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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
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
APPLE INC COM 037833100 228 1,670 SH   SOLE   0 0 1,670
ISHARES TR CORE S&P SCP ETF 464287804 4,620 49,994 SH   SOLE   0 0 49,994
ISHARES TR FLTG RATE NT ETF 46429B655 19,863 397,888 SH   SOLE   0 0 397,888
ISHARES TR CORE MSCI TOTAL 46432F834 8,050 141,155 SH   SOLE   0 0 141,155
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 18,467 368,681 SH   SOLE   0 0 368,681
UNITEDHEALTH GROUP INC COM 91324P102 282 550 SH   SOLE   0 0 550
VANGUARD WORLD FDS INF TECH ETF 92204A702 3,365 10,305 SH   SOLE   0 0 10,305
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,630 61,793 SH   SOLE   0 0 61,793
VANGUARD INDEX FDS TOTAL STK MKT 922908769 27,729 147,008 SH   SOLE   0 0 147,008