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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
WILLIS TOWERS WATSON PLC LTD SHS G96629103   982,843 2,991 SH   SOLE   0 0 2,991
AMETEK INC COM 031100100   687,029 3,346 SH   SOLE   0 0 3,346
APPLE INC COM 037833100   627,277 2,307 SH   SOLE   0 0 2,307
HONEYWELL INTL INC COM 438516106   278,694 1,429 SH   SOLE   0 0 1,429
INVESCO QQQ TR UNIT SER 1 46090E103   483,222 787 SH   SOLE   0 0 787
ISHARES TR TIPS BD ETF 464287176   1,342,400 12,214 SH   SOLE   0 0 12,214
ISHARES TR CORE S&P500 ETF 464287200   293,133 428 SH   SOLE   0 0 428
MICROSOFT CORP COM 594918104   1,918,975 3,968 SH   SOLE   0 0 3,968
NVIDIA CORPORATION COM 67066G104   802,662 4,304 SH   SOLE   0 0 4,304
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,156,474 4,629 SH   SOLE   0 0 4,629
SPDR GOLD TR GOLD SHS 78463V107   807,283 2,037 SH   SOLE   0 0 2,037
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   200,330 417 SH   SOLE   0 0 417
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   5,133,451 23,357 SH   SOLE   0 0 23,357
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,671,580 22,158 SH   SOLE   0 0 22,158
VANGUARD WORLD FD MEGA CAP INDEX 921910873   457,605 1,822 SH   SOLE   0 0 1,822
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,559,321 20,022 SH   SOLE   0 0 20,022
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   419,884 2,926 SH   SOLE   0 0 2,926
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,413,171 28,572 SH   SOLE   0 0 28,572
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   16,490,389 330,867 SH   SOLE   0 0 330,867
VANGUARD WORLD FD CONSUM STP ETF 92204A207   1,935,713 9,164 SH   SOLE   0 0 9,164
VANGUARD WORLD FD ENERGY ETF 92204A306   403,281 3,203 SH   SOLE   0 0 3,203
VANGUARD WORLD FD FINANCIALS ETF 92204A405   607,150 4,548 SH   SOLE   0 0 4,548
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   252,960 879 SH   SOLE   0 0 879
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603   2,011,059 6,740 SH   SOLE   0 0 6,740
VANGUARD WORLD FD INF TECH ETF 92204A702   906,109 1,202 SH   SOLE   0 0 1,202
VANGUARD WORLD FD MATERIALS ETF 92204A801   317,130 1,528 SH   SOLE   0 0 1,528
VANGUARD WORLD FD UTILITIES ETF 92204A876   1,467,734 7,932 SH   SOLE   0 0 7,932
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   10,339,085 176,044 SH   SOLE   0 0 176,044
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   273,236 3,263 SH   SOLE   0 0 3,263
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   15,230,393 24,286 SH   SOLE   0 0 24,286
VANGUARD INDEX FDS SM CP VAL ETF 922908611   272,052 1,285 SH   SOLE   0 0 1,285
VANGUARD INDEX FDS MID CAP ETF 922908629   1,514,204 5,217 SH   SOLE   0 0 5,217
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,592,787 5,060 SH   SOLE   0 0 5,060
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   1,812,727 8,668 SH   SOLE   0 0 8,668
VANGUARD INDEX FDS GROWTH ETF 922908736   4,577,058 9,382 SH   SOLE   0 0 9,382
VANGUARD INDEX FDS VALUE ETF 922908744   4,852,965 25,410 SH   SOLE   0 0 25,410
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,549,604 6,007 SH   SOLE   0 0 6,007
VANGUARD INDEX FDS TOTAL STK MKT 922908769   12,369,491 36,894 SH   SOLE   0 0 36,894
VERIZON COMMUNICATIONS INC COM 92343V104   845,152 20,750 SH   SOLE   0 0 20,750