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
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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
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,946 19,057 SH   SOLE   19,057 0 0
ISHARES TR CORE S&P500 ETF 464287200 4,956 17,415 SH   SOLE   17,415 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,116 3,950 SH   SOLE   3,950 0 0
ISHARES TR MIN VOL USA ETF 46429B697 4,253 72,322 SH   SOLE   72,322 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,064 34,993 SH   SOLE   34,993 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 4,603 29,426 SH   SOLE   29,426 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 2,759 17,745 SH   SOLE   17,745 0 0
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 1,971 70,806 SH   SOLE   70,806 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 3,999 37,156 SH   SOLE   37,156 0 0
ISHARES TR EDGE MSCI USA VL 46432F388 4,417 55,310 SH   SOLE   55,310 0 0
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846 1,433 50,993 SH   SOLE   50,993 0 0
ARK ETF TR INNOVATION ETF 00214Q104 1,417 30,317 SH   SOLE   30,317 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,007 98,044 SH   SOLE   98,044 0 0
ISHARES TR CORE MSCI EAFE 46432F842 3,750 61,708 SH   SOLE   61,708 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 4,315 86,049 SH   SOLE   86,049 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 4,302 74,086 SH   SOLE   74,086 0 0
ISHARES TR MULTIFACTOR INTL 46434V274 3,796 144,157 SH   SOLE   144,157 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,862 114,398 SH   SOLE   114,398 0 0
ISHARES INC MLT FCTR EMG MKT 46434G889 963 22,534 SH   SOLE   22,534 0 0
ISHARES TR IBONDS DEC21 ETF 46434VBK5 4,284 173,312 SH   SOLE   173,312 0 0
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 3,098 36,908 SH   SOLE   36,908 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 3,909 48,153 SH   SOLE   48,153 0 0
ISHARES TR CORE US AGGBD ET 464287226 4,189 38,409 SH   SOLE   38,409 0 0
ISHARES TR CORE TOTAL USD 46434V613 2,935 57,985 SH   SOLE   57,985 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 3,956 49,709 SH   SOLE   49,709 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,687 58,767 SH   SOLE   58,767 0 0
VANGUARD INDEX FDS SHORT TERM TREAS 92206C102 1,571 26,005 SH   SOLE   26,005 0 0
ISHARES TR IBONDS DEC19 ETF 46434VAU4 552 22,219 SH   SOLE   22,219 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,711 16,847 SH   SOLE   16,847 0 0
SPDR SER TR SPDR BLOOMBERG 78468R663 503 5,490 SH   SOLE   5,490 0 0
ETF SER SOLUTIONS CLEARSHS ULTRA 26922A453 4,876 48,724 SH   SOLE   48,724 0 0