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
ALPHABET INC CAP STK CL C 02079K107   516,852 3,920 SH   SOLE   3,920 0 0
ALPHABET INC CAP STK CL A 02079K305   855,593 6,539 SH   SOLE   6,539 0 0
ALTRIA GROUP INC COM 02209S103   403,680 9,600 SH   SOLE   9,600 0 0
APPLE INC COM 037833100   3,234,271 18,891 SH   SOLE   18,891 0 0
AUTOZONE INC COM 053332102   253,999 100 SH   SOLE   100 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,208,319 6,304 SH   SOLE   6,304 0 0
COSTCO WHSL CORP NEW COM 22160K105   547,791 969 SH   SOLE   969 0 0
EXXON MOBIL CORP COM 30231G102   1,006,060 8,556 SH   SOLE   8,556 0 0
GARMIN LTD SHS H2906T109   222,288 2,113 SH   SOLE   2,113 0 0
ISHARES GOLD TR ISHARES NEW 464285204   209,910 5,999 SH   SOLE   5,999 0 0
ISHARES TR GLOBAL REIT ETF 46434V647   1,293,297 61,093 SH   SOLE   61,093 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   24,681,275 360,743 SH   SOLE   360,743 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   2,849,645 75,089 SH   SOLE   75,089 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   2,757,780 20,346 SH   SOLE   20,346 0 0
ISHARES TR EAFE GRWTH ETF 464288885   2,697,125 31,255 SH   SOLE   31,255 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   4,684,367 20,898 SH   SOLE   20,898 0 0
ISHARES TR IBONDS DEC2026 46435GAA0   3,533,219 151,413 PRN   SOLE   151,413 0 0
ISHARES TR S&P MC 400GR ETF 464287606   1,486,924 20,584 SH   SOLE   20,584 0 0
ISHARES TR S&P MC 400VL ETF 464287705   4,304,363 42,647 SH   SOLE   42,647 0 0
ISHARES TR EAFE VALUE ETF 464288877   3,390,011 69,285 SH   SOLE   69,285 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4   2,541,047 102,748 PRN   SOLE   102,748 0 0
ISHARES TR U.S. ENERGY ETF 464287796   1,183,850 24,960 SH   SOLE   24,960 0 0
ISHARES TR IBONDS DEC23 ETF 46434VAX8   842,386 33,217 PRN   SOLE   33,217 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9   2,812,905 121,558 PRN   SOLE   121,558 0 0
ISHARES TR U.S. REAL ES ETF 464287739   1,221,888 15,638 SH   SOLE   15,638 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   2,797,613 114,796 PRN   SOLE   114,796 0 0
ISHARES TR IBDS DEC28 ETF 46435U515   1,174,888 48,891 SH   SOLE   48,891 0 0
ISHARES TR S&P 500 VAL ETF 464287408   18,634,505 121,130 SH   SOLE   121,130 0 0
ISHARES TR EAFE SML CP ETF 464288273   2,435,305 43,125 SH   SOLE   43,125 0 0
JPMORGAN CHASE & CO COM 46625H100   350,854 2,420 SH   SOLE   2,420 0 0
MERCK & CO INC COM 58933Y105   1,117,097 10,851 SH   SOLE   10,851 0 0
MICROSOFT CORP COM 594918104   1,439,911 4,560 SH   SOLE   4,560 0 0
MONDELEZ INTL INC CL A 609207105   201,468 2,903 SH   SOLE   2,903 0 0
PFIZER INC COM 717081103   283,489 8,547 SH   SOLE   8,547 0 0
PHILIP MORRIS INTL INC COM 718172109   902,655 9,750 SH   SOLE   9,750 0 0
TESLA INC COM 88160R101   240,514 961 SH   SOLE   961 0 0
UNITEDHEALTH GROUP INC COM 91324P102   205,709 408 SH   SOLE   408 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   226,834 833 SH   SOLE   833 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   307,264 4,490 SH   SOLE   4,490 0 0