Walker Financial Services 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
APPLE INC	COM	037833100	496,559	2,560	SH		SOLE		2,560	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	2,258,784	6,624	SH		SOLE		6,624	0	0
CHEVRON CORP NEW	COM	166764100	249,294	1,584	SH		SOLE		1,584	0	0
CHURCHILL DOWNS INC	COM	171484108	224,429	1,613	SH		SOLE		1,613	0	0
COCA COLA CO	COM	191216100	1,307,461	21,711	SH		SOLE		21,711	0	0
FIDELITY COVINGTON TRUST	CONSMR STAPLES	316092303	5,892,894	129,742	SH		SOLE		129,742	0	0
HOME DEPOT INC	COM	437076102	256,107	824	SH		SOLE		824	0	0
HUMANA INC	COM	444859102	341,961	765	SH		SOLE		765	0	0
INTEL CORP	COM	458140100	1,091,626	32,644	SH		SOLE		32,644	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	1,816,063	4,916	SH		SOLE		4,916	0	0
ISHARES TR	0-5 YR TIPS ETF	46429B747	19,507,589	199,873	SH		SOLE		199,873	0	0
ISHARES TR	SHORT TREAS BD	464288679	442,549	4,007	SH		SOLE		4,007	0	0
MICROSOFT CORP	COM	594918104	3,212,548	9,434	SH		SOLE		9,434	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	12,017,487	229,210	SH		SOLE		229,210	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	20,662,113	284,524	SH		SOLE		284,524	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	217,546	4,208	SH		SOLE		4,208	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	782,987	14,951	SH		SOLE		14,951	0	0
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	517,627	10,770	SH		SOLE		10,770	0	0
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	455,449	9,867	SH		SOLE		9,867	0	0
SPDR SER TR	PORTFOLIO SHORT	78464A474	21,523,498	731,097	SH		SOLE		731,097	0	0
SPDR SER TR	PORTFOLIO INTRMD	78464A375	2,932,030	91,312	SH		SOLE		91,312	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	388,798	2,146	SH		SOLE		2,146	0	0
VANGUARD STAR FDS	VG TL INTL STK F	921909768	4,131,372	73,669	SH		SOLE		73,669	0	0
WALMART INC	COM	931142103	497,104	3,163	SH		SOLE		3,163	0	0