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
Expires: July 31, 2015
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL C 02079K107 1,881,077 21,200 SH SOLE 0 0 21,200
APPLE INC COM 037833100 970,086 7,465 SH SOLE 0 0 7,465
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 230,439 746 SH SOLE 0 0 746
CHEVRON CORP NEW COM 166764100 558,494 3,111 SH SOLE 0 0 3,111
INTUIT COM 461202103 464,955 1,195 SH SOLE 0 0 1,195
ISHARES TR EAFE GRWTH ETF 464288885 6,074,878 72,521 SH SOLE 0 0 72,521
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 1,754,228 62,226 SH SOLE 0 0 62,226
MICROSOFT CORP COM 594918104 232,494 969 SH SOLE 0 0 969
PAVMED INC COM 70387R106 5,290 11,021 SH SOLE 0 0 11,021
QUALCOMM INC COM 747525103 380,406 3,460 SH SOLE 0 0 3,460
UBER TECHNOLOGIES INC COM 90353T100 438,958 17,750 SH SOLE 0 0 17,750
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,073,735 27,547 SH SOLE 0 0 27,547
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 19,662,384 273,694 SH SOLE 0 0 273,694
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 2,253,353 45,987 SH SOLE 0 0 45,987
VANGUARD INDEX FDS GROWTH ETF 922908736 20,939,979 98,249 SH SOLE 0 0 98,249
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 6,749,101 37,541 SH SOLE 0 0 37,541
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,500,604 18,486 SH SOLE 0 0 18,486
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,644,724 32,070 SH SOLE 0 0 32,070
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 457,161 1,302 SH SOLE 0 0 1,302
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,851,109 17,943 SH SOLE 0 0 17,943
VANGUARD INDEX FDS SML CP GRW ETF 922908595 4,481,057 22,334 SH SOLE 0 0 22,334
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,521,789 13,190 SH SOLE 0 0 13,190
VANGUARD INDEX FDS VALUE ETF 922908744 6,585,282 46,910 SH SOLE 0 0 46,910
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,145,357 55,036 SH SOLE 0 0 55,036
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 4,058,136 39,473 SH SOLE 0 0 39,473
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,583,107 21,055 SH SOLE 0 0 21,055