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
DISNEY WALT CO COM DISNEY 254687106 240 1,932 SH   SOLE   0 0 1,932
SPDR SER TR PORTFOLIO INTRMD 78464A375 1,659 45,131 SH   SOLE   0 0 45,131
MASTERCARD INCORPORATED CL A 57636Q104 4,042 11,953 SH   SOLE   0 0 11,953
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 312 3,385 SH   SOLE   0 0 3,385
SPDR SER TR SSGA US LRG ETF 78468R804 253 2,331 SH   SOLE   0 0 2,331
ISHARES TR MSCI USA QLT FCT 46432F339 2,478 23,883 SH   SOLE   0 0 23,883
ISHARES TR CORE MSCI PAC 46434V696 209 3,712 SH   SOLE   0 0 3,712
ISHARES TR MSCI USA MIN VOL 46429B697 1,139 17,867 SH   SOLE   0 0 17,867
AMAZON COM INC COM 023135106 1,049 333 SH   SOLE   0 0 333
LOWES COS INC COM 548661107 1,966 11,853 SH   SOLE   0 0 11,853
ISHARES TR MSCI USA SZE FT 46432F370 797 8,505 SH   SOLE   0 0 8,505
ISHARES TR JPMORGAN USD EMG 464288281 3,425 30,883 SH   SOLE   0 0 30,883
ISHARES INC ESG AWR MSCI EM 46434G863 1,483 41,637 SH   SOLE   0 0 41,637
IQVIA HLDGS INC COM 46266C105 1,920 12,180 SH   SOLE   0 0 12,180
ISHARES TR US TREAS BD ETF 46429B267 11,232 401,872 SH   SOLE   0 0 401,872
EXXON MOBIL CORP COM 30231G102 1,360 39,629 SH   SOLE   0 0 39,629
SPDR SER TR PORTFOLIO LN TSR 78464A664 390 8,348 SH   SOLE   0 0 8,348
ISHARES TR BARCLAYS 7 10 YR 464287440 417 3,427 SH   SOLE   0 0 3,427
ISHARES TR AGENCY BOND ETF 464288166 1,192 9,843 SH   SOLE   0 0 9,843
ISHARES INC CORE MSCI EMKT 46434G103 1,013 19,195 SH   SOLE   0 0 19,195
VISA INC COM CL A 92826C839 1,389 6,945 SH   SOLE   0 0 6,945
ISHARES TR ISHS 5-10YR INVT 464288638 5,045 82,959 SH   SOLE   0 0 82,959
SPDR SER TR PORTFOLIO LN COR 78464A367 698 21,968 SH   SOLE   0 0 21,968
FACEBOOK INC CL A 30303M102 1,943 7,419 SH   SOLE   0 0 7,419
LYFT INC CL A COM 55087P104 355 12,892 SH   SOLE   0 0 12,892
ISHARES TR CORE S&P TTL STK 464287150 3,494 46,289 SH   SOLE   0 0 46,289
SPDR SER TR PORTFOLIO S&P500 78464A854 1,701 43,224 SH   SOLE   0 0 43,224
ISHARES TR IBOXX HI YD ETF 464288513 2,026 24,152 SH   SOLE   0 0 24,152
ISHARES TR ESG AWR MSCI USA 46435G425 2,895 37,987 SH   SOLE   0 0 37,987
ISHARES TR CORE US AGGBD ET 464287226 213 1,805 SH   SOLE   0 0 1,805
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,981 23,911 SH   SOLE   0 0 23,911
UNITEDHEALTH GROUP INC COM 91324P102 936 3,003 SH   SOLE   0 0 3,003
UBER TECHNOLOGIES INC COM 90353T100 678 18,598 SH   SOLE   0 0 18,598
ISHARES TR MSCI ACWI ETF 464288257 961 12,021 SH   SOLE   0 0 12,021
ISHARES TR CORE MSCI EAFE 46432F842 2,861 47,455 SH   SOLE   0 0 47,455
MICROSOFT CORP COM 594918104 2,429 11,550 SH   SOLE   0 0 11,550
SPDR GOLD TR GOLD SHS 78463V107 245 1,383 SH   SOLE   0 0 1,383
AMERISOURCEBERGEN CORP COM 03073E105 1,187 12,246 SH   SOLE   0 0 12,246
ISHARES TR MBS ETF 464288588 4,404 39,893 SH   SOLE   0 0 39,893
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 7,675 153,158 SH   SOLE   0 0 153,158
CARMAX INC COM 143130102 703 7,651 SH   SOLE   0 0 7,651
ANTHEM INC COM 036752103 898 3,345 SH   SOLE   0 0 3,345
ALPHABET INC CAP STK CL A 02079K305 2,867 1,956 SH   SOLE   0 0 1,956
BOOKING HOLDINGS INC COM 09857L108 1,268 741 SH   SOLE   0 0 741
ENBRIDGE INC COM 29250N105 1,156 39,591 SH   SOLE   0 0 39,591
ALPHABET INC CAP STK CL C 02079K107 926 630 SH   SOLE   0 0 630
ISHARES TR ISHS 1-5YR INVS 464288646 1,605 29,233 SH   SOLE   0 0 29,233
ISHARES TR BROAD USD HIGH 46435U853 766 19,412 SH   SOLE   0 0 19,412
ISHARES TR 20 YR TR BD ETF 464287432 1,638 10,032 SH   SOLE   0 0 10,032
ISHARES TR CORE S&P500 ETF 464287200 5,274 15,694 SH   SOLE   0 0 15,694
ISHARES TR GLOBAL TECH ETF 464287291 1,179 4,470 SH   SOLE   0 0 4,470
ISHARES TR 0-5YR HI YL CP 46434V407 4,024 91,565 SH   SOLE   0 0 91,565
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,947 20,327 SH   SOLE   0 0 20,327