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
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,096 13,918 SH   SOLE   0 0 13,918
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,236 20,970 SH   SOLE   0 0 20,970
PPG INDS INC COM 693506107   204 1,600 SH   SOLE   0 0 1,600
CISCO SYS INC COM 17275R102   220 4,610 SH   SOLE   0 0 4,610
UNION PAC CORP COM 907818108   257 1,275 SH   SOLE   0 0 1,275
HOME DEPOT INC COM 437076102   339 1,077 SH   SOLE   0 0 1,077
ARK ETF TR INNOVATION ETF 00214Q104   391 11,554 SH   SOLE   0 0 11,554
CHEVRON CORP NEW COM 166764100   878 5,002 SH   SOLE   0 0 5,002
SPDR S&P 500 ETF TR TR UNIT 78462F103   16,893 43,133 SH   SOLE   0 0 43,133
SPDR SER TR S&P DIVID ETF 78464A763   5,375 42,647 SH   SOLE   0 0 42,647
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,150 41,871 SH   SOLE   0 0 41,871
ISHARES TR S&P MC 400VL ETF 464287705   846 8,096 SH   SOLE   0 0 8,096
EMERSON ELEC CO COM 291011104   245 2,610 SH   SOLE   0 0 2,610
VANGUARD INDEX FDS GROWTH ETF 922908736   2,223 10,011 SH   SOLE   0 0 10,011
VANGUARD INDEX FDS LARGE CAP ETF 922908637   380 2,094 SH   SOLE   0 0 2,094
DOMINION ENERGY INC COM 25746U109   588 9,553 SH   SOLE   0 0 9,553
MERCK & CO INC COM 58933Y105   490 4,504 SH   SOLE   0 0 4,504
EXXON MOBIL CORP COM 30231G102   884 7,878 SH   SOLE   0 0 7,878
WALMART INC COM 931142103   350 2,463 SH   SOLE   0 0 2,463
JPMORGAN CHASE & CO COM 46625H100   245 1,772 SH   SOLE   0 0 1,772
AMERICAN EXPRESS CO COM 025816109   201 1,357 SH   SOLE   0 0 1,357
DISNEY WALT CO COM 254687106   387 3,912 SH   SOLE   0 0 3,912
BALL CORP COM 058498106   756 13,550 SH   SOLE   0 0 13,550
ISHARES TR IBONDS DEC25 ETF 46434VBD1   4,214 172,660 SH   SOLE   0 0 172,660
COSTCO WHSL CORP NEW COM 22160K105   631 1,340 SH   SOLE   0 0 1,340
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   315 1,025 SH   SOLE   0 0 1,025
BANK AMERICA CORP COM 060505104   793 22,460 SH   SOLE   0 0 22,460
INTERNATIONAL BUSINESS MACHS COM 459200101   497 3,577 SH   SOLE   0 0 3,577
MICROSOFT CORP COM 594918104   4,163 17,290 SH   SOLE   0 0 17,290
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,146 36,659 SH   SOLE   0 0 36,659
ISHARES TR U.S. MED DVC ETF 464288810   460 8,700 SH   SOLE   0 0 8,700
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   709 7,143 SH   SOLE   0 0 7,143
PAYPAL HLDGS INC COM 70450Y103   1,102 14,666 SH   SOLE   0 0 14,666
VANGUARD WORLD FDS UTILITIES ETF 92204A876   433 2,859 SH   SOLE   0 0 2,859
ISHARES TR MSCI USA MIN VOL 46429B697   3,009 41,682 SH   SOLE   0 0 41,682
ISHARES TR CORE DIV GRWTH 46434V621   5,596 111,179 SH   SOLE   0 0 111,179
ISHARES TR CORE HIGH DV ETF 46429B663   4,284 41,128 SH   SOLE   0 0 41,128
ISHARES TR CORE S&P500 ETF 464287200   4,243 10,789 SH   SOLE   0 0 10,789
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   3,526 7,734 SH   SOLE   0 0 7,734
ALPHABET INC CAP STK CL A 02079K305   3,883 41,965 SH   SOLE   0 0 41,965
ISHARES TR CORE S&P SCP ETF 464287804   11,700 119,571 SH   SOLE   0 0 119,571
ISHARES TR IBONDS DEC24 ETF 46434VBG4   5,224 213,042 SH   SOLE   0 0 213,042
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   703 8,228 SH   SOLE   0 0 8,228
