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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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
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   981,282 3,069 SH   SOLE 0 0 0 3,069
BOEING CO COM 097023105   335,847 1,665 SH   SOLE 0 0 0 1,665
CATERPILLAR INC COM 149123101   398,222 1,780 SH   SOLE 0 0 0 1,780
DEERE & CO COM 244199105   1,202,087 3,100 SH   SOLE 0 0 0 3,100
DOMINION ENERGY INC COM 25746U109   201,249 3,474 SH   SOLE 0 0 0 3,474
EXXON MOBIL CORP COM 30231G102   678,428 5,846 SH   SOLE 0 0 0 5,846
ISHARES TR MORNINGSTR US EQ 464287127   4,625,436 81,520 SH   SOLE 0 0 0 81,520
ISHARES TR MRGSTR MD CP ETF 464288208   4,598,450 76,421 SH   SOLE 0 0 0 76,421
ISHARES TR CORE US AGGBD ET 464287226   700,969 7,052 SH   SOLE 0 0 0 7,052
ISHARES TR SHRT NAT MUN ETF 464288158   303,971 2,898 SH   SOLE 0 0 0 2,898
ISHARES TR ESG AWR US AGRGT 46435U549   687,796 14,353 SH   SOLE 0 0 0 14,353
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   204,819 4,076 SH   SOLE 0 0 0 4,076
JOHNSON & JOHNSON COM 478160104   264,349 1,594 SH   SOLE 0 0 0 1,594
KIMBERLY-CLARK CORP COM 494368103   337,557 2,458 SH   SOLE 0 0 0 2,458
MICROSOFT CORP COM 594918104   362,253 1,266 SH   SOLE 0 0 0 1,266
PACER FDS TR US CASH COWS 100 69374H881   481,427 10,053 SH   SOLE 0 0 0 10,053
PEPSICO INC COM 713448108   354,358 1,931 SH   SOLE 0 0 0 1,931
PFIZER INC COM 717081103   1,193,187 28,968 SH   SOLE 0 0 0 28,968
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   3,899,328 39,332 SH   SOLE 0 0 0 39,332
ROYCE VALUE TR INC COM 780910105   207,148 15,575 SH   SOLE 0 0 0 15,575
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,218,664 46,136 SH   SOLE 0 0 0 46,136
SCHWAB STRATEGIC TR US TIPS ETF 808524870   2,378,650 44,519 SH   SOLE 0 0 0 44,519
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   6,832,133 92,853 SH   SOLE 0 0 0 92,853
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,106,239 16,437 SH   SOLE 0 0 0 16,437
SPDR INDEX SHS FDS S&P INTL ETF 78463X772   218,317 6,211 SH   SOLE 0 0 0 6,211
SPDR SER TR S&P DIVID ETF 78464A763   750,160 6,086 SH   SOLE 0 0 0 6,086
SPDR SER TR PORTFLI TIPS ETF 78464A656   296,703 11,243 SH   SOLE 0 0 0 11,243
UNITEDHEALTH GROUP INC COM 91324P102   228,359 446 SH   SOLE 0 0 0 446
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   253,482 3,018 SH   SOLE 0 0 0 3,018
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   18,501,434 251,105 SH   SOLE 0 0 0 251,105
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   245,000 1,830 SH   SOLE 0 0 0 1,830
VANGUARD INDEX FDS TOTAL STK MKT 922908769   578,736 2,822 SH   SOLE 0 0 0 2,822
VANGUARD INDEX FDS VALUE ETF 922908744   4,486,405 31,950 SH   SOLE 0 0 0 31,950
VANGUARD INDEX FDS MID CAP ETF 922908629   2,887,221 13,758 SH   SOLE 0 0 0 13,758
VANGUARD INDEX FDS SM CP VAL ETF 922908611   252,758 1,610 SH   SOLE 0 0 0 1,610
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,786,127 36,127 SH   SOLE 0 0 0 36,127
VANGUARD INDEX FDS GROWTH ETF 922908736   25,744,894 103,443 SH   SOLE 0 0 0 103,443
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   10,852,758 28,636 SH   SOLE 0 0 0 28,636
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   4,033,062 73,974 SH   SOLE 0 0 0 73,974
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   526,427 5,654 SH   SOLE 0 0 0 5,654
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   258,226 5,409 SH   SOLE 0 0 0 5,409
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,501,803 88,618 SH   SOLE 0 0 0 88,618
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   717,844 11,427 SH   SOLE 0 0 0 11,427
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   659,948 9,751 SH   SOLE 0 0 0 9,751
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,226,671 42,317 SH   SOLE 0 0 0 42,317
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   644,145 11,028 SH   SOLE 0 0 0 11,028
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   7,514,493 48,210 SH   SOLE 0 0 0 48,210
VANGUARD STAR FDS VG TL INTL STK F 921909768   258,621 4,592 SH   SOLE 0 0 0 4,592
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   26,603,540 248,469 SH   SOLE 0 0 0 248,469
VANGUARD WORLD FD ESG US STK ETF 921910733   926,159 12,883 SH   SOLE 0 0 0 12,883
VANGUARD WORLD FD ESG INTL STK ETF 921910725   322,067 6,038 SH   SOLE 0 0 0 6,038