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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES S&P MIDCAP FUND ETF 464287507 224 853 SH   SOLE   853 0 0
SCHWAB EMERGING MARKET EQ ETF ETF 808524706 230 7,552 SH   SOLE   7,552 0 0
INVESCO BULLETSHARES 2021 CORPORATE BOND ETF ETF 46138J700 243 11,527 SH   SOLE   11,527 0 0
SCHWAB ETFS- US SMALL-CAP ETF ETF 808524607 246 2,460 SH   SOLE   2,460 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 248 2,623 SH   SOLE   2,623 0 0
VANGUARD REIT INDEX ETF ETF 922908553 251 2,463 SH   SOLE   2,463 0 0
MERCK & CO INC COM Stock 58933Y105 263 3,508 SH   SOLE   3,508 0 0
VANGUARD GROWTH INDEX FUND ETF 922908736 271 934 SH   SOLE   934 0 0
INTEL CORP COM Stock 458140100 284 5,333 SH   SOLE   5,333 0 0
VANGUARD UTILITIES ETF 92204A876 299 2,149 SH   SOLE   2,149 0 0
VANGUARD MATERIALS ETF ETF 92204A801 321 1,853 SH   SOLE   1,853 0 0
SCHWAB US LARGE CAP GROWTH ETF ETF 808524300 338 2,281 SH   SOLE   2,281 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 349 1,273 SH   SOLE   1,273 0 0
VANGUARD ENERGY ETF 92204A306 358 4,838 SH   SOLE   4,838 0 0
AMAZON COM INC COM Stock 023135106 361 110 SH   SOLE   110 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 430 2,628 SH   SOLE   2,628 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 442 2,879 SH   SOLE   2,879 0 0
SCHWAB US MID-CAP ETF ETF 808524508 471 6,144 SH   SOLE   6,144 0 0
MICROSOFT Stock 594918104 646 2,292 SH   SOLE   2,292 0 0
VANGUARD CONSUMER STAPLES INDEX FUND ETF 92204A207 647 3,608 SH   SOLE   3,608 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201 698 6,713 SH   SOLE   6,713 0 0
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 700 8,491 SH   SOLE   8,491 0 0
MCDONALDS CORP COM Stock 580135101 767 3,183 SH   SOLE   3,183 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF 922042718 892 6,673 SH   SOLE   6,673 0 0
VANGUARD TOTAL STK MKT ETF 922908769 1,074 4,838 SH   SOLE   4,838 0 0
APPLE INC Stock 037833100 1,109 7,840 SH   SOLE   7,840 0 0
ISHARES IBONDS DEC 2021 TERM MUNI BOND ETF ETF 46435G789 1,309 51,175 SH   SOLE   51,175 0 0
ISHARES IBONDS DEC 2021 TERM CORPORATE ETF ETF 46434VBK5 1,506 60,901 SH   SOLE   60,901 0 0
VANGUARD FINANCIALS ETF ETF 92204A405 1,862 20,093 SH   SOLE   20,093 0 0
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515 1,930 67,359 SH   SOLE   67,359 0 0
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325 2,332 85,645 SH   SOLE   85,645 0 0
VANGUARD INFORMATION TECHNOLOGY ETF 92204A702 2,392 5,961 SH   SOLE   5,961 0 0
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9 2,414 89,480 SH   SOLE   89,480 0 0
ISHARES IBONDS DEC 2022 TERM CORPORATE ETF ETF 46434VBA7 2,570 101,515 SH   SOLE   101,515 0 0
ISHARES IBONDS DEC 2022 TERM MUNI BOND ETF ETF 46435G755 2,588 98,867 SH   SOLE   98,867 0 0
ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283 3,426 126,851 SH   SOLE   126,851 0 0
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0 3,516 132,673 SH   SOLE   132,673 0 0
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1 3,911 145,671 SH   SOLE   145,671 0 0
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF ETF 46434VAX8 3,920 150,751 SH   SOLE   150,751 0 0
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4 4,022 152,997 SH   SOLE   152,997 0 0
ISHARES IBONDS DEC 2026 TERM MUNI BOND ETF ETF 46435U259 4,057 150,901 SH   SOLE   150,901 0 0
ISHARES IBONDS DEC 2023 TERM MUNI BOND ETF ETF 46435G318 4,605 177,104 SH   SOLE   177,104 0 0
ISHARES IBONDS DEC 2025 TERM MUNI BOND ETF ETF 46435U432 4,652 166,397 SH   SOLE   166,397 0 0
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 4,763 89,876 SH   SOLE   89,876 0 0
ISHARES IBONDS DEC 2024 TERM MUNI BOND ETF ETF 46435U697 4,820 178,919 SH   SOLE   178,919 0 0
VANGUARD SHORT-TERM GOVERNMENT BOND ETF ETF 92206C102 5,106 83,152 SH   SOLE   83,152 0 0
VANGUARD INDUSTRIALS ETF 92204A603 5,386 28,668 SH   SOLE   28,668 0 0
VANGUARD COMMUNICATION SERVICES ETF ETF 92204A884 5,389 38,281 SH   SOLE   38,281 0 0
VANGUARD CONSUMER DISCRETIONARY ETF 92204A108 5,668 18,283 SH   SOLE   18,283 0 0
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 6,314 25,545 SH   SOLE   25,545 0 0
VANGUARD SMALL CAP ETF ETF 922908751 8,970 41,021 SH   SOLE   41,021 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 9,340 186,762 SH   SOLE   186,762 0 0
ISHARES S&P 500 INDEX ETF 464287200 9,462 21,963 SH   SOLE   21,963 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611 9,889 58,425 SH   SOLE   58,425 0 0
VANGUARD SMALL CAP GROWTH ETF ETF 922908595 9,965 35,569 SH   SOLE   35,569 0 0
VANGUARD MID CAP ETF 922908629 18,157 76,690 SH   SOLE   76,690 0 0
VANGUARD INDEX FDS MID-CAP VALUE INDEX VIPER SHS ETF ETF 922908512 18,717 134,065 SH   SOLE   134,065 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 19,853 393,200 SH   SOLE   393,200 0 0
VANGUARD MID CAP GROWTH ETF ETF 922908538 20,593 87,146 SH   SOLE   87,146 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 32,872 226,051 SH   SOLE   226,051 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 36,625 495,530 SH   SOLE   495,530 0 0