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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
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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
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   46,656,448 634,350 SH   SOLE   0 0 634,350
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   38,339,774 497,790 SH   SOLE   0 0 497,790
VANECK ETF TR HIGH YLD MUNIETF 92189H409   3,361,992 65,117 SH   SOLE   0 0 65,117
ISHARES TR IBOXX HI YD ETF 464288513   3,638,268 47,012 SH   SOLE   0 0 47,012
ISHARES TR NATIONAL MUN ETF 464288414   40,838,480 376,704 SH   SOLE   0 0 376,704
TIDAL ETF TR SOFI SELCT 500 886364207   465,863,109 27,500,774 SH   SOLE   0 0 27,500,774
TIDAL ETF TR SOFI NEXT 500 886364306   53,310,508 4,171,401 SH   SOLE   0 0 4,171,401
VANGUARD INDEX FDS SMALL CP ETF 922908751   27,129,831 127,173 SH   SOLE   0 0 127,173
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   187,043,259 3,904,870 SH   SOLE   0 0 3,904,870
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   6,866,947 144,598 SH   SOLE   0 0 144,598
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   60,001,406 1,459,888 SH   SOLE   0 0 1,459,888