The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
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
APPLE INC COM 037833100   365,535 2,217 SH   SOLE   2,216 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,041,278 6,611 SH   SOLE   6,611 0 0
CHEVRON CORP NEW COM 166764100   255,749 1,567 SH   SOLE   1,567 0 0
CHURCHILL DOWNS INC COM 171484108   207,856 809 SH   SOLE   808 0 0
COCA COLA CO COM 191216100   1,275,565 20,564 SH   SOLE   20,563 0 0
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   5,981,854 132,488 SH   SOLE   132,488 0 0
HOME DEPOT INC COM 437076102   219,755 745 SH   SOLE   744 0 0
HUMANA INC COM 444859102   371,128 764 SH   SOLE   764 0 0
INTEL CORP COM 458140100   1,050,559 32,157 SH   SOLE   32,156 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   1,604,001 4,998 SH   SOLE   4,997 0 0
ISHARES TR SHORT TREAS BD 464288679   482,559 4,367 SH   SOLE   4,367 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   18,573,471 187,176 SH   SOLE   187,175 0 0
MICROSOFT CORP COM 594918104   2,665,841 9,247 SH   SOLE   9,246 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   464,023 9,892 SH   SOLE   9,891 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   931,827 19,099 SH   SOLE   19,098 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   19,389,476 265,028 SH   SOLE   265,028 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   201,531 4,212 SH   SOLE   4,211 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   12,334,008 230,069 SH   SOLE   230,069 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   724,506 14,978 SH   SOLE   14,978 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375   2,899,755 89,251 SH   SOLE   89,250 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   20,256,471 683,647 SH   SOLE   683,647 0 0
UNITED PARCEL SERVICE INC CL B 911312106   399,897 2,079 SH   SOLE   2,078 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   3,891,632 70,488 SH   SOLE   70,487 0 0
WALMART INC COM 931142103   437,721 2,969 SH   SOLE   2,968 0 0