Kearns & Associates 13F-HR Quarterly holdings report by institutional manager

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
ALPHABET INC	CAP STK CL C	02079K107	425,904	4,800	SH		SOLE		4,800	0	0
ALPHABET INC	CAP STK CL A	02079K305	423,504	4,800	SH		SOLE		4,800	0	0
AMAZON COM INC	COM	023135106	391,440	4,660	SH		SOLE		4,660	0	0
AMERICAN EXPRESS CO	COM	025816109	413,700	2,800	SH		SOLE		2,800	0	0
APPLE INC	COM	037833100	2,693,189	20,728	SH		SOLE		20,728	0	0
BAKER HUGHES COMPANY	CL A	05722G100	221,475	7,500	SH		SOLE		7,500	0	0
BANK AMERICA CORP	COM	060505104	645,840	19,500	SH		SOLE		19,500	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	271,252	3,770	SH		SOLE		3,770	0	0
CAPITAL ONE FINL CORP	COM	14040H105	201,723	2,170	SH		SOLE		2,170	0	0
COMCAST CORP NEW	CL A	20030N101	209,820	6,000	SH		SOLE		6,000	0	0
CONOCOPHILLIPS	COM	20825C104	292,876	2,482	SH		SOLE		2,482	0	0
DANAHER CORPORATION	COM	235851102	241,532	910	SH		SOLE		910	0	0
DISNEY WALT CO	COM	254687106	262,378	3,020	SH		SOLE		3,020	0	0
EQUINIX INC	COM	29444U700	252,187	385	SH		SOLE		385	0	0
GOLDMAN SACHS GROUP INC	COM	38141G104	343,380	1,000	SH		SOLE		1,000	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	549,669	5,808	SH		SOLE		5,808	0	0
ISHARES TR	EXPND TEC SC ETF	464287549	383,880	1,371	SH		SOLE		1,371	0	0
ISHARES TR	CORE S&P500 ETF	464287200	232,414	605	SH		SOLE		605	0	0
JOHNSON & JOHNSON	COM	478160104	247,310	1,400	SH		SOLE		1,400	0	0
JOHNSON CTLS INTL PLC	SHS	G51502105	288,000	4,500	SH		SOLE		4,500	0	0
JPMORGAN CHASE & CO	COM	46625H100	262,836	1,960	SH		SOLE		1,960	0	0
MARSH & MCLENNAN COS INC	COM	571748102	473,273	2,860	SH		SOLE		2,860	0	0
METLIFE INC	COM	59156R108	361,850	5,000	SH		SOLE		5,000	0	0
MICROSOFT CORP	COM	594918104	1,031,226	4,300	SH		SOLE		4,300	0	0
OCCIDENTAL PETE CORP	COM	674599105	680,292	10,800	SH		SOLE		10,800	0	0
QUALCOMM INC	COM	747525103	384,790	3,500	SH		SOLE		3,500	0	0
SCHWAB CHARLES CORP	COM	808513105	749,340	9,000	SH		SOLE		9,000	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	833,047	25,863	SH		SOLE		25,863	0	0
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	540,999	22,856	SH		SOLE		22,856	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	3,817,034	9,981	SH		SOLE		9,981	0	0
STRYKER CORPORATION	COM	863667101	234,710	960	SH		SOLE		960	0	0
THERMO FISHER SCIENTIFIC INC	COM	883556102	770,966	1,400	SH		SOLE		1,400	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	265,090	500	SH		SOLE		500	0	0
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	33,619,878	95,690	SH		SOLE		95,690	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	491,281	5,956	SH		SOLE		5,956	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	6,927,348	37,743	SH		SOLE		37,743	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	21,594,443	112,948	SH		SOLE		112,948	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	4,329,062	111,059	SH		SOLE		111,059	0	0
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	7,685,697	183,124	SH		SOLE		183,124	0	0
VISA INC	COM CL A	92826C839	664,832	3,200	SH		SOLE		3,200	0	0
WELLS FARGO CO NEW	COM	949746101	289,030	7,000	SH		SOLE		7,000	0	0