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
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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
ISHARES TR CORE S&P500 ETF 464287200 28,715 80,065 SH   SOLE   0 0 80,065
AMAZON COM INC COM 023135106 993 8,786 SH   SOLE   0 0 8,786
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 201 753 SH   SOLE   0 0 753
INVESCO QQQ TR UNIT SER 1 46090E103 235 878 SH   SOLE   0 0 878
INTEL CORP COM 458140100 83 3,224 SH   SOLE   0 0 3,224
MICROSOFT CORP COM 594918104 271 1,165 SH   SOLE   0 0 1,165
UNITED PARCEL SERVICE INC CL B 911312106 2,196 13,594 SH   SOLE   0 0 13,594
CITIGROUP INC COM NEW 172967424 215 5,163 SH   SOLE   0 0 5,163
PPG INDS INC COM 693506107 1,568 14,164 SH   SOLE   0 0 14,164
SPDR SER TR S&P 600 SMCP VAL 78464A300 4,516 67,263 SH   SOLE   0 0 67,263
SPDR SER TR S&P 600 SMCP GRW 78464A201 4,211 61,822 SH   SOLE   0 0 61,822
SPDR SER TR PRTFLO S&P500 GW 78464A409 5,984 119,439 SH   SOLE   0 0 119,439
SPDR SER TR PORTFOLI S&P1500 78464A805 1,177 26,680 SH   SOLE   0 0 26,680
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,670 19,751 SH   SOLE   0 0 19,751
BK OF AMERICA CORP COM 060505104 18 600 SH   SOLE   0 0 600
PROCTER AND GAMBLE CO COM 742718109 218 1,730 SH   SOLE   0 0 1,730
INTUIT COM 461202103 628 1,622 SH   SOLE   0 0 1,622
MARSH & MCLENNAN COS INC COM 571748102 463 3,102 SH   SOLE   0 0 3,102
APPLE INC COM 037833100 2,032 14,701 SH   SOLE   0 0 14,701
SPDR SER TR PRTFLO S&P500 VL 78464A508 6,311 182,981 SH   SOLE   0 0 182,981
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,660 72,910 SH   SOLE   0 0 72,910
NORTHROP GRUMMAN CORP COM 666807102 219 465 SH   SOLE   0 0 465
VANGUARD INDEX FDS VALUE ETF 922908744 676 5,475 SH   SOLE   0 0 5,475
VANGUARD INDEX FDS MID CAP ETF 922908629 7,073 37,624 SH   SOLE   0 0 37,624
VANGUARD INDEX FDS SM CP VAL ETF 922908611 883 6,157 SH   SOLE   0 0 6,157
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,207 40,001 SH   SOLE   0 0 40,001
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,937 40,588 SH   SOLE   0 0 40,588
VANGUARD INDEX FDS GROWTH ETF 922908736 672 3,142 SH   SOLE   0 0 3,142
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,175 6,022 SH   SOLE   0 0 6,022
ISHARES TR EAFE VALUE ETF 464288877 5,643 146,466 SH   SOLE   0 0 146,466
ISHARES TR EAFE GRWTH ETF 464288885 4,941 68,089 SH   SOLE   0 0 68,089
SPDR SER TR S&P 400 MDCP VAL 78464A839 4,774 82,573 SH   SOLE   0 0 82,573
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,213 7,111 SH   SOLE   0 0 7,111
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 730 5,994 SH   SOLE   0 0 5,994
SPDR SER TR S&P 400 MDCP GRW 78464A821 4,443 73,614 SH   SOLE   0 0 73,614
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 220 4,956 SH   SOLE   0 0 4,956
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,009 26,847 SH   SOLE   0 0 26,847
VANGUARD BD INDEX FDS INTERMED TERM 921937819 3,312 45,069 SH   SOLE   0 0 45,069
SPDR SER TR PORTFOLIO S&P400 78464A847 30,577 792,964 SH   SOLE   0 0 792,964
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 15,224 490,452 SH   SOLE   0 0 490,452
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 8,454 232,504 SH   SOLE   0 0 232,504
ISHARES TR NATIONAL MUN ETF 464288414 2,769 26,995 SH   SOLE   0 0 26,995
PHILIP MORRIS INTL INC COM 718172109 300 3,614 SH   SOLE   0 0 3,614
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 34,596 1,340,916 SH   SOLE   0 0 1,340,916
SPDR SER TR PORTFOLIO AGRGTE 78464A649 18,446 739,338 SH   SOLE   0 0 739,338
ISHARES TR SHRT NAT MUN ETF 464288158 629 6,128 SH   SOLE   0 0 6,128
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 254 4,396 SH   SOLE   0 0 4,396
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6,221 18,950 SH   SOLE   0 0 18,950
ISHARES TR FLTG RATE NT ETF 46429B655 18,671 371,417 SH   SOLE   0 0 371,417
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 12,090 181,991 SH   SOLE   0 0 181,991
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 20,305 425,403 SH   SOLE   0 0 425,403
SPDR SER TR PORTFOLIO S&P600 78468R853 30,579 897,808 SH   SOLE   0 0 897,808
ARDELYX INC COM 039697107 13 11,000 SH   SOLE   0 0 11,000
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 14,289 396,800 SH   SOLE   0 0 396,800
INTEL CORP COM 458140100 5 15,000 SH Call SOLE   0 0 15,000
MICROSOFT CORP COM 594918104 4 200 SH Call SOLE   0 0 200
BK OF AMERICA CORP COM 060505104 2 5,000 SH Call SOLE   0 0 5,000
BK OF AMERICA CORP COM 060505104 1 10,000 SH Call SOLE   0 0 10,000