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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
OMB APPROVAL
OMB Number: 3235-0006
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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
ISHARES CORE U.S. AGGREGATE BOND ETF COM 464287226   46,811,858 471,656 SH   SOLE 0 471,656 0 0
ISHARES CORE S P SMALL CAP ETF COM 464287804   9,809,074 90,615 SH   SOLE 0 90,615 0 0
ISHARES NATIONAL MUNI BOND ETF COM 464288414   13,197,725 121,739 SH   SOLE 0 121,739 0 0
ISHARES SHORT TREASURY BOND ETF COM 464288679   8,292,459 75,297 SH   SOLE 0 75,297 0 0
ISHARES CORE MSCI EAFE ETF COM 46432F842   12,954,601 184,145 SH   SOLE 0 184,145 0 0
ISHARES CORE MSCI EMERGING MKTS ETF COM 46434G103   3,231,202 63,883 SH   SOLE 0 63,883 0 0
VANGUARD SHORT TERM CORPORATE ETF COM 92206C409   61,211,508 791,153 SH   SOLE 0 791,153 0 0
VANGUARD S P 500 ETF COM 922908363   225,374,386 515,967 SH   SOLE 0 515,967 0 0
INVESCO QQQ TRUST ETF COM 46090E103   3,990,772 9,745 SH   SOLE 0 9,745 0 0
FRANKLIN FTSE JAPAN ETF COM 35473P744   3,865,223 138,093 SH   SOLE 0 138,093 0 0
SPDR PORTFOLIO S P 500 ETF COM 78464A854   3,938,155 70,450 SH   SOLE 0 70,450 0 0
ISHARES IBOXX HIGH YIELD ETF COM 464288513   3,879,019 50,123 SH   SOLE 0 50,123 0 0
ABRDN PHYSICAL GOLD SHARES ETF COM 00326A104   3,818,861 193,458 SH   SOLE 0 193,458 0 0
VANGUARD FTSE EUROPE INDEX FUND ETF COM 922042874   3,949,722 61,255 SH   SOLE 0 61,255 0 0
ISHARES SHORT TREASURY BOND ETF COM 464288679   2,202,600 20,000 SH   SOLE 0 20,000 0 0