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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
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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
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,881,077 21,200 SH   SOLE   0 0 21,200
APPLE INC COM 037833100 BBG001S5N8V8 970,086 7,465 SH   SOLE   0 0 7,465
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 230,439 746 SH   SOLE   0 0 746
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 558,494 3,111 SH   SOLE   0 0 3,111
INTUIT COM 461202103 BBG001S6TWR2 464,955 1,195 SH   SOLE   0 0 1,195
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 6,074,878 72,521 SH   SOLE   0 0 72,521
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 BBG0079TF237 1,754,228 62,226 SH   SOLE   0 0 62,226
MICROSOFT CORP COM 594918104 BBG001S5TD05 232,494 969 SH   SOLE   0 0 969
PAVMED INC COM 70387R106 BBG00DGWP3H1 5,290 11,021 SH   SOLE   0 0 11,021
QUALCOMM INC COM 747525103 BBG001S6VS70 380,406 3,460 SH   SOLE   0 0 3,460
UBER TECHNOLOGIES INC COM 90353T100 BBG002B04MW4 438,958 17,750 SH   SOLE   0 0 17,750
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 2,073,735 27,547 SH   SOLE   0 0 27,547
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 19,662,384 273,694 SH   SOLE   0 0 273,694
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 2,253,353 45,987 SH   SOLE   0 0 45,987
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 20,939,979 98,249 SH   SOLE   0 0 98,249
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 6,749,101 37,541 SH   SOLE   0 0 37,541
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 2,500,604 18,486 SH   SOLE   0 0 18,486
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 2,644,724 32,070 SH   SOLE   0 0 32,070
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 457,161 1,302 SH   SOLE   0 0 1,302
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 2,851,109 17,943 SH   SOLE   0 0 17,943
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 4,481,057 22,334 SH   SOLE   0 0 22,334
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 2,521,789 13,190 SH   SOLE   0 0 13,190
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 6,585,282 46,910 SH   SOLE   0 0 46,910
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 2,145,357 55,036 SH   SOLE   0 0 55,036
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 4,058,136 39,473 SH   SOLE   0 0 39,473
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 1,583,107 21,055 SH   SOLE   0 0 21,055