOLE   0 0 233,408
MARRIOTT INTL INC NEW CL A 571903202 536 3,191 SH   SOLE   0 0 3,191
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 298 3,535 SH   SOLE   0 0 3,535
VANGUARD INDEX FDS MID CAP ETF 922908629 24,427 96,472 SH   SOLE   0 0 96,472
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 20,164 149,937 SH   SOLE   0 0 149,937
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 973 9,006 SH   SOLE   0 0 9,006
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 440 8,014 SH   SOLE   0 0 8,014
VISA INC COM CL A 92826C839 295 1,325 SH   SOLE   0 0 1,325