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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   296,194 731 SH   SOLE 0 0 0 731
ISHARES TR CORE US AGGBD ET 464287226   12,713,996 126,823 SH   SOLE 0 0 0 126,823
ISHARES TR CORE S&P SCP ETF 464287804   10,711,066 90,138 SH   SOLE 0 0 0 90,138
ISHARES TR CORE S&P500 ETF 464287200   39,385,905 58,846 SH   SOLE 0 0 0 58,846
ISHARES TR NATIONAL MUN ETF 464288414   5,678,579 53,325 SH   SOLE 0 0 0 53,325
ISHARES TR CORE 60/40 BALAN 464289867   485,996 7,549 SH   SOLE 0 0 0 7,549
ISHARES TR CORE 80/20 AGGRE 464289859   2,196,356 24,919 SH   SOLE 0 0 0 24,919
SPDR SERIES TRUST BLOOMBERG HIGH Y 78468R622   9,247,059 94,367 SH   SOLE 0 0 0 94,367
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   4,641,960 58,826 SH   SOLE 0 0 0 58,826
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   8,357,354 168,972 SH   SOLE 0 0 0 168,972
VANGUARD INDEX FDS MID CAP ETF 922908629   13,646,316 46,457 SH   SOLE 0 0 0 46,457
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   11,879,484 129,944 SH   SOLE 0 0 0 129,944
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   28,241,954 395,712 SH   SOLE 0 0 0 395,712