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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   894,202 4,610 SH   SOLE   0 0 4,610
ISHARES TR CORE S&P SCP ETF 464287804   5,859,527 58,801 SH   SOLE   0 0 58,801
ISHARES TR CORE MSCI TOTAL 46432F834   10,934,639 174,619 SH   SOLE   0 0 174,619
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   9,485,177 189,174 SH   SOLE   0 0 189,174
MICROSOFT CORP COM 594918104   332,027 975 SH   SOLE   0 0 975
UNITEDHEALTH GROUP INC COM 91324P102   264,352 550 SH   SOLE   0 0 550
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   10,740,721 147,761 SH   SOLE   0 0 147,761
VANGUARD WORLD FDS INF TECH ETF 92204A702   7,649,337 17,300 SH   SOLE   0 0 17,300
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   17,589,773 304,690 SH   SOLE   0 0 304,690
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   6,471,691 77,450 SH   SOLE   0 0 77,450
VANGUARD INDEX FDS TOTAL STK MKT 922908769   37,137,575 168,593 SH   SOLE   0 0 168,593