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 TR CORE S&P500 ETF 464287200 7,443 19,827 SH   SOLE   0 0 19,827
SPDR S&P 500 ETF TR TR UNIT 78462F103 314 839 SH   SOLE   0 0 839
ADOBE SYSTEMS INCORPORATED COM 00724F101 505 1,009 SH   SOLE   0 0 1,009
AMAZON COM INC COM 023135106 1,554 477 SH   SOLE   0 0 477
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 897 3,867 SH   SOLE   0 0 3,867
INVESCO QQQ TR UNIT SER 1 46090E103 10,761 34,299 SH   SOLE   0 0 34,299
ABBOTT LABS COM 002824100 254 2,322 SH   SOLE   0 0 2,322
ADVANCED MICRO DEVICES INC COM 007903107 229 2,498 SH   SOLE   0 0 2,498
INTEL CORP COM 458140100 312 6,256 SH   SOLE   0 0 6,256
DISNEY WALT CO COM 254687106 323 1,785 SH   SOLE   0 0 1,785
HONEYWELL INTL INC COM 438516106 485 2,280 SH   SOLE   0 0 2,280
JOHNSON & JOHNSON COM 478160104 458 2,911 SH   SOLE   0 0 2,911
MICROSOFT CORP COM 594918104 1,921 8,639 SH   SOLE   0 0 8,639
UNITED PARCEL SERVICE INC CL B 911312106 385 2,285 SH   SOLE   0 0 2,285
AT&T INC COM 00206R102 385 13,404 SH   SOLE   0 0 13,404
CISCO SYS INC COM 17275R102 267 5,973 SH   SOLE   0 0 5,973
COCA COLA CO COM 191216100 256 4,666 SH   SOLE   0 0 4,666
LOCKHEED MARTIN CORP COM 539830109 287 809 SH   SOLE   0 0 809
VERIZON COMMUNICATIONS INC COM 92343V104 270 4,593 SH   SOLE   0 0 4,593
BK OF AMERICA CORP COM 060505104 293 9,682 SH   SOLE   0 0 9,682
STARBUCKS CORP COM 855244109 330 3,087 SH   SOLE   0 0 3,087
EXXON MOBIL CORP COM 30231G102 429 10,396 SH   SOLE   0 0 10,396
WALMART INC COM 931142103 833 5,781 SH   SOLE   0 0 5,781
COSTCO WHSL CORP NEW COM 22160K105 833 2,212 SH   SOLE   0 0 2,212
DOMINION ENERGY INC COM 25746U109 240 3,190 SH   SOLE   0 0 3,190
MERCK & CO. INC COM 58933Y105 617 7,545 SH   SOLE   0 0 7,545
PROCTER AND GAMBLE CO COM 742718109 203 1,460 SH   SOLE   0 0 1,460
HOME DEPOT INC COM 437076102 1,650 6,213 SH   SOLE   0 0 6,213
NIKE INC CL B 654106103 323 2,281 SH   SOLE   0 0 2,281
JPMORGAN CHASE & CO COM 46625H100 628 4,943 SH   SOLE   0 0 4,943
ISHARES TR IBOXX INV CP ETF 464287242 23,284 168,567 SH   SOLE   0 0 168,567
UNITEDHEALTH GROUP INC COM 91324P102 321 914 SH   SOLE   0 0 914
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 389 1,489 SH   SOLE   0 0 1,489
3M CO COM 88579Y101 300 1,715 SH   SOLE   0 0 1,715
COMCAST CORP NEW CL A 20030N101 337 6,423 SH   SOLE   0 0 6,423
VANGUARD INDEX FDS TOTAL STK MKT 922908769 25,332 130,147 SH   SOLE   0 0 130,147
WASTE MGMT INC DEL COM 94106L109 207 1,756 SH   SOLE   0 0 1,756
DUKE ENERGY CORP NEW COM NEW 26441C204 222 2,420 SH   SOLE   0 0 2,420
CSX CORP COM 126408103 217 2,387 SH   SOLE   0 0 2,387
APPLE INC COM 037833100 2,385 17,977 SH   SOLE   0 0 17,977
SOUTHERN CO COM 842587107 325 5,285 SH   SOLE   0 0 5,285
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,718 54,242 SH   SOLE   0 0 54,242
