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
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
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
American Electric Power Compan COM 025537101   346,294 4,022 SH   SOLE   0 0 4,022
Apple Inc. COM 037833100   340,874 1,988 SH   SOLE   0 0 1,988
Arch Capital Group Ltd. COM g0450a105   228,345 2,470 SH   SOLE   0 0 2,470
Intel Corporation COM 458000000   2,807,578 63,563 SH   SOLE   0 0 63,563
MSCI EAFE Index COM 464000000   230,251 2,883 SH   SOLE   0 0 2,883
McKesson Corp. COM 58155q103   312,984 583 SH   SOLE   0 0 583
Microsoft Corp. COM 595000000   499,815 1,188 SH   SOLE   0 0 1,188
PepsiCo, Inc. COM 713000000   333,569 1,906 SH   SOLE   0 0 1,906
Russell 2000 Index Fund - iSha COM 464000000   210,389 1,000 SH   SOLE   0 0 1,000
S&P 500 Index Fund - iShares COM 464000000   9,555,303 18,175 SH   SOLE   0 0 18,175
S&P MidCap 400 Index - iShares COM 464000000   706,406 11,630 SH   SOLE   0 0 11,630
SPDR Portfolio Developed World COM 78463x889   6,595,026 184,013 SH   SOLE   0 0 184,013
SPDR Portfolio Large Cap ETF COM 78464a854   9,769,918 158,783 SH   SOLE   0 0 158,783
SPDR Portfolio Mid Cap ETF COM 78464a847   6,157,303 115,435 SH   SOLE   0 0 115,435
SPDR Portfolio Small Cap ETF COM 78468r853   1,253,927 29,134 SH   SOLE   0 0 29,134
SPDR Portfolio Emerging Marke COM 78463x509   7,296,217 201,609 SH   SOLE   0 0 201,609
Trane Technologies PLC COM g8994e103   242,862 809 SH   SOLE   0 0 809
Vanguard Emerging Markets Inde COM 922000000   3,970,147 95,048 SH   SOLE   0 0 95,048
Vanguard Europe Pacific (EAFE COM 922000000   5,239,842 104,442 SH   SOLE   0 0 104,442
Vanguard Mid Cap ETF COM 923000000   4,337,570 17,360 SH   SOLE   0 0 17,360
Vanguard Small Cap ETF COM 923000000   723,945 3,167 SH   SOLE   0 0 3,167
WisdomTree Emerging Mkts Small COM 97717w281   1,328,463 26,120 SH   SOLE   0 0 26,120
WisdomTree International Small COM 97717w760   1,295,462 19,866 SH   SOLE   0 0 19,866
WisdomTree MidCap Dividend Fun COM 97717w505   759,690 15,577 SH   SOLE   0 0 15,577
WisdomTree SmallCap Dividend F COM 97717w604   1,773,027 54,254 SH   SOLE   0 0 54,254
Blackrock Floating Rate Income ETF 09255x100   3,203,069 247,916 SH   SOLE   0 0 247,916
Calamos Convertible Opportunit ETF 128000000   2,101,891 185,189 SH   SOLE   0 0 185,189
PIMCO 1-5 Year US TIPS Index E ETF 72201r205   323,471 6,281 SH   SOLE   0 0 6,281
Vanguard Shrt-Term Infl-Prot S ETF 922000000   1,507,177 31,472 SH   SOLE   0 0 31,472
iShares Short-Term Corporate B ETF 464000000   481,040 9,381 SH   SOLE   0 0 9,381
Vaneck Vectors Junior Gold Min ETF2 92189f791   1,524,148 39,343 SH   SOLE   0 0 39,343
Vanguard Global ex-US Real Est ETF2 922000000   3,844,980 91,243 SH   SOLE   0 0 91,243
Vanguard REIT Index ETF2 923000000   2,835,281 32,785 SH   SOLE   0 0 32,785