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   529,158 2,748 SH   SOLE   2,748 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,314,010 6,488 SH   SOLE   6,488 0 0
CHEVRON CORP NEW COM 166764100   259,620 1,741 SH   SOLE   1,741 0 0
CHURCHILL DOWNS INC COM 171484108   216,242 1,603 SH   SOLE   1,603 0 0
COCA COLA CO COM 191216100   1,365,810 23,177 SH   SOLE   23,177 0 0
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   2,199,186 49,276 SH   SOLE   49,276 0 0
HOME DEPOT INC COM 437076102   286,391 826 SH   SOLE   826 0 0
HUMANA INC COM 444859102   364,170 795 SH   SOLE   795 0 0
INTEL CORP COM 458140100   1,607,490 31,990 SH   SOLE   31,990 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   1,880,725 4,593 SH   SOLE   4,593 0 0
ISHARES TR SHORT TREAS BD 464288679   207,635 1,885 SH   SOLE   1,885 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   16,613,016 168,506 SH   SOLE   168,506 0 0
MCDONALDS CORP COM 580135101   210,117 709 SH   SOLE   709 0 0
MICROSOFT CORP COM 594918104   3,280,281 8,723 SH   SOLE   8,723 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   813,353 14,421 SH   SOLE   14,421 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   11,020,506 211,121 SH   SOLE   211,121 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   458,608 9,837 SH   SOLE   9,837 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   22,646,730 297,474 SH   SOLE   297,474 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   273,206 575 SH   SOLE   575 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375   3,175,107 96,714 SH   SOLE   96,714 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   21,983,767 738,206 SH   SOLE   738,206 0 0
UNITED PARCEL SERVICE INC CL B 911312106   346,784 2,108 SH   SOLE   2,108 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   4,196,453 72,403 SH   SOLE   72,403 0 0
WALMART INC COM 931142103   461,814 2,929 SH   SOLE   2,929 0 0