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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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   1,480,171 7,688 SH   SOLE 0 7,688 0 0
CONOCOPHILLIPS COM 20825C104   236,783 2,040 SH   SOLE 0 2,040 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   206,398 504 SH   SOLE 0 504 0 0
ISHARES GOLD TR ISHARES NEW 464285204   24,444,558 626,302 SH   SOLE 0 626,302 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   43,992,739 375,589 SH   SOLE 0 375,589 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   24,783,664 257,119 SH   SOLE 0 257,119 0 0
ISHARES TR CORE MSCI EAFE 46432F842   27,455,096 390,264 SH   SOLE 0 390,264 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   12,783,505 196,881 SH   SOLE 0 196,881 0 0
ISHARES TR CORE S&P TTL STK 464287150   32,836,343 312,044 SH   SOLE 0 312,044 0 0
ISHARES TR CORE S&P500 ETF 464287200   44,885,826 93,976 SH   SOLE 0 93,976 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,445,798 13,780 SH   SOLE 0 13,780 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243   1,926,209 78,685 SH   SOLE 0 78,685 0 0
ISHARES TR MSCI KLD400 SOC 464288570   6,027,055 66,195 SH   SOLE 0 66,195 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   3,142,579 40,274 SH   SOLE 0 40,274 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   9,448,167 64,212 SH   SOLE 0 64,212 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   7,792,533 25,704 SH   SOLE 0 25,704 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   273,740 3,645 SH   SOLE 0 3,645 0 0
ISHARES TR S&P 500 VAL ETF 464287408   51,876,212 298,328 SH   SOLE 0 298,328 0 0
ISHARES TR SHORT TREAS BD 464288679   18,917,560 171,775 SH   SOLE 0 171,775 0 0
ISHARES TR TIPS BD ETF 464287176   249,377 2,320 SH   SOLE 0 2,320 0 0
MICROSOFT CORP COM 594918104   353,102 939 SH   SOLE 0 939 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   1,715,026 47,759 SH   SOLE 0 47,759 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   13,146,728 115,332 SH   SOLE 0 115,332 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   19,619,865 101,932 SH   SOLE 0 101,932 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   81,265,525 170,974 SH   SOLE 0 170,974 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   28,896,925 970,347 SH   SOLE 0 970,347 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788   15,483,716 395,094 SH   SOLE 0 395,094 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,961,089 25,129 SH   SOLE 0 25,129 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   5,229,285 89,650 SH   SOLE 0 89,650 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   15,595,452 234,553 SH   SOLE 0 234,553 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   14,058,514 56,077 SH   SOLE 0 56,077 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   510,511 9,235 SH   SOLE 0 9,235 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733   1,371,167 16,120 SH   SOLE 0 16,120 0 0