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
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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 A 02079K305   992,780 5,244 SH   SOLE   0 0 5,244
AMAZON COM INC COM 023135106   573,266 2,613 SH   SOLE   0 0 2,613
APPLE INC COM 037833100   2,302,493 9,195 SH   SOLE   0 0 9,195
AUTOMATIC DATA PROCESSING IN COM 053015103   544,763 1,861 SH   SOLE   0 0 1,861
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   451,014 995 SH   SOLE   0 0 995
CITIGROUP INC COM NEW 172967424   291,761 4,145 SH   SOLE   0 0 4,145
DISCOVER FINL SVCS COM 254709108   345,540 1,995 SH   SOLE   0 0 1,995
ETSY INC COM 29786A106   403,604 7,631 SH   SOLE   0 0 7,631
ISHARES TR ISHS 1-5YR INVS 464288646   2,234,888 43,228 SH   SOLE   0 0 43,228
ISHARES INC MSCI EMRG CHN 46434G764   2,916,849 52,603 SH   SOLE   0 0 52,603
ISHARES INC MSCI GBL ETF NEW 46434G848   671,563 19,193 SH   SOLE   0 0 19,193
JPMORGAN CHASE & CO. COM 46625H100   202,315 844 SH   SOLE   0 0 844
KRAFT HEINZ CO COM 500754106   501,643 16,335 SH   SOLE   0 0 16,335
LOWES COS INC COM 548661107   795,064 3,221 SH   SOLE   0 0 3,221
MICROSOFT CORP COM 594918104   308,538 732 SH   SOLE   0 0 732
PAYCOM SOFTWARE INC COM 70432V102   285,318 1,392 SH   SOLE   0 0 1,392
PAYCHEX INC COM 704326107   907,792 6,474 SH   SOLE   0 0 6,474
PAYPAL HLDGS INC COM 70450Y103   663,682 7,776 SH   SOLE   0 0 7,776
PFIZER INC COM 717081103   361,853 13,639 SH   SOLE   0 0 13,639
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   298,452 13,148 SH   SOLE   0 0 13,148
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   17,746,746 680,734 SH   SOLE   0 0 680,734
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,717,629 21,850 SH   SOLE   0 0 21,850
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   624,472 12,921 SH   SOLE   0 0 12,921
BLOCK INC CL A 852234103   740,518 8,713 SH   SOLE   0 0 8,713
STARBUCKS CORP COM 855244109   328,740 3,603 SH   SOLE   0 0 3,603
UNITEDHEALTH GROUP INC COM 91324P102   294,411 582 SH   SOLE   0 0 582
VANECK ETF TRUST GOLD MINERS ETF 92189F106   394,314 11,628 SH   SOLE   0 0 11,628
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   15,792,678 202,444 SH   SOLE   0 0 202,444
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   14,578,557 181,619 SH   SOLE   0 0 181,619
VANGUARD INDEX FDS SM CP VAL ETF 922908611   15,888,681 80,173 SH   SOLE   0 0 80,173
WISDOMTREE TR JAPN HEDGE EQT 97717W851   10,501,846 95,220 SH   SOLE   0 0 95,220