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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
HOME DEPOT INC COM 437076102 268,014 731 SH SOLE 0 0 0 731
ISHARES TR CORE US AGGBD ET 464287226 12,225,492 123,241 SH SOLE 0 0 0 123,241
ISHARES TR CORE S&P SCP ETF 464287804 9,664,183 88,427 SH SOLE 0 0 0 88,427
ISHARES TR CORE S&P500 ETF 464287200 36,832,635 59,321 SH SOLE 0 0 0 59,321
ISHARES TR NATIONAL MUN ETF 464288414 5,443,304 52,099 SH SOLE 0 0 0 52,099
ISHARES TR CORE 60/40 BALAN 464289867 464,139 7,538 SH SOLE 0 0 0 7,538
ISHARES TR CORE 80/20 AGGRE 464289859 2,105,489 25,246 SH SOLE 0 0 0 25,246
SPDR SERIES TRUST BLOOMBERG HIGH Y 78468R622 8,907,365 91,574 SH SOLE 0 0 0 91,574
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 4,488,497 57,033 SH SOLE 0 0 0 57,033
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 8,089,533 163,392 SH SOLE 0 0 0 163,392
VANGUARD INDEX FDS MID CAP ETF 922908629 12,982,982 46,396 SH SOLE 0 0 0 46,396
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 11,184,432 125,583 SH SOLE 0 0 0 125,583
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 27,071,652 402,732 SH SOLE 0 0 0 402,732