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
ALPHABET INC CAP STK CL C 02079K107   792,165 5,123 SH   SOLE   0 0 5,123
AMAZON COM INC COM 023135106   507,804 2,669 SH   SOLE   0 0 2,669
APPLE INC COM 037833100   2,033,036 9,152 SH   SOLE   0 0 9,152
AUTOMATIC DATA PROCESSING IN COM 053015103   568,811 1,862 SH   SOLE   0 0 1,862
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   443,107 832 SH   SOLE   0 0 832
CITIGROUP INC COM NEW 172967424   297,972 4,197 SH   SOLE   0 0 4,197
DISCOVER FINL SVCS COM 254709108   340,740 1,996 SH   SOLE   0 0 1,996
ETSY INC COM 29786A106   605,650 12,837 SH   SOLE   0 0 12,837
ISHARES TR ISHS 1-5YR INVS 464288646   2,320,777 44,315 SH   SOLE   0 0 44,315
ISHARES INC MSCI EMRG CHN 46434G764   1,819,580 33,029 SH   SOLE   0 0 33,029
ISHARES INC MSCI GBL ETF NEW 46434G848   329,845 9,193 SH   SOLE   0 0 9,193
KRAFT HEINZ CO COM 500754106   567,314 18,643 SH   SOLE   0 0 18,643
LOWES COS INC COM 548661107   751,692 3,223 SH   SOLE   0 0 3,223
MICROSOFT CORP COM 594918104   274,785 732 SH   SOLE   0 0 732
PAYCOM SOFTWARE INC COM 70432V102   336,459 1,540 SH   SOLE   0 0 1,540
PAYCHEX INC COM 704326107   991,629 6,427 SH   SOLE   0 0 6,427
PAYPAL HLDGS INC COM 70450Y103   527,155 8,079 SH   SOLE   0 0 8,079
PFIZER INC COM 717081103   416,972 16,455 SH   SOLE   0 0 16,455
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   283,069 13,148 SH   SOLE   0 0 13,148
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   17,074,801 642,393 SH   SOLE   0 0 642,393
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,784,490 21,850 SH   SOLE   0 0 21,850
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   643,595 12,921 SH   SOLE   0 0 12,921
BLOCK INC CL A 852234103   202,597 3,729 SH   SOLE   0 0 3,729
STARBUCKS CORP COM 855244109   353,606 3,605 SH   SOLE   0 0 3,605
UNITED PARCEL SERVICE INC CL B 911312106   353,728 3,216 SH   SOLE   0 0 3,216
UNITEDHEALTH GROUP INC COM 91324P102   304,823 582 SH   SOLE   0 0 582
VANECK ETF TRUST GOLD MINERS ETF 92189F106   507,612 11,042 SH   SOLE   0 0 11,042
VANECK ETF TRUST STEEL ETF 92189F205   209,715 3,410 SH   SOLE   0 0 3,410
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   19,951,633 252,744 SH   SOLE   0 0 252,744
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   17,228,549 210,721 SH   SOLE   0 0 210,721
VANGUARD INDEX FDS SM CP VAL ETF 922908611   13,640,712 73,223 SH   SOLE   0 0 73,223
WISDOMTREE TR JAPN HEDGE EQT 97717W851   9,716,145 88,184 SH   SOLE   0 0 88,184