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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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   292 1,670 SH   SOLE   0 0 1,670
ISHARES TR CORE S&P SCP ETF 464287804   5,161 47,842 SH   SOLE   0 0 47,842
ISHARES TR FLTG RATE NT ETF 46429B655   19,548 386,943 SH   SOLE   0 0 386,943
ISHARES TR CORE MSCI TOTAL 46432F834   8,810 132,326 SH   SOLE   0 0 132,326
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837   18,031 358,685 SH   SOLE   0 0 358,685
MICROSOFT CORP COM 594918104   219 709 SH   SOLE   0 0 709
UNITEDHEALTH GROUP INC COM 91324P102   280 550 SH   SOLE   0 0 550
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   280 3,523 SH   SOLE   0 0 3,523
VANGUARD WORLD FDS INF TECH ETF 92204A702   4,061 9,752 SH   SOLE   0 0 9,752
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   6,445 59,471 SH   SOLE   0 0 59,471
VANGUARD INDEX FDS TOTAL STK MKT 922908769   31,954 140,352 SH   SOLE   0 0 140,352