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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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
ISHARES TR CORE US AGGBD ET 464287226 18,743 158,582 SH   SOLE   0 0 158,582
ISHARES TR AGGRES ALLOC ETF 464289859 3,805 59,288 SH   SOLE   0 0 59,288
ISHARES TR GRWT ALLOCAT ETF 464289867 3,882 74,374 SH   SOLE   0 0 74,374
ISHARES TR MODERT ALLOC ETF 464289875 1,311 30,343 SH   SOLE   0 0 30,343
ISHARES TR CORE S&P SCP ETF 464287804 14,657 159,493 SH   SOLE   0 0 159,493
ISHARES TR CORE S&P500 ETF 464287200 27,659 73,681 SH   SOLE   0 0 73,681
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 251 4,484 SH   SOLE   0 0 4,484
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 20,607 248,572 SH   SOLE   0 0 248,572
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 247 4,213 SH   SOLE   0 0 4,213
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 8,864 104,363 SH   SOLE   0 0 104,363
VYNE THERAPEUTICS INC COM NEW 92941V100 39 24,855 SH   SOLE   0 0 24,855