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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
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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
HOME DEPOT INC COM 437076102   284,352 731 SH   SOLE 0 0 0 731
ISHARES TR CORE US AGGBD ET 464287226   10,947,287 112,975 SH   SOLE 0 0 0 112,975
ISHARES TR CORE S&P SCP ETF 464287804   8,971,929 77,868 SH   SOLE 0 0 0 77,868
ISHARES TR CORE S&P500 ETF 464287200   33,424,775 56,779 SH   SOLE 0 0 0 56,779
ISHARES TR NATIONAL MUN ETF 464288414   5,395,053 50,634 SH   SOLE 0 0 0 50,634
ISHARES TR GRWT ALLOCAT ETF 464289867   374,742 6,538 SH   SOLE 0 0 0 6,538
ISHARES TR AGGRES ALLOC ETF 464289859   1,720,500 22,458 SH   SOLE 0 0 0 22,458
REDDIT INC CL A 75734B100   639,704 3,914 SH   SOLE 0 0 0 3,914
SPDR SER TR BLOOMBERG HIGH Y 78468R622   8,054,950 84,372 SH   SOLE 0 0 0 84,372
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,956,069 51,198 SH   SOLE 0 0 0 51,198
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   7,314,343 149,120 SH   SOLE 0 0 0 149,120
VANGUARD INDEX FDS MID CAP ETF 922908629   11,608,361 43,949 SH   SOLE 0 0 0 43,949
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   10,159,430 114,048 SH   SOLE 0 0 0 114,048
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   22,177,094 386,293 SH   SOLE 0 0 0 386,293