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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
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 18,832,822 79,591 SH SOLE 79,591 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 7,347,460 100,088 SH SOLE 100,088 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 17,211,047 108,910 SH SOLE 108,910 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 943,182 9,781 SH SOLE 9,781 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 20,404,006 55,140 SH SOLE 55,140 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876 3,417,446 17,460 SH SOLE 17,460 0 0
ISHARES TR CORE S&P500 ETF 464287200 9,504,912 12,692 SH SOLE 12,692 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 3,782,887 5,137 SH SOLE 5,137 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 8,125,835 161,387 SH SOLE 161,387 0 0
ISHARES TR MSCI USA MIN ETF 46429B697 3,300,282 34,214 SH SOLE 34,214 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,520,098 17,781 SH SOLE 17,781 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,781,460 73,797 SH SOLE 73,797 0 0
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 920,120 3,037 SH SOLE 3,037 0 0
ISHARES TR SELECT DIVID ETF 464287168 983,752 6,294 SH SOLE 6,294 0 0
APPLE INC COM 037833100 392,083 1,355 SH SOLE 1,355 0 0
SPDR SERIES TRUST ST STR SP DIV 78464A763 1,112,436 7,310 SH SOLE 7,310 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,675,120 5,351 SH SOLE 5,351 0 0
JPMORGAN CHASE & CO COM 46625H100 361,045 1,103 SH SOLE 1,103 0 0