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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
ALPHABET INC CAP STK CL C 02079K107 239,911 679 SH SOLE 0 0 679
APPLE INC COM 037833100 420,151 1,452 SH SOLE 0 0 1,452
ISHARES TR 3 7 YR TREAS BD 464288661 243,356 2,072 SH SOLE 0 0 2,072
ISHARES TR 7-10 YR TRSY BD 464287440 88,055,045 931,110 SH SOLE 0 0 931,110
ISHARES TR CORE S&P TTL STK 464287150 8,302,863 50,544 SH SOLE 0 0 50,544
MICROSOFT CORP COM 594918104 400,623 1,074 SH SOLE 0 0 1,074
NVIDIA CORPORATION COM 67066G104 326,347 1,631 SH SOLE 0 0 1,631
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,914,617 177,423 SH SOLE 0 0 177,423
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,477,911 154,624 SH SOLE 0 0 154,624
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 300,948 403 SH SOLE 0 0 403
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 947,587 1,380 SH SOLE 0 0 1,380
VANGUARD INDEX FDS TOTAL STK MKT 922908769 142,597,311 385,356 SH SOLE 0 0 385,356
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 16,978,046 202,723 SH SOLE 0 0 202,723
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,568,505 30,045 SH SOLE 0 0 30,045