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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   888,203 4,613 SH   SOLE   0 0 4,613
ISHARES TR CORE S&P SCP ETF 464287804   7,198,116 66,495 SH   SOLE   0 0 66,495
ISHARES TR CORE MSCI TOTAL 46432F834   11,692,527 180,079 SH   SOLE   0 0 180,079
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   9,569,282 190,509 SH   SOLE   0 0 190,509
MICROSOFT CORP COM 594918104   399,900 1,063 SH   SOLE   0 0 1,063
SOUTHERN CO COM 842587107   212,183 3,026 SH   SOLE   0 0 3,026
UNITEDHEALTH GROUP INC COM 91324P102   289,559 550 SH   SOLE   0 0 550
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   27,849,902 378,653 SH   SOLE   0 0 378,653
VANGUARD WORLD FDS INF TECH ETF 92204A702   8,162,413 16,864 SH   SOLE   0 0 16,864
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   8,029,909 90,877 SH   SOLE   0 0 90,877
VANGUARD INDEX FDS TOTAL STK MKT 922908769   42,364,507 178,587 SH   SOLE   0 0 178,587