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
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
APPLE INC COM 037833100   1,223,681 7,136 SH   SOLE 0 7,136 0 0
COCA COLA CO COM 191216100   202,506 3,310 SH   SOLE 0 3,310 0 0
CONOCOPHILLIPS COM 20825C104   259,651 2,040 SH   SOLE 0 2,040 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   229,109 516 SH   SOLE 0 516 0 0
ISHARES GOLD TR ISHARES NEW 464285204   26,464,148 629,949 SH   SOLE 0 629,949 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   44,543,305 384,624 SH   SOLE 0 384,624 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   24,914,287 263,198 SH   SOLE 0 263,198 0 0
ISHARES TR CORE MSCI EAFE 46432F842   29,699,974 400,161 SH   SOLE 0 400,161 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   13,563,099 199,869 SH   SOLE 0 199,869 0 0
ISHARES TR CORE S&P TTL STK 464287150   40,014,162 347,044 SH   SOLE 0 347,044 0 0
ISHARES TR CORE S&P500 ETF 464287200   50,046,944 95,195 SH   SOLE 0 95,195 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,568,054 13,640 SH   SOLE 0 13,640 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243   1,918,253 78,360 SH   SOLE 0 78,360 0 0
ISHARES TR MSCI KLD400 SOC 464288570   6,521,399 64,690 SH   SOLE 0 64,690 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   3,329,324 39,834 SH   SOLE 0 39,834 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   17,000,161 103,439 SH   SOLE 0 103,439 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   20,989,624 62,275 SH   SOLE 0 62,275 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   302,717 3,585 SH   SOLE 0 3,585 0 0
ISHARES TR S&P 500 VAL ETF 464287408   43,658,383 233,705 SH   SOLE 0 233,705 0 0
ISHARES TR SHORT TREAS BD 464288679   19,479,338 176,220 SH   SOLE 0 176,220 0 0
ISHARES TR TIPS BD ETF 464287176   249,191 2,320 SH   SOLE 0 2,320 0 0
MICROSOFT CORP COM 594918104   386,642 919 SH   SOLE 0 919 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   1,836,912 47,270 SH   SOLE 0 47,270 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   14,612,845 116,012 SH   SOLE 0 116,012 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   24,579,810 118,019 SH   SOLE 0 118,019 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   88,627,015 169,436 SH   SOLE 0 169,436 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   29,407,096 987,810 SH   SOLE 0 987,810 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   6,451,484 24,823 SH   SOLE 0 24,823 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   5,189,426 89,365 SH   SOLE 0 89,365 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   16,350,757 237,656 SH   SOLE 0 237,656 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   526,713 9,165 SH   SOLE 0 9,165 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733   1,496,631 16,060 SH   SOLE 0 16,060 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   15,270,324 56,448 SH   SOLE 0 56,448 0 0