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 1,888 20,223 SH   SOLE   20,223 0 0
ISHARES S&P 500 INDEX ETF 464287200 11,567 25,496 SH   SOLE   25,496 0 0
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 6,928 27,238 SH   SOLE   27,238 0 0
VANGUARD INDUSTRIALS ETF 92204A603 6,034 31,033 SH   SOLE   31,033 0 0
VANGUARD SMALL CAP GROWTH ETF ETF 922908595 9,909 39,938 SH   SOLE   39,938 0 0
VANGUARD COMMUNICATION SERVICES ETF ETF 92204A884 5,110 42,569 SH   SOLE   42,569 0 0
VANGUARD SMALL CAP ETF ETF 922908751 9,449 44,466 SH   SOLE   44,466 0 0
VANGUARD SHORT-TERM GOVERNMENT BOND ETF ETF 92206C102 3,087 52,100 SH   SOLE   52,100 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611 11,077 62,959 SH   SOLE   62,959 0 0
VANGUARD MID CAP ETF 922908629 19,493 81,959 SH   SOLE   81,959 0 0
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515 2,253 85,563 SH   SOLE   85,563 0 0
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 4,962 89,277 SH   SOLE   89,277 0 0
ISHARES IBONDS DEC 2022 TERM MUNI BOND ETF ETF 46435G755 2,327 89,791 SH   SOLE   89,791 0 0
ISHARES IBONDS DEC 2022 TERM CORPORATE ETF ETF 46434VBA7 2,334 93,246 SH   SOLE   93,246 0 0
VANGUARD MID CAP GROWTH ETF ETF 922908538 21,132 94,847 SH   SOLE   94,847 0 0
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9 2,826 113,314 SH   SOLE   113,314 0 0
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325 3,072 120,618 SH   SOLE   120,618 0 0
VANGUARD INDEX FDS MID-CAP VALUE INDEX VIPER SHS ETF ETF 922908512 21,724 145,149 SH   SOLE   145,149 0 0
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0 3,705 150,315 SH   SOLE   150,315 0 0
ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283 4,019 158,061 SH   SOLE   158,061 0 0
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1 4,118 163,107 SH   SOLE   163,107 0 0
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF ETF 46434VAX8 4,192 165,832 SH   SOLE   165,832 0 0
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4 4,240 168,944 SH   SOLE   168,944 0 0
ISHARES IBONDS DEC 2026 TERM MUNI BOND ETF ETF 46435U259 4,539 177,963 SH   SOLE   177,963 0 0
ISHARES IBONDS DEC 2025 TERM MUNI BOND ETF ETF 46435U432 5,111 191,719 SH   SOLE   191,719 0 0
ISHARES IBONDS DEC 2023 TERM MUNI BOND ETF ETF 46435G318 5,178 203,316 SH   SOLE   203,316 0 0
ISHARES IBONDS DEC 2024 TERM MUNI BOND ETF ETF 46435U697 5,309 204,245 SH   SOLE   204,245 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 9,729 210,917 SH   SOLE   210,917 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 37,307 239,578 SH   SOLE   239,578 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 20,948 436,147 SH   SOLE   436,147 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 40,028 524,077 SH   SOLE   524,077 0 0