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
AMAZON COM INC COM COM 023135106 596 183 SH   SOLE NONE 0 0 183
INVESCO QQQ TRUST UNIT SER 1 46090E103 13,181 36,358 SH   SOLE NONE 0 0 36,358
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 292 1,284 SH   SOLE NONE 0 0 1,284
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 433 11,814 SH   SOLE NONE 0 0 5,907
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND SHRT TRM CORP BD 92206C409 732 9,377 SH   SOLE NONE 0 0 9,377
SPDR S&P MIDCAP 400 ETF UTSER1 S&PDCRP 78467Y107 1,961 3,998 SH   SOLE NONE 0 0 3,998
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357 4,946 31,363 SH   SOLE NONE 0 0 31,363
VANGUARD FTSE PACIFIC ETF FTSE PACIFIC ETF 922042866 512 6,920 SH   SOLE NONE 0 0 6,920
ISHARES MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL 46429B697 12,142 156,535 SH   SOLE NONE 0 0 156,535
VANECK MORNINGSTAR WIDE MOAT ETF MORNINGSTAR WIDE 92189F643 11,835 158,445 SH   SOLE NONE 0 0 158,444
INVESCO S&P 500 TOP 50 ETF S&P 500 TOP 50 46137V233 760 2,164 SH   SOLE NONE 0 0 2,164
ISHARES GLOBAL CONSUMER STAPLES ETF GLB CNSM STP ETF 464288737 329 5,301 SH   SOLE NONE 0 0 5,301
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 6,592 118,683 SH   SOLE NONE 0 0 118,683
VANGUARD TOTAL BOND MARKET INDEX FUND TOTAL BND MRKT 921937835 8,179 102,838 SH   SOLE NONE 0 0 102,838
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND INTERMED TERM 921937819 10,683 130,441 SH   SOLE NONE 0 0 130,441
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 7,373 89,601 SH   SOLE NONE 0 0 89,601
BLACKROCK SHORT MATURITY BOND ETF BLACKROCK ST MAT 46431W507 1,175 23,710 SH   SOLE NONE 0 0 23,710
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 2,073 4,570 SH   SOLE NONE 0 0 4,570
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF PORTFOLI S&P1500 78464A805 220 3,967 SH   SOLE NONE 0 0 3,967
VANGUARD HIGH DIVIDEND YIELD ETF HIGH DIV YLD 921946406 10,218 91,035 SH   SOLE NONE 0 0 91,035
VANGUARD DIVIDEND APPRECIATION INDEX FUND DIV APP ETF 921908844 1,424 8,785 SH   SOLE NONE 0 0 8,785
ISHARES S&P MID-CAP 400 GROWTH ETF S&P MC 400GR ETF 464287606 2,390 30,935 SH   SOLE NONE 0 0 30,935
VANGUARD SHORT-TERM BOND INDEX FUND SHORT TRM BOND 921937827 9,660 124,006 SH   SOLE NONE 0 0 124,006
EXXON MOBIL CORP COM COM 30231G102 517 6,263 SH   SOLE NONE 0 0 6,263