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 S&P500 ETF 464287200 8,464 19,687 SH   SOLE   0 0 19,687
SPDR S&P 500 ETF TR TR UNIT 78462F103 359 839 SH   SOLE   0 0 839
ADOBE SYSTEMS INCORPORATED COM 00724F101 599 1,023 SH   SOLE   0 0 1,023
AMAZON COM INC COM 023135106 1,634 475 SH   SOLE   0 0 475
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,100 3,957 SH   SOLE   0 0 3,957
BOEING CO COM 097023105 271 1,130 SH   SOLE   0 0 1,130
INVESCO QQQ TR UNIT SER 1 00461E107 13,494 38,073 SH   SOLE   0 0 38,073
ABBOTT LABS COM 002824100 286 2,471 SH   SOLE   0 0 2,471
ADVANCED MICRO DEVICES INC COM 007903107 235 2,498 SH   SOLE   0 0 2,498
INTEL CORP COM 458140100 326 5,806 SH   SOLE   0 0 5,806
DISNEY WALT CO COM 254687106 329 1,869 SH   SOLE   0 0 1,869
HONEYWELL INTL INC COM 438516106 508 2,318 SH   SOLE   0 0 2,318
JOHNSON & JOHNSON COM 478160104 495 3,005 SH   SOLE   0 0 3,005
LOWES COS INC COM 548661107 202 1,042 SH   SOLE   0 0 1,042
MICROSOFT CORP COM 594918104 2,493 9,203 SH   SOLE   0 0 9,203
UNITED PARCEL SERVICE INC CL B 911312106 478 2,297 SH   SOLE   0 0 2,297
AT&T INC COM 00206R102 352 12,244 SH   SOLE   0 0 12,244
CISCO SYS INC COM 17275R102 736 13,888 SH   SOLE   0 0 13,888
COCA COLA CO COM 191216100 306 5,663 SH   SOLE   0 0 5,663
LOCKHEED MARTIN CORP COM 539830109 311 821 SH   SOLE   0 0 821
PEPSICO INC COM 713448108 202 1,365 SH   SOLE   0 0 1,365
VERIZON COMMUNICATIONS INC COM 92343V104 276 4,920 SH   SOLE   0 0 4,920
BK OF AMERICA CORP COM 060505104 411 9,957 SH   SOLE   0 0 9,957
STARBUCKS CORP COM 855244109 358 3,206 SH   SOLE   0 0 3,206
EXXON MOBIL CORP COM 30231G102 640 10,151 SH   SOLE   0 0 10,151
WALMART INC COM 931142103 819 5,809 SH   SOLE   0 0 5,809
APPLIED MATLS INC COM 038222105 229 1,605 SH   SOLE   0 0 1,605
TEXAS INSTRS INC COM 882508104 202 1,051 SH   SOLE   0 0 1,051
COSTCO WHSL CORP NEW COM 22160K105 937 2,369 SH   SOLE   0 0 2,369
DOMINION ENERGY INC COM 25746U109 244 3,323 SH   SOLE   0 0 3,323
MERCK & CO. INC COM 58933Y105 589 7,576 SH   SOLE   0 0 7,576
MICRON TECHNOLOGY INC COM 595112103 264 3,105 SH   SOLE   0 0 3,105
PROCTER AND GAMBLE CO COM 742718109 217 1,605 SH   SOLE   0 0 1,605
HOME DEPOT INC COM 437076102 2,009 6,299 SH   SOLE   0 0 6,299
MCDONALDS CORP COM 580135101 218 945 SH   SOLE   0 0 945
NIKE INC CL B 654106103 377 2,442 SH   SOLE   0 0 2,442
JPMORGAN CHASE & CO COM 46625H100 801 5,147 SH   SOLE   0 0 5,147
ISHARES TR IBOXX INV CP ETF 464287242 28,126 209,336 SH   SOLE   0 0 209,336
UNITEDHEALTH GROUP INC COM 91324P102 384 958 SH   SOLE   0 0 958
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 467 1,584 SH   SOLE   0 0 1,584
3M CO COM 88579Y101 343 1,727 SH   SOLE   0 0 1,727
COMCAST CORP NEW CL A 20030N101 357 6,261 SH   SOLE   0 0 6,261
VANGUARD INDEX FDS TOTAL STK MKT 922908769 32,589 146,258 SH   SOLE   0 0 146,258
WASTE MGMT INC DEL COM 94106L109 259 1,847 SH   SOLE   0 0 1,847
DUKE ENERGY CORP NEW COM NEW 26441C204 261 2,644 SH   SOLE   0 0 2,644
CSX CORP COM 126408103 233 7,266 SH   SOLE   0 0 7,266
APPLE INC COM 037833100 2,558 18,674 SH   SOLE   0 0 18,674
DICKS SPORTING GOODS INC COM 253393102 206 2,057 SH   SOLE   0 0 2,057
SOUTHERN CO COM 842587107 329 5,431 SH   SOLE   0 0 5,431
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,971 54,706 SH   SOLE   0 0 54,706
