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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
INVESCO QQQ TR UNIT SER 1 46090E103 308,975 430 SH SOLE 0 0 430
VANGUARD INDEX FDS TOTAL STK MKT 922908769 41,005,470 110,105 SH SOLE 0 0 110,105
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 5,424,339 22,574 SH SOLE 0 0 22,574
MERCK & CO INC COM 58933Y105 260,692 2,109 SH SOLE 0 0 2,109
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 598,545 793 SH SOLE 0 0 793
ISHARES TR RUS 1000 GRW ETF 464287614 386,099 3,124 SH SOLE 0 0 3,124
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,296,950 29,175 SH SOLE 0 0 29,175
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 4,620,373 56,394 SH SOLE 0 0 56,394
MICROSOFT CORP COM 594918104 662,527 1,675 SH SOLE 0 0 1,675
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,696,659 5,712 SH SOLE 0 0 5,712
VANGUARD INDEX FDS MID CAP ETF 922908629 1,795,964 22,324 SH SOLE 0 0 22,324
VANGUARD INDEX FDS LARGE CAP ETF 922908637 405,950 1,168 SH SOLE 0 0 1,168
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 16,808,475 24,227 SH SOLE 0 0 24,227
ISHARES TR 0-5 YR TIPS ETF 46429B747 200,560 1,979 SH SOLE 0 0 1,979
VANGUARD STAR FDS VG TL INTL STK F 921909768 28,125,983 330,933 SH SOLE 0 0 330,933
ISHARES TR 0-3 MTH TREASURY 46436E718 3,948,807 39,276 SH SOLE 0 0 39,276
VANGUARD INDEX FDS VALUE ETF 922908744 2,614,368 12,021 SH SOLE 0 0 12,021
VANGUARD INDEX FDS GROWTH ETF 922908736 3,219,297 36,683 SH SOLE 0 0 36,683
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 830,442 8,221 SH SOLE 0 0 8,221
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 23,130,430 317,638 SH SOLE 0 0 317,638
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 12,511,690 150,508 SH SOLE 0 0 150,508
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 14,861,760 309,427 SH SOLE 0 0 309,427
VANGUARD MUN BD FDS INTERMEDIATE TRM 922907738 1,164,145 11,599 SH SOLE 0 0 11,599
VANGUARD BD INDEX FDS INTERMED TERM 921937819 231,921 3,046 SH SOLE 0 0 3,046
MOTOROLA SOLUTIONS INC COM NEW 620076307 497,136 1,221 SH SOLE 0 0 1,221
ISHARES TR S&P 500 GRWT ETF 464287309 404,898 2,922 SH SOLE 0 0 2,922
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,677,858 23,692 SH SOLE 0 0 23,692
SCHWAB STRATEGIC TR GOVT MONE MA ETF 808524581 1,272,647 12,648 SH SOLE 0 0 12,648
VANGUARD MUN BD FDS LONG TERM TAX EX 922907688 845,585 8,148 SH SOLE 0 0 8,148
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,640,298 6,911 SH SOLE 0 0 6,911
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,354,279 46,889 SH SOLE 0 0 46,889