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
Estimated average burden
hours per response: 23.8
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
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158   2,862,961 27,337 SH   SOLE   27,336 0 0
MICROSOFT CORP COM Stock 594918104   435,866 1,036 SH   SOLE   1,036 0 0
COGENT COMMUNICATIONS HLDGS IN COM NEW Stock 19239V302   576,341 8,822 SH   SOLE   8,822 0 0
VICTORYSHARES SHORT-TERM BOND ETF ETF 92647N535   10,622,909 213,183 SH   SOLE   213,183 0 0
VANGUARD RUSSELL 2000 ETF ETF 92206C664   2,033,444 23,906 SH   SOLE   23,906 0 0
VANGUARD VALUE ETF ETF 922908744   13,898,743 85,342 SH   SOLE   85,341 0 0
ISHARES U.S. TREASURY BOND ETF ETF 46429B267   10,986,548 482,501 SH   SOLE   482,501 0 0
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834   12,833,419 189,116 SH   SOLE   189,116 0 0
ISHARES CORE 1-5 YEAR USD BOND ETF ETF 46432F859   8,119,309 171,149 SH   SOLE   171,149 0 0
ISHARES RUSSELL MIDCAP ETF ETF 464287499   3,186,254 37,891 SH   SOLE   37,891 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   21,029,870 40,001 SH   SOLE   40,001 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509   1,286,844 35,558 SH   SOLE   35,558 0 0
AMERICAN EXPRESS CO COM Stock 025816109   413,940 1,818 SH   SOLE   1,818 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   8,443,505 86,211 SH   SOLE   86,211 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409   10,318,613 141,061 SH   SOLE   141,061 0 0
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746   2,960,252 58,503 SH   SOLE   58,503 0 0
MARSH & MCLENNAN COS INC COM Stock 571748102   206,598 1,003 SH   SOLE   1,003 0 0