PNC FINL SVCS GROUP INC COM 693475105 503 2,637 SH   SOLE   0 0 2,637
NETFLIX INC COM 64110L106 204 386 SH   SOLE   0 0 386
AIR PRODS & CHEMS INC COM 009158106 210 731 SH   SOLE   0 0 731
NVIDIA CORPORATION COM 67066G104 653 816 SH   SOLE   0 0 816
MOODYS CORP COM 615369105 222 612 SH   SOLE   0 0 612
CHURCH & DWIGHT INC COM 171340102 586 6,876 SH   SOLE   0 0 6,876
NOVO-NORDISK A S ADR 670100205 266 3,176 SH   SOLE   0 0 3,176
ALPHABET INC CAP STK CL A 02079K305 999 409 SH   SOLE   0 0 409
VANGUARD INDEX FDS VALUE ETF 922908744 11,104 80,779 SH   SOLE   0 0 80,779
VANGUARD INDEX FDS MID CAP ETF 922908629 11,002 46,355 SH   SOLE   0 0 46,355
VANGUARD INDEX FDS SM CP VAL ETF 922908611 493 2,838 SH   SOLE   0 0 2,838
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 6,873 67,522 SH   SOLE   0 0 67,522
VANGUARD INDEX FDS SMALL CP ETF 922908751 11,686 51,874 SH   SOLE   0 0 51,874
VANGUARD INDEX FDS GROWTH ETF 922908736 3,845 13,406 SH   SOLE   0 0 13,406
MASTERCARD INCORPORATED CL A 57636Q104 1,149 3,148 SH   SOLE   0 0 3,148
VANGUARD INDEX FDS LARGE CAP ETF 922908637 3,819 19,026 SH   SOLE   0 0 19,026
LEIDOS HOLDINGS INC COM 525327102 217 2,148 SH   SOLE   0 0 2,148
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 539 6,555 SH   SOLE   0 0 6,555
VANGUARD BD INDEX FDS INTERMED TERM 921937819 6,315 70,194 SH   SOLE   0 0 70,194
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,578 53,301 SH   SOLE   0 0 53,301
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 9,082 199,595 SH   SOLE   0 0 199,595
ISHARES TR NATIONAL MUN ETF 464288414 6,160 52,556 SH   SOLE   0 0 52,556
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,365 24,662 SH   SOLE   0 0 24,662
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 4,559 165,052 SH   SOLE   0 0 165,052
SPDR SER TR BLOOMBERG BRCLYS 78468R622 6,646 60,442 SH   SOLE   0 0 60,442
VISA INC COM CL A 92826C839 724 3,098 SH   SOLE   0 0 3,098
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 5,634 153,137 SH   SOLE   0 0 153,137
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 15,404 148,673 SH   SOLE   0 0 148,673
TESLA INC COM 88160R101 742 1,091 SH   SOLE   0 0 1,091
VANGUARD STAR FDS VG TL INTL STK F 921909768 9,346 142,295 SH   SOLE   0 0 142,295
FACEBOOK INC CL A 30303M102 634 1,823 SH   SOLE   0 0 1,823
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 413 7,877 SH   SOLE   0 0 7,877
ABBVIE INC COM 00287Y109 372 3,306 SH   SOLE   0 0 3,306
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 12,212 213,875 SH   SOLE   0 0 213,875
ISHARES TR MSCI USA VALUE 46432F388 468 4,452 SH   SOLE   0 0 4,452
ISHARES TR BLACKROCK ULTRA 46434V878 480 9,495 SH   SOLE   0 0 9,495
ALPHABET INC CAP STK CL C 02079K107 569 227 SH   SOLE   0 0 227
PAYPAL HLDGS INC COM 70450Y103 332 1,138 SH   SOLE   0 0 1,138
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 5,856 105,900 SH   SOLE   0 0 105,900
ISHARES TR MSCI INTL VLU FT 46435G409 1,809 70,053 SH   SOLE   0 0 70,053
TWILIO INC CL A 90138F102 417 1,059 SH   SOLE   0 0 1,059
ISHARES TR CORE MSCI INTL 46435G326 6,329 93,833 SH   SOLE   0 0 93,833
TWIST BIOSCIENCE CORP COM 90184D100 213 1,600 SH   SOLE   0 0 1,600
PALANTIR TECHNOLOGIES INC CL A 69608A108 267 10,139 SH   SOLE   0 0 10,139
PALANTIR TECHNOLOGIES INC CL A 69608A108 0 10,000 SH Put SOLE   0 0 10,000