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
VANGUARD FINANCIALS ETF ETF 92204A405 1,967 20,374 SH   SOLE   20,374 0 0
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515 2,096 74,096 SH   SOLE   74,096 0 0
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325 2,545 93,448 SH   SOLE   93,448 0 0
ISHARES IBONDS DEC 2022 TERM MUNI BOND ETF ETF 46435G755 2,551 97,914 SH   SOLE   97,914 0 0
ISHARES IBONDS DEC 2022 TERM CORPORATE ETF ETF 46434VBA7 2,596 103,300 SH   SOLE   103,300 0 0
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9 2,639 99,391 SH   SOLE   99,391 0 0
VANGUARD INFORMATION TECHNOLOGY ETF 92204A702 2,728 5,955 SH   SOLE   5,955 0 0
ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283 3,599 133,129 SH   SOLE   133,129 0 0
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0 3,715 142,511 SH   SOLE   142,511 0 0
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF ETF 46434VAX8 4,100 159,734 SH   SOLE   159,734 0 0
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1 4,102 155,289 SH   SOLE   155,289 0 0
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4 4,226 162,989 SH   SOLE   162,989 0 0
ISHARES IBONDS DEC 2026 TERM MUNI BOND ETF ETF 46435U259 4,316 160,616 SH   SOLE   160,616 0 0
VANGUARD SHORT-TERM GOVERNMENT BOND ETF ETF 92206C102 4,679 76,932 SH   SOLE   76,932 0 0
ISHARES IBONDS DEC 2025 TERM MUNI BOND ETF ETF 46435U432 4,693 168,468 SH   SOLE   168,468 0 0
ISHARES IBONDS DEC 2023 TERM MUNI BOND ETF ETF 46435G318 4,710 181,755 SH   SOLE   181,755 0 0
ISHARES IBONDS DEC 2024 TERM MUNI BOND ETF ETF 46435U697 4,932 183,939 SH   SOLE   183,939 0 0
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 5,184 88,708 SH   SOLE   88,708 0 0
VANGUARD COMMUNICATION SERVICES ETF ETF 92204A884 5,398 39,824 SH   SOLE   39,824 0 0
VANGUARD INDUSTRIALS ETF 92204A603 6,083 29,975 SH   SOLE   29,975 0 0
VANGUARD CONSUMER DISCRETIONARY ETF 92204A108 6,458 18,958 SH   SOLE   18,958 0 0
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 7,109 26,685 SH   SOLE   26,685 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 9,721 196,547 SH   SOLE   196,547 0 0
VANGUARD SMALL CAP ETF ETF 922908751 9,967 44,102 SH   SOLE   44,102 0 0
VANGUARD SMALL CAP GROWTH ETF ETF 922908595 10,338 36,687 SH   SOLE   36,687 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611 10,747 60,093 SH   SOLE   60,093 0 0
ISHARES S&P 500 INDEX ETF 464287200 12,450 26,103 SH   SOLE   26,103 0 0
VANGUARD INDEX FDS MID-CAP VALUE INDEX VIPER SHS ETF ETF 922908512 20,832 138,577 SH   SOLE   138,577 0 0
VANGUARD MID CAP ETF 922908629 20,841 81,806 SH   SOLE   81,806 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 21,111 413,457 SH   SOLE   413,457 0 0
VANGUARD MID CAP GROWTH ETF ETF 922908538 22,703 89,166 SH   SOLE   89,166 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 36,317 231,868 SH   SOLE   231,868 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 42,496 507,905 SH   SOLE   507,905 0 0