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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   794,757 4,642 SH   SOLE   0 0 4,642
ISHARES TR CORE S&P SCP ETF 464287804   5,842,521 61,937 SH   SOLE   0 0 61,937
ISHARES TR CORE MSCI TOTAL 46432F834   10,605,452 176,787 SH   SOLE   0 0 176,787
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   9,455,267 188,427 SH   SOLE   0 0 188,427
MICROSOFT CORP COM 594918104   335,714 1,063 SH   SOLE   0 0 1,063
UNITEDHEALTH GROUP INC COM 91324P102   289,405 574 SH   SOLE   0 0 574
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   10,597,297 151,867 SH   SOLE   0 0 151,867
VANGUARD WORLD FDS INF TECH ETF 92204A702   7,541,089 18,176 SH   SOLE   0 0 18,176
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   17,774,922 308,592 SH   SOLE   0 0 308,592
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   6,065,106 80,163 SH   SOLE   0 0 80,163
VANGUARD INDEX FDS TOTAL STK MKT 922908769   38,158,922 179,647 SH   SOLE   0 0 179,647