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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 313,281 423 SH SOLE 0 0 423
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 43,232,371 115,520 SH SOLE 0 0 115,520
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 5,239,888 22,622 SH SOLE 0 0 22,622
MERCK & CO INC COM 58933Y105 306,457 2,109 SH SOLE 0 0 2,109
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 496,808 651 SH SOLE 0 0 651
ISHARES TR RUS 1000 GRW ETF 464287614 391,372 3,124 SH SOLE 0 0 3,124
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,811,797 23,454 SH SOLE 0 0 23,454
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 9,624,732 122,906 SH SOLE 0 0 122,906
MICROSOFT CORP COM 594918104 859,037 1,675 SH SOLE 0 0 1,675
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 1,712,673 6,020 SH SOLE 0 0 6,020
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 2,715,643 34,629 SH SOLE 0 0 34,629
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 411,897 1,171 SH SOLE 0 0 1,171
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 20,555,909 29,330 SH SOLE 0 0 29,330
VANGUARD STAR FDS VG TL INTL STK F 921909768 29,611,291 348,532 SH SOLE 0 0 348,532
ISHARES TR 0-3 MTH TREASURY 46436E718 3,958,686 39,319 SH SOLE 0 0 39,319
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 2,598,474 12,026 SH SOLE 0 0 12,026
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 3,308,811 36,720 SH SOLE 0 0 36,720
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 814,044 8,256 SH SOLE 0 0 8,256
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 29,140,090 415,397 SH SOLE 0 0 415,397
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 12,516,383 150,854 SH SOLE 0 0 150,854
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 14,294,483 304,982 SH SOLE 0 0 304,982
VANGUARD MUN BD FDS INTERMEDIATE TRM 922907738 1,111,687 11,660 SH SOLE 0 0 11,660
MOTOROLA SOLUTIONS INC COM NEW 620076307 544,495 1,221 SH SOLE 0 0 1,221
ISHARES TR S&P 500 GRWT ETF 464287309 415,901 2,924 SH SOLE 0 0 2,924
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,676,973 23,750 SH SOLE 0 0 23,750
SCHWAB STRATEGIC TR GOVT MONE MA ETF 808524581 1,215,241 12,060 SH SOLE 0 0 12,060
VANGUARD MUN BD FDS LONG TERM TAX EX 922907688 787,722 8,199 SH SOLE 0 0 8,199
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 873,272 3,743 SH SOLE 0 0 3,743
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,245,512 47,414 SH SOLE 0 0 47,414