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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
OMB APPROVAL
OMB Number: 3235-0006
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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
ISHARES TR CORE S&P500 ETF 464287200 29,992 79,104 SH   SOLE   0 0 79,104
AMAZON COM INC COM 023135106 955 8,995 SH   SOLE   0 0 8,995
MICROSOFT CORP COM 594918104 289 1,127 SH   SOLE   0 0 1,127
UNITED PARCEL SERVICE INC CL B 911312106 2,481 13,594 SH   SOLE   0 0 13,594
CITIGROUP INC COM NEW 172967424 231 5,013 SH   SOLE   0 0 5,013
PPG INDS INC COM 693506107 1,620 14,164 SH   SOLE   0 0 14,164
SPDR SER TR S&P 600 SMCP VAL 78464A300 4,797 66,243 SH   SOLE   0 0 66,243
SPDR SER TR S&P 600 SMCP GRW 78464A201 4,344 61,616 SH   SOLE   0 0 61,616
SPDR SER TR PRTFLO S&P500 GW 78464A409 6,225 119,069 SH   SOLE   0 0 119,069
SPDR SER TR PORTFOLI S&P1500 78464A805 1,240 26,669 SH   SOLE   0 0 26,669
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,483 17,305 SH   SOLE   0 0 17,305
PROCTER AND GAMBLE CO COM 742718109 220 1,530 SH   SOLE   0 0 1,530
INTUIT COM 461202103 664 1,722 SH   SOLE   0 0 1,722
MARSH & MCLENNAN COS INC COM 571748102 480 3,091 SH   SOLE   0 0 3,091
APPLE INC COM 037833100 1,949 14,254 SH   SOLE   0 0 14,254
SPDR SER TR PRTFLO S&P500 VL 78464A508 6,709 182,223 SH   SOLE   0 0 182,223
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,867 68,825 SH   SOLE   0 0 68,825
VANGUARD INDEX FDS VALUE ETF 922908744 722 5,476 SH   SOLE   0 0 5,476
VANGUARD INDEX FDS MID CAP ETF 922908629 7,163 36,366 SH   SOLE   0 0 36,366
VANGUARD INDEX FDS SM CP VAL ETF 922908611 896 5,982 SH   SOLE   0 0 5,982
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,759 30,284 SH   SOLE   0 0 30,284
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,806 38,648 SH   SOLE   0 0 38,648
VANGUARD INDEX FDS GROWTH ETF 922908736 647 2,905 SH   SOLE   0 0 2,905
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,138 5,777 SH   SOLE   0 0 5,777
ISHARES TR EAFE VALUE ETF 464288877 6,148 141,657 SH   SOLE   0 0 141,657
ISHARES TR EAFE GRWTH ETF 464288885 5,201 64,621 SH   SOLE   0 0 64,621
SPDR SER TR S&P 400 MDCP VAL 78464A839 4,971 82,166 SH   SOLE   0 0 82,166
VANGUARD INDEX FDS LARGE CAP ETF 922908637 205 1,192 SH   SOLE   0 0 1,192
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,232 7,027 SH   SOLE   0 0 7,027
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 731 5,644 SH   SOLE   0 0 5,644
SPDR SER TR S&P 400 MDCP GRW 78464A821 4,444 72,895 SH   SOLE   0 0 72,895
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 248 4,956 SH   SOLE   0 0 4,956
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,278 29,672 SH   SOLE   0 0 29,672
VANGUARD BD INDEX FDS INTERMED TERM 921937819 2,894 37,268 SH   SOLE   0 0 37,268
SPDR SER TR PORTFOLIO S&P400 78464A847 31,263 787,692 SH   SOLE   0 0 787,692
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 16,533 475,490 SH   SOLE   0 0 475,490
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 8,778 215,150 SH   SOLE   0 0 215,150
ISHARES TR NATIONAL MUN ETF 464288414 3,341 31,408 SH   SOLE   0 0 31,408
PHILIP MORRIS INTL INC COM 718172109 347 3,514 SH   SOLE   0 0 3,514
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 35,909 1,245,122 SH   SOLE   0 0 1,245,122
SPDR SER TR PORTFOLIO AGRGTE 78464A649 21,380 811,374 SH   SOLE   0 0 811,374
ISHARES TR SHRT NAT MUN ETF 464288158 572 5,461 SH   SOLE   0 0 5,461
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6,597 19,019 SH   SOLE   0 0 19,019
ISHARES TR FLTG RATE NT ETF 46429B655 19,309 386,791 SH   SOLE   0 0 386,791
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 13,023 181,814 SH   SOLE   0 0 181,814
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 21,497 433,928 SH   SOLE   0 0 433,928
SPDR SER TR PORTFOLIO S&P600 78468R853 32,118 892,674 SH   SOLE   0 0 892,674
ARDELYX INC COM 039697107 6 11,000 SH   SOLE   0 0 11,000
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 15,043 368,154 SH   SOLE   0 0 368,154
APPLE INC COM 037833100 3 100 SH Call SOLE   0 0 100
AMAZON COM INC COM 023135106 2 300 SH Call SOLE   0 0 300