The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
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 BD INDEX FD INC INTERMED TERM 921937819 875 10,906 SH   SOLE   10,906 0 0
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 726 8,338 SH   SOLE   8,338 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 31,952 407,293 SH   SOLE   407,293 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 20,135 369,957 SH   SOLE   369,957 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 430 2,000 SH   SOLE   2,000 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 1,747 22,431 SH   SOLE   22,431 0 0
ALPHABET INC CAP STK CL C 02079K107 420 350 SH   SOLE   350 0 0
ALPHABET INC CAP STK CL A 02079K305 425 351 SH   SOLE   351 0 0
JOHNSON & JOHNSON COM 478160104 1,811 12,999 SH   SOLE   12,999 0 0
LILLY ELI & CO COM 532457108 404 3,767 SH   SOLE   3,767 0 0
MICROSOFT CORP COM 594918104 595 5,153 SH   SOLE   5,153 0 0
ISHARES TR NATIONAL MUN ETF 464288414 23,166 215,014 SH   SOLE   215,014 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 368 5,484 SH   SOLE   5,484 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 250 2,334 SH   SOLE   2,334 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 99,078 1,401,284 SH   SOLE   1,401,284 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 641 9,156 SH   SOLE   9,156 0 0
AT&T INC COM 00206R102 386 11,524 SH   SOLE   11,524 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,441 56,933 SH   SOLE   56,933 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 47,117 1,085,386 SH   SOLE   1,085,386 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 5,283 103,832 SH   SOLE   103,832 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 208 2,729 SH   SOLE   2,729 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,512 255,362 SH   SOLE   255,362 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 274 5,104 SH   SOLE   5,104 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 206 3,824 SH   SOLE   3,824 0 0