PNC FINL SVCS GROUP INC COM 693475105 393 2,639 SH   SOLE   0 0 2,639
NETFLIX INC COM 64110L106 201 371 SH   SOLE   0 0 371
NVIDIA CORPORATION COM 67066G104 440 842 SH   SOLE   0 0 842
CHURCH & DWIGHT INC COM 171340102 600 6,876 SH   SOLE   0 0 6,876
ALPHABET INC CAP STK CL A 02079K305 659 376 SH   SOLE   0 0 376
VANGUARD INDEX FDS VALUE ETF 922908744 9,596 80,667 SH   SOLE   0 0 80,667
VANGUARD INDEX FDS MID CAP ETF 922908629 8,668 41,923 SH   SOLE   0 0 41,923
VANGUARD INDEX FDS SM CP VAL ETF 922908611 378 2,655 SH   SOLE   0 0 2,655
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,085 59,871 SH   SOLE   0 0 59,871
VANGUARD INDEX FDS SMALL CP ETF 922908751 9,251 47,521 SH   SOLE   0 0 47,521
VANGUARD INDEX FDS GROWTH ETF 922908736 3,888 15,348 SH   SOLE   0 0 15,348
MASTERCARD INCORPORATED CL A 57636Q104 1,113 3,118 SH   SOLE   0 0 3,118
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,371 13,493 SH   SOLE   0 0 13,493
LEIDOS HOLDINGS INC COM 525327102 231 2,198 SH   SOLE   0 0 2,198
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 556 6,704 SH   SOLE   0 0 6,704
VANGUARD BD INDEX FDS INTERMED TERM 921937819 5,907 63,615 SH   SOLE   0 0 63,615
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,497 50,989 SH   SOLE   0 0 50,989
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 7,340 174,103 SH   SOLE   0 0 174,103
ISHARES TR NATIONAL MUN ETF 464288414 5,748 49,042 SH   SOLE   0 0 49,042
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,991 24,549 SH   SOLE   0 0 24,549
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 4,294 148,892 SH   SOLE   0 0 148,892
SPDR SER TR BLOOMBERG BRCLYS 78468R622 6,207 56,974 SH   SOLE   0 0 56,974
VISA INC COM CL A 92826C839 652 2,982 SH   SOLE   0 0 2,982
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 4,481 132,767 SH   SOLE   0 0 132,767
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 12,451 134,487 SH   SOLE   0 0 134,487
TESLA INC COM 88160R101 243 345 SH   SOLE   0 0 345
VANGUARD STAR FDS VG TL INTL STK F 921909768 8,687 144,393 SH   SOLE   0 0 144,393
FACEBOOK INC CL A 30303M102 483 1,768 SH   SOLE   0 0 1,768
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 403 7,877 SH   SOLE   0 0 7,877
ABBVIE INC COM 00287Y109 345 3,217 SH   SOLE   0 0 3,217
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 11,143 190,315 SH   SOLE   0 0 190,315
ISHARES TR MSCI USA VALUE 46432F388 387 4,452 SH   SOLE   0 0 4,452
ISHARES TR BLACKROCK ULTRA 46434V878 786 15,565 SH   SOLE   0 0 15,565
ALPHABET INC CAP STK CL C 02079K107 378 216 SH   SOLE   0 0 216
PAYPAL HLDGS INC COM 70450Y103 236 1,007 SH   SOLE   0 0 1,007
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 5,454 98,823 SH   SOLE   0 0 98,823
ISHARES TR MSCI INTL VLU FT 46435G409 1,585 69,618 SH   SOLE   0 0 69,618
ISHARES TR CORE MSCI INTL 46435G326 5,783 93,833 SH   SOLE   0 0 93,833