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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   707,421 4,290 SH   SOLE   0 0 4,290
ISHARES TR CORE S&P SCP ETF 464287804   5,073,573 52,467 SH   SOLE   0 0 52,467
ISHARES TR CORE MSCI TOTAL 46432F834   9,853,012 159,048 SH   SOLE   0 0 159,048
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   9,617,480 191,126 SH   SOLE   0 0 191,126
MICROSOFT CORP COM 594918104   236,406 820 SH   SOLE   0 0 820
UNITEDHEALTH GROUP INC COM 91324P102   259,925 550 SH   SOLE   0 0 550
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   10,256,089 138,915 SH   SOLE   0 0 138,915
VANGUARD WORLD FDS INF TECH ETF 92204A702   6,299,885 16,343 SH   SOLE   0 0 16,343
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   17,694,387 302,261 SH   SOLE   0 0 302,261
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,915,813 71,241 SH   SOLE   0 0 71,241
VANGUARD INDEX FDS TOTAL STK MKT 922908769   33,350,718 163,404 SH   SOLE   0 0 163,404