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
WILLIS TOWERS WATSON PLC LTD SHS G96629103   860,002 2,991 SH   SOLE   0 0 2,991
ACCO BRANDS CORP COM 00081T108   0 32,050 SH   SOLE   0 0 32,050
AMETEK INC COM 031100100   699,968 3,202 SH   SOLE   0 0 3,202
APPLE INC COM 037833100   457,884 1,791 SH   SOLE   0 0 1,791
HONEYWELL INTL INC COM 438516106   327,637 1,436 SH   SOLE   0 0 1,436
INVESCO QQQ TR UNIT SER 1 46090E103   440,870 755 SH   SOLE   0 0 755
ISHARES TR TIPS BD ETF 464287176   1,308,354 11,855 SH   SOLE   0 0 11,855
ISHARES TR CORE S&P500 ETF 464287200   259,300 394 SH   SOLE   0 0 394
ISHARES TR US INFRASTRUC 46435U713   301,779 5,231 SH   SOLE   0 0 5,231
MICROSOFT CORP COM 594918104   1,468,779 3,976 SH   SOLE   0 0 3,976
MICRON TECHNOLOGY INC COM 595112103   302,020 821 SH   SOLE   0 0 821
NVIDIA CORPORATION COM 67066G104   667,152 3,796 SH   SOLE   0 0 3,796
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103   3,434,822 5,242 SH   SOLE   0 0 5,242
SPDR GOLD TR GOLD SHS 78463V107   864,695 1,975 SH   SOLE   0 0 1,975
STATE STR SPDR DOW JONES IND UT SER 1 78467X109   200,261 430 SH   SOLE   0 0 430
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   4,963,761 23,014 SH   SOLE   0 0 23,014
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,746,518 22,388 SH   SOLE   0 0 22,388
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,433,092 18,636 SH   SOLE   0 0 18,636
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   519,319 3,510 SH   SOLE   0 0 3,510
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,380,816 27,688 SH   SOLE   0 0 27,688
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   16,385,521 330,287 SH   SOLE   0 0 330,287
VANGUARD WORLD FD CONSUM STP ETF 92204A207   1,936,851 8,657 SH   SOLE   0 0 8,657
VANGUARD WORLD FD ENERGY ETF 92204A306   502,621 3,013 SH   SOLE   0 0 3,013
VANGUARD WORLD FD FINANCIALS ETF 92204A405   529,065 4,378 SH   SOLE   0 0 4,378
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   241,807 881 SH   SOLE   0 0 881
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603   2,824,546 8,899 SH   SOLE   0 0 8,899
VANGUARD WORLD FD INF TECH ETF 92204A702   729,979 1,033 SH   SOLE   0 0 1,033
VANGUARD WORLD FD MATERIALS ETF 92204A801   468,859 2,053 SH   SOLE   0 0 2,053
VANGUARD WORLD FD UTILITIES ETF 92204A876   1,637,196 8,228 SH   SOLE   0 0 8,228
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   11,087,060 190,042 SH   SOLE   0 0 190,042
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   229,791 2,785 SH   SOLE   0 0 2,785
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   14,260,696 23,677 SH   SOLE   0 0 23,677
VANGUARD INDEX FDS MID CAP ETF 922908629   1,500,797 5,193 SH   SOLE   0 0 5,193
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,480,294 4,918 SH   SOLE   0 0 4,918
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   1,800,420 8,688 SH   SOLE   0 0 8,688
VANGUARD INDEX FDS GROWTH ETF 922908736   4,099,446 9,284 SH   SOLE   0 0 9,284
VANGUARD INDEX FDS VALUE ETF 922908744   4,872,288 24,774 SH   SOLE   0 0 24,774
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,754,257 6,660 SH   SOLE   0 0 6,660
VANGUARD INDEX FDS TOTAL STK MKT 922908769   11,729,074 36,286 SH   SOLE   0 0 36,286
VERIZON COMMUNICATIONS INC COM 92343V104   1,026,333 20,780 SH   SOLE   0 0 20,780