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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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   227 537 SH   SOLE   0 0 537
ISHARES TR RUS 1000 GRW ETF 464287614   898 2,393 SH   SOLE   0 0 2,393
SPDR S&P 500 ETF TR TR UNIT 78462F103   50,953 88,806 SH   SOLE   0 0 88,806
AMAZON COM INC COM 023135106   348 1,867 SH   SOLE   0 0 1,867
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   366 796 SH   SOLE   0 0 796
ISHARES TR GLOBAL TECH ETF 464287291   385 4,668 SH   SOLE   0 0 4,668
WALGREENS BOOTS ALLIANCE INC COM 931427108   90 10,000 SH   SOLE   0 0 10,000
PROCTER AND GAMBLE CO COM 742718109   263 1,519 SH   SOLE   0 0 1,519
NORFOLK SOUTHN CORP COM 655844108   829 3,336 SH   SOLE   0 0 3,336
APPLE INC COM 037833100   574 2,465 SH   SOLE   0 0 2,465
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   642 13,415 SH   SOLE   0 0 13,415
NVIDIA CORPORATION COM 67066G104   781 6,434 SH   SOLE   0 0 6,434
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   266 3,736 SH   SOLE   0 0 3,736
ISHARES TR 3 7 YR TREAS BD 464288661   214 1,793 SH   SOLE   0 0 1,793
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   315 5,960 SH   SOLE   0 0 5,960
SPDR SER TR PORTFOLIO S&P500 78464A854   11,234 166,398 SH   SOLE   0 0 166,398
TESLA INC COM 88160R101   377 1,440 SH   SOLE   0 0 1,440
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,010 1,914 SH   SOLE   0 0 1,914
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   205 2,466 SH   SOLE   0 0 2,466
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   19,639 232,336 SH   SOLE   0 0 232,336
ISHARES TR CORE MSCI EAFE 46432F842   24,687 316,293 SH   SOLE   0 0 316,293
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   370 7,232 SH   SOLE   0 0 7,232
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   11,014 150,008 SH   SOLE   0 0 150,008
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   1,466 28,888 SH   SOLE   0 0 28,888
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   24,025 424,696 SH   SOLE   0 0 424,696
VANGUARD MALVERN FDS CORE BD ETF 922020748   13,291 167,833 SH   SOLE   0 0 167,833