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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   847,132 4,400 SH   SOLE   4,400 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   241,075 687 SH   SOLE   687 0 0
ANALOG DEVICES INC COM 032654105   211,268 1,064 SH   SOLE   1,064 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   6,792,121 91,072 SH   SOLE   91,072 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   200,800 563 SH   SOLE   563 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   10,702,952 138,963 SH   SOLE   138,963 0 0
GRANITESHARES ETF TR BBG COMMD K 1 38747R108   5,108,652 262,926 SH   SOLE   262,926 0 0
CHEVRON CORP NEW COM 166764100   239,027 1,602 SH   SOLE   1,602 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,838,239 24,396 SH   SOLE   24,396 0 0
ISHARES TR CORE S&P500 ETF 464287200   14,432,240 30,216 SH   SOLE   30,216 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   916,900 9,679 SH   SOLE   9,679 0 0
JPMORGAN CHASE & CO COM 46625H100   357,210 2,100 SH   SOLE   2,100 0 0
LINDE PLC SHS G54950103   208,230 507 SH   SOLE   507 0 0
LOWES COS INC COM 548661107   247,253 1,111 SH   SOLE   1,111 0 0
MICROSOFT CORP COM 594918104   861,508 2,291 SH   SOLE   2,291 0 0
ALPS ETF TR OSHARES US SMLCP 00162Q395   3,931,792 100,352 SH   SOLE   100,352 0 0
PEPSICO INC COM 713448108   237,097 1,396 SH   SOLE   1,396 0 0
PACER FDS TR TRENDPILOT INTL 69374H683   5,596,361 203,061 SH   SOLE   203,061 0 0
UNITEDHEALTH GROUP INC COM 91324P102   259,023 492 SH   SOLE   492 0 0
VANGUARD WORLD FDS MATERIALS ETF 92204A801   2,308,535 12,154 SH   SOLE   12,154 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   7,164,778 33,585 SH   SOLE   33,585 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   3,349,896 10,999 SH   SOLE   10,999 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   2,676,737 14,017 SH   SOLE   14,017 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   2,326,378 19,836 SH   SOLE   19,836 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   5,672,630 61,485 SH   SOLE   61,485 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   12,821,319 26,490 SH   SOLE   26,490 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   6,876,633 27,430 SH   SOLE   27,430 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   4,315,317 19,577 SH   SOLE   19,577 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   23,100,385 99,297 SH   SOLE   99,297 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   3,867,412 32,851 SH   SOLE   32,851 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   1,005,781 7,338 SH   SOLE   7,338 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   347,295 1,592 SH   SOLE   1,592 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,423,874 180,630 SH   SOLE   180,630 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   2,436,531 38,220 SH   SOLE   38,220 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   15,168,149 261,700 SH   SOLE   261,700 0 0