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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
ABBVIE INC COM 00287Y109   387,120 1,848 SH   SOLE   0 0 1,848
APPLE INC COM 037833100   1,092,826 4,920 SH   SOLE   0 0 4,920
CATERPILLAR INC COM 149123101   550,766 1,670 SH   SOLE   0 0 1,670
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   2,421,888 13,981 SH   SOLE   0 0 13,981
ISHARES TR CORE S&P500 ETF 464287200   682,709 1,215 SH   SOLE   0 0 1,215
ISHARES TR CORE S&P MCP ETF 464287507   251,197 4,305 SH   SOLE   0 0 4,305
ISHARES TR CORE MSCI INTL 46435G326   255,582 3,710 SH   SOLE   0 0 3,710
ISHARES TR CR 5 10 YR ETF 46435G417   308,150 7,100 SH   SOLE   0 0 7,100
KLA CORP COM NEW 482480100   1,396,309 2,054 SH   SOLE   0 0 2,054
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   616,295 22,042 SH   SOLE   0 0 22,042
VANGUARD STAR FDS VG TL INTL STK F 921909768   9,410,566 151,539 SH   SOLE   0 0 151,539
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   3,225,127 43,909 SH   SOLE   0 0 43,909
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,897,368 37,328 SH   SOLE   0 0 37,328
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   659,755 5,116 SH   SOLE   0 0 5,116
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,535,109 31,444 SH   SOLE   0 0 31,444
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   383,330 3,316 SH   SOLE   0 0 3,316
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,891,136 31,176 SH   SOLE   0 0 31,176
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   451,078 9,966 SH   SOLE   0 0 9,966
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   494,405 8,424 SH   SOLE   0 0 8,424
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   12,380,853 24,091 SH   SOLE   0 0 24,091
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   4,434,345 25,742 SH   SOLE   0 0 25,742
VANGUARD INDEX FDS GROWTH ETF 922908736   818,862 2,208 SH   SOLE   0 0 2,208
VANGUARD INDEX FDS VALUE ETF 922908744   1,662,075 9,622 SH   SOLE   0 0 9,622
VANGUARD INDEX FDS SMALL CP ETF 922908751   524,964 2,367 SH   SOLE   0 0 2,367
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,854,672 17,664 SH   SOLE   0 0 17,664
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   235,969 4,688 SH   SOLE   0 0 4,688