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
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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
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 336,017 2,494 SH   OTR   0 0 2,494
AMAZON COM INC COM 023135106 BBG001S5PQL7 578,798 4,440 SH   OTR   0 0 4,440
APPLE INC COM 037833100 BBG001S5N8V8 881,177 4,543 SH   OTR   0 0 4,543
BROADCOM INC COM 11135F101 BBG00KHY5SY8 503,977 581 SH   OTR   0 0 581
COLUMBIA BKG SYS INC COM 197236102 BBG001S72GJ3 334,600 16,499 SH   OTR   0 0 16,499
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 793,595 29,230 SH   OTR   0 0 29,230
HOME DEPOT INC COM 437076102 BBG001S5RTW7 220,243 709 SH   OTR   0 0 709
INNOVATOR ETFS TR US EQTY PWR BF 45782C680 BBG00PVP39R2 1,151,033 36,888 SH   OTR   0 0 36,888
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 BBG001V0MBC0 2,110,313 100,300 SH   OTR   0 0 100,300
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 BBG001SJW5C5 1,138,564 24,417 SH   OTR   0 0 24,417
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 2,636,805 22,877 SH   OTR   0 0 22,877
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 224,193 503 SH   OTR   0 0 503
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 234,818 3,128 SH   OTR   0 0 3,128
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 1,482,669 5,387 SH   OTR   0 0 5,387
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 2,666,355 14,238 SH   OTR   0 0 14,238
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1,255,494 11,666 SH   OTR   0 0 11,666
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 622,575 12,489 SH   OTR   0 0 12,489
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 235,714 512 SH   OTR   0 0 512
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,065,890 3,130 SH   OTR   0 0 3,130
NORTHROP GRUMMAN CORP COM 666807102 BBG001S5TP26 376,946 827 SH   OTR   0 0 827
QUALCOMM INC COM 747525103 BBG001S6VS70 265,222 2,228 SH   OTR   0 0 2,228
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 2,738,584 6,178 SH   OTR   0 0 6,178
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 292,623 3,187 SH   OTR   0 0 3,187
STARBUCKS CORP COM 855244109 BBG001S72KH6 701,147 7,078 SH   OTR   0 0 7,078
UNION PAC CORP COM 907818108 BBG001S5X2M0 280,943 1,373 SH   OTR   0 0 1,373
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 4,566,998 60,708 SH   OTR   0 0 60,708
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 BBG001ST39S0 4,521,898 60,356 SH   OTR   0 0 60,356
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 9,046,657 119,713 SH   OTR   0 0 119,713
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 236,461 3,253 SH   OTR   0 0 3,253
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 10,217,917 209,040 SH   OTR   0 0 209,040
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 23,006,912 81,303 SH   OTR   0 0 81,303
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 962,864 11,523 SH   OTR   0 0 11,523
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 5,012,555 25,201 SH   OTR   0 0 25,201
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 344,078 1,562 SH   OTR   0 0 1,562
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 19,673,684 138,422 SH   OTR   0 0 138,422
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 1,774,855 32,620 SH   OTR   0 0 32,620
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 7,475,447 183,756 SH   OTR   0 0 183,756
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 4,695,325 102,094 SH   OTR   0 0 102,094
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 257,967 4,600 SH   OTR   0 0 4,600
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 21,181,890 458,672 SH   OTR   0 0 458,672
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 1,810,425 24,110 SH   OTR   0 0 24,110
VISA INC COM CL A 92826C839 BBG001SRCFY3 316,561 1,333 SH   OTR   0 0 1,333