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
MASTERCARD INCORPORATED CL A 57636Q104 3,401 9,782 SH   SOLE   0 0 9,782
SPDR SER TR PORTFOLIO INTRMD 78464A375 255 6,996 SH   SOLE   0 0 6,996
DISNEY WALT CO COM 254687106 551 3,259 SH   SOLE   0 0 3,259
SELECT SECTOR SPDR TR ENERGY 81369Y506 832 15,975 SH   SOLE   0 0 15,975
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 1,417 11,947 SH   SOLE   0 0 11,947
CVS HEALTH CORP COM 126650100 559 6,592 SH   SOLE   0 0 6,592
AMAZON COM INC COM 023135106 1,097 334 SH   SOLE   0 0 334
APPLE INC COM 037833100 283 2,003 SH   SOLE   0 0 2,003
ISHARES TR MSCI USA MIN VOL 46429B697 410 5,583 SH   SOLE   0 0 5,583
LOWES COS INC COM 548661107 2,510 12,372 SH   SOLE   0 0 12,372
MARTIN MARIETTA MATLS INC COM 573284106 288 844 SH   SOLE   0 0 844
ISHARES TR U.S. MED DVC ETF 464288810 747 11,905 SH   SOLE   0 0 11,905
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,410 14,082 SH   SOLE   0 0 14,082
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 1,504 13,469 SH   SOLE   0 0 13,469
ISHARES TR MSCI USA VALUE 46432F388 1,722 17,102 SH   SOLE   0 0 17,102
ISHARES TR JPMORGAN USD EMG 464288281 924 8,396 SH   SOLE   0 0 8,396
WISDOMTREE TR EM EX ST-OWNED 97717X578 2,189 58,647 SH   SOLE   0 0 58,647
IQVIA HLDGS INC COM 46266C105 2,694 11,247 SH   SOLE   0 0 11,247
ISHARES TR US TREAS BD ETF 46429B267 6,900 260,077 SH   SOLE   0 0 260,077
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 2,563 49,105 SH   SOLE   0 0 49,105
EXXON MOBIL CORP COM 30231G102 2,096 35,627 SH   SOLE   0 0 35,627
VISA INC COM CL A 92826C839 1,554 6,974 SH   SOLE   0 0 6,974
ISHARES TR ISHS 5-10YR INVT 464288638 235 3,906 SH   SOLE   0 0 3,906
LYFT INC CL A COM 55087P104 592 11,050 SH   SOLE   0 0 11,050
SPDR SER TR PORTFOLIO S&P500 78464A854 6,346 125,765 SH   SOLE   0 0 125,765
FACEBOOK INC CL A 30303M102 2,271 6,691 SH   SOLE   0 0 6,691
ROBLOX CORP CL A 771049103 805 10,658 SH   SOLE   0 0 10,658
BERKSHIRE HATHAWAY INC DEL CL A 084670108 411 1 SH   SOLE   0 0 1
ISHARES TR CORE US AGGBD ET 464287226 207 1,805 SH   SOLE   0 0 1,805
ISHARES TR ESG AWR MSCI USA 46435G425 7,179 72,908 SH   SOLE   0 0 72,908
UNITEDHEALTH GROUP INC COM 91324P102 1,202 3,077 SH   SOLE   0 0 3,077
NETFLIX INC COM 64110L106 1,292 2,117 SH   SOLE   0 0 2,117
UBER TECHNOLOGIES INC COM 90353T100 924 20,615 SH   SOLE   0 0 20,615
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,376 16,703 SH   SOLE   0 0 16,703
FIDELITY NATL INFORMATION SV COM 31620M106 639 5,249 SH   SOLE   0 0 5,249
SCHWAB STRATEGIC TR US TIPS ETF 808524870 842 13,462 SH   SOLE   0 0 13,462
LOCKHEED MARTIN CORP COM 539830109 311 900 SH   SOLE   0 0 900
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 5,727 112,181 SH   SOLE   0 0 112,181
MICROSOFT CORP COM 594918104 3,095 10,980 SH   SOLE   0 0 10,980
STARBUCKS CORP COM 855244109 252 2,288 SH   SOLE   0 0 2,288
SPDR GOLD TR GOLD SHS 78463V107 227 1,383 SH   SOLE   0 0 1,383
AMERISOURCEBERGEN CORP COM 03073E105 1,570 13,144 SH   SOLE   0 0 13,144
ANTHEM INC COM 036752103 1,195 3,207 SH   SOLE   0 0 3,207
ALPHABET INC CAP STK CL A 02079K305 4,548 1,701 SH   SOLE   0 0 1,701
CARMAX INC COM 143130102 1,123 8,780 SH   SOLE   0 0 8,780
ISHARES TR FALN ANGLS USD 46435G474 3,435 114,090 SH   SOLE   0 0 114,090
ISHARES TR MBS ETF 464288588 4,683 43,301 SH   SOLE   0 0 43,301
ENBRIDGE INC COM 29250N105 2,366 59,435 SH   SOLE   0 0 59,435
BOOKING HOLDINGS INC COM 09857L108 1,854 781 SH   SOLE   0 0 781
ISHARES TR EAFE VALUE ETF 464288877 3,224 63,393 SH   SOLE   0 0 63,393
ISHARES TR ISHS 1-5YR INVS 464288646 653 11,947 SH   SOLE   0 0 11,947
ISHARES TR BROAD USD HIGH 46435U853 2,415 58,199 SH   SOLE   0 0 58,199
FISERV INC COM 337738108 335 3,089 SH   SOLE   0 0 3,089
ISHARES TR EAFE GRWTH ETF 464288885 2,991 28,094 SH   SOLE   0 0 28,094
ISHARES TR CORE S&P500 ETF 464287200 249 578 SH   SOLE   0 0 578
ISHARES TR MSCI USA MMENTM 46432F396 698 3,974 SH   SOLE   0 0 3,974
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 981 10,389 SH   SOLE   0 0 10,389
ISHARES TR 10+ YR INVST GRD 464289511 1,750 25,260 SH   SOLE   0 0 25,260