ISHARES TR PFD AND INCM SEC 464288687   5,062 159,016 SH   SOLE   0 0 159,016
PEPSICO INC COM 713448108   606 3,414 SH   SOLE   0 0 3,414
ISHARES TR IBONDS DEC2026 46435GAA0   1,239 52,656 SH   SOLE   0 0 52,656
SALESFORCE INC COM 79466L302   1,671 11,375 SH   SOLE   0 0 11,375
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   8,213 108,592 SH   SOLE   0 0 108,592
VERIZON COMMUNICATIONS INC COM 92343V104   1,012 25,121 SH   SOLE   0 0 25,121
KINDER MORGAN INC DEL COM 49456B101   1,162 64,312 SH   SOLE   0 0 64,312
VISA INC COM CL A 92826C839   2,696 12,364 SH   SOLE   0 0 12,364
ISHARES TR EXPND TEC SC ETF 464287549   995 3,417 SH   SOLE   0 0 3,417
ORACLE CORP COM 68389X105   332 3,927 SH   SOLE   0 0 3,927
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   1,652 6,759 SH   SOLE   0 0 6,759
AMAZON COM INC COM 023135106   2,587 27,872 SH   SOLE   0 0 27,872
3M CO COM 88579Y101   364 3,110 SH   SOLE   0 0 3,110
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   9,108 181,346 SH   SOLE   0 0 181,346
WELLS FARGO CO NEW COM 949746101   234 5,394 SH   SOLE   0 0 5,394
PROCTER AND GAMBLE CO COM 742718109   753 5,158 SH   SOLE   0 0 5,158
VANGUARD INDEX FDS SML CP GRW ETF 922908595   390 1,850 SH   SOLE   0 0 1,850
VANGUARD INDEX FDS MID CAP ETF 922908629   7,369 35,037 SH   SOLE   0 0 35,037
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,400 18,505 SH   SOLE   0 0 18,505
TESLA INC COM 88160R101   220 1,434 SH   SOLE   0 0 1,434
ISHARES TR TIPS BD ETF 464287176   537 5,015 SH   SOLE   0 0 5,015
PFIZER INC COM 717081103   296 6,113 SH   SOLE   0 0 6,113
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   1,617 8,516 SH   SOLE   0 0 8,516
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   3,245 23,344 SH   SOLE   0 0 23,344
APPLE INC COM 037833100   2,627 18,566 SH   SOLE   0 0 18,566
JOHNSON & JOHNSON COM 478160104   1,424 8,381 SH   SOLE   0 0 8,381
SORRENTO THERAPEUTICS INC COM NEW 83587F202   29 30,000 SH   SOLE   0 0 30,000
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   1,090 4,587 SH   SOLE   0 0 4,587
AMGEN INC COM 031162100   886 3,441 SH   SOLE   0 0 3,441
MASTERCARD INCORPORATED CL A 57636Q104   2,883 8,040 SH   SOLE   0 0 8,040
SPDR GOLD TR GOLD SHS 78463V107   891 5,154 SH   SOLE   0 0 5,154
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,689 5,066 SH   SOLE   0 0 5,066
ISHARES TR IBONDS DEC23 ETF 46434VAX8   5,514 219,866 SH   SOLE   0 0 219,866
RENAISSANCE CAP GREENWICH FD IPO ETF 759937204   348 14,068 SH   SOLE   0 0 14,068
ISHARES TR RUSSELL 3000 ETF 464287689   513 2,324 SH   SOLE   0 0 2,324
DOW INC COM 260557103   485 9,626 SH   SOLE   0 0 9,626
MARRIOTT INTL INC NEW CL A 571903202   410 2,752 SH   SOLE   0 0 2,752
VANGUARD INDEX FDS TOTAL STK MKT 922908769   343 1,792 SH   SOLE   0 0 1,792
UNITED PARCEL SERVICE INC CL B 911312106   1,917 11,030 SH   SOLE   0 0 11,030
CORTEVA INC COM 22052L104   544 9,251 SH   SOLE   0 0 9,251
ISHARES TR RUS 1000 ETF 464287622   436 2,073 SH   SOLE   0 0 2,073
DUPONT DE NEMOURS INC COM 26614N102   602 8,776 SH   SOLE   0 0 8,776
S&P GLOBAL INC COM 78409V104   293 874 SH   SOLE   0 0 874
OMNICOM GROUP INC COM 681919106   639 7,836 SH   SOLE   0 0 7,836
WEBSTER FINL CORP COM 947890109   737 15,575 SH   SOLE   0 0 15,575