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
SPDR S&P 500 ETF TR TR UNIT 78462F103 333 839 SH   SOLE   0 0 839
ISHARES TR NATIONAL MUN ETF 464288414 5,972 51,458 SH   SOLE   0 0 51,458
DISNEY WALT CO COM 254687106 343 1,858 SH   SOLE   0 0 1,858
MICRON TECHNOLOGY INC COM 595112103 272 3,084 SH   SOLE   0 0 3,084
MASTERCARD INCORPORATED CL A 57636Q104 1,115 3,131 SH   SOLE   0 0 3,131
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 13,712 140,942 SH   SOLE   0 0 140,942
ABBOTT LABS COM 002824100 285 2,375 SH   SOLE   0 0 2,375
CHURCH & DWIGHT INC COM 171340102 601 6,876 SH   SOLE   0 0 6,876
BK OF AMERICA CORP COM 060505104 384 9,930 SH   SOLE   0 0 9,930
COSTCO WHSL CORP NEW COM 22160K105 846 2,401 SH   SOLE   0 0 2,401
VANGUARD INDEX FDS LARGE CAP ETF 922908637 3,076 16,599 SH   SOLE   0 0 16,599
SPDR SER TR BLOOMBERG BRCLYS 78468R622 6,362 58,471 SH   SOLE   0 0 58,471
AT&T INC COM 00206R102 412 13,624 SH   SOLE   0 0 13,624
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 444 1,609 SH   SOLE   0 0 1,609
NOVO-NORDISK A S ADR 670100205 210 3,121 SH   SOLE   0 0 3,121
APPLE INC COM 037833100 2,258 18,485 SH   SOLE   0 0 18,485
AMAZON COM INC COM 023135106 1,470 475 SH   SOLE   0 0 475
SOUTHWEST AIRLS CO COM 844741108 225 3,686 SH   SOLE   0 0 3,686
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 4,172 155,829 SH   SOLE   0 0 155,829
MERCK & CO. INC COM 58933Y105 583 7,564 SH   SOLE   0 0 7,564
PROCTER AND GAMBLE CO COM 742718109 213 1,575 SH   SOLE   0 0 1,575
BOEING CO COM 097023105 321 1,260 SH   SOLE   0 0 1,260
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 538 6,549 SH   SOLE   0 0 6,549
VANGUARD INDEX FDS GROWTH ETF 922908736 3,633 14,135 SH   SOLE   0 0 14,135
DUKE ENERGY CORP NEW COM NEW 26441C204 250 2,595 SH   SOLE   0 0 2,595
TWILIO INC CL A 90138F102 361 1,059 SH   SOLE   0 0 1,059
NIKE INC CL B 654106103 317 2,385 SH   SOLE   0 0 2,385
INTEL CORP COM 458140100 372 5,806 SH   SOLE   0 0 5,806
WALMART INC COM 931142103 785 5,781 SH   SOLE   0 0 5,781
ISHARES TR MSCI USA VALUE 46432F388 456 4,452 SH   SOLE   0 0 4,452
JPMORGAN CHASE & CO COM 46625H100 765 5,023 SH   SOLE   0 0 5,023
COMCAST CORP NEW CL A 20030N101 339 6,259 SH   SOLE   0 0 6,259
CISCO SYS INC COM 17275R102 720 13,926 SH   SOLE   0 0 13,926
EXXON MOBIL CORP COM 30231G102 587 10,509 SH   SOLE   0 0 10,509
LEIDOS HOLDINGS INC COM 525327102 207 2,148 SH   SOLE   0 0 2,148
ABBVIE INC COM 00287Y109 356 3,287 SH   SOLE   0 0 3,287
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,009 3,948 SH   SOLE   0 0 3,948
VANGUARD STAR FDS VG TL INTL STK F 921909768 8,925 142,345 SH   SOLE   0 0 142,345
VANGUARD INDEX FDS VALUE ETF 922908744 10,615 80,744 SH   SOLE   0 0 80,744
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,851 63,691 SH   SOLE   0 0 63,691
VISA INC COM CL A 92826C839 650 3,072 SH   SOLE   0 0 3,072
ISHARES TR IBOXX INV CP ETF 464287242 24,794 190,653 SH   SOLE   0 0 190,653
PALANTIR TECHNOLOGIES INC CL A 69608A108 236 10,129 SH   SOLE   0 0 10,129
VANGUARD INDEX FDS MID CAP ETF 922908629 9,722 43,924 SH   SOLE   0 0 43,924
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,379 51,693 SH   SOLE   0 0 51,693
VANGUARD INDEX FDS SMALL CP ETF 922908751 10,571 49,377 SH   SOLE   0 0 49,377
ISHARES TR BLACKROCK ULTRA 46434V878 509 10,067 SH   SOLE   0 0 10,067
FACEBOOK INC CL A 30303M102 535 1,817 SH   SOLE   0 0 1,817
VANGUARD INDEX FDS TOTAL STK MKT 922908769 28,662 138,671 SH   SOLE   0 0 138,671
ISHARES TR CORE MSCI INTL 46435G326 6,062 93,833 SH   SOLE   0 0 93,833
PNC FINL SVCS GROUP INC COM 693475105 468 2,669 SH   SOLE   0 0 2,669
HOME DEPOT INC COM 437076102 1,916 6,276 SH   SOLE   0 0 6,276
COCA COLA CO COM 191216100 296 5,606 SH   SOLE   0 0 5,606
INVESCO QQQ TR UNIT SER 1 00461E107 11,482 35,979 SH   SOLE   0 0 35,979
TESLA INC COM 88160R101 731 1,095 SH   SOLE   0 0 1,095
LOCKHEED MARTIN CORP COM 539830109 314 850 SH   SOLE   0 0 850
UNITEDHEALTH GROUP INC COM 91324P102 350 942 SH   SOLE   0 0 942
SOUTHERN CO COM 842587107 337 5,418 SH   SOLE   0 0 5,418
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,173 24,714 SH   SOLE   0 0 24,714
CSX CORP COM 126408103 234 2,422 SH   SOLE   0 0 2,422
3M CO COM 88579Y101 330 1,715 SH   SOLE   0 0 1,715
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 406 7,877 SH   SOLE   0 0 7,877
VERIZON COMMUNICATIONS INC COM 92343V104 277 4,768 SH   SOLE   0 0 4,768
NVIDIA CORPORATION COM 67066G104 435 814 SH   SOLE   0 0 814
WASTE MGMT INC DEL COM 94106L109 239 1,856 SH   SOLE   0 0 1,856
PALANTIR TECHNOLOGIES INC CL A 69608A108 1 10,000 SH Put SOLE   0 0 10,000
STARBUCKS CORP COM 855244109 348 3,185 SH   SOLE   0 0 3,185
DOMINION ENERGY INC COM 25746U109 249 3,275 SH   SOLE   0 0 3,275
MICROSOFT CORP COM 594918104 2,149 9,114 SH   SOLE   0 0 9,114
ADOBE SYSTEMS INCORPORATED COM 00724F101 488 1,026 SH   SOLE   0 0 1,026
MCDONALDS CORP COM 580135101 209 931 SH   SOLE   0 0 931
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 8,136 185,838 SH   SOLE   0 0 185,838
ALPHABET INC CAP STK CL A 02079K305 833 404 SH   SOLE   0 0 404
APPLIED MATLS INC COM 038222105 210 1,575 SH   SOLE   0 0 1,575
ALPHABET INC CAP STK CL C 02079K107 463 224 SH   SOLE   0 0 224
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 5,027 142,165 SH   SOLE   0 0 142,165
HONEYWELL INTL INC COM 438516106 504 2,320 SH   SOLE   0 0 2,320
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,830 54,376 SH   SOLE   0 0 54,376
ISHARES TR CORE S&P500 ETF 464287200 7,857 19,749 SH   SOLE   0 0 19,749
UNITED PARCEL SERVICE INC CL B 911312106 397 2,335 SH   SOLE   0 0 2,335
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 11,674 204,375 SH   SOLE   0 0 204,375
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 5,642 103,263 SH   SOLE   0 0 103,263
VANGUARD BD INDEX FDS INTERMED TERM 921937819 6,014 67,784 SH   SOLE   0 0 67,784
PAYPAL HLDGS INC COM 70450Y103 272 1,121 SH   SOLE   0 0 1,121
AIR PRODS & CHEMS INC COM 009158106 206 731 SH   SOLE   0 0 731
JOHNSON & JOHNSON COM 478160104 489 2,978 SH   SOLE   0 0 2,978
VANGUARD INDEX FDS SM CP VAL ETF 922908611 470 2,838 SH   SOLE   0 0 2,838
ISHARES TR MSCI INTL VLU FT 46435G409 1,761 69,618 SH   SOLE   0 0 69,618