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
Estimated average burden
hours per response: 23.8
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   2,077,985 8,298 SH   SOLE 0 8,298 0 0
COCA COLA CO COM 191216100   210,439 3,380 SH   SOLE 0 3,380 0 0
CONOCOPHILLIPS COM 20825C104   202,307 2,040 SH   SOLE 0 2,040 0 0
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   14,099,317 205,290 SH   SOLE 0 205,290 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   279,539 1,512 SH   SOLE 0 1,512 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   308,272 603 SH   SOLE 0 603 0 0
ISHARES GOLD TR ISHARES NEW 464285204   26,968,871 544,716 SH   SOLE 0 544,716 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   67,532,648 584,445 SH   SOLE 0 584,445 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   13,707,064 148,265 SH   SOLE 0 148,265 0 0
ISHARES TR CORE MSCI EAFE 46432F842   16,234,817 231,002 SH   SOLE 0 231,002 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   13,539,541 204,710 SH   SOLE 0 204,710 0 0
ISHARES TR CORE S&P TTL STK 464287150   44,704,064 347,567 SH   SOLE 0 347,567 0 0
ISHARES TR CORE S&P500 ETF 464287200   58,324,245 99,076 SH   SOLE 0 99,076 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,757,749 13,645 SH   SOLE 0 13,645 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243   1,949,818 78,940 SH   SOLE 0 78,940 0 0
ISHARES TR MSCI KLD400 SOC 464288570   7,073,750 64,161 SH   SOLE 0 64,161 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   3,488,380 39,288 SH   SOLE 0 39,288 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   18,347,760 103,031 SH   SOLE 0 103,031 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   38,266,661 95,290 SH   SOLE 0 95,290 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   292,406 2,880 SH   SOLE 0 2,880 0 0
ISHARES TR S&P 500 VAL ETF 464287408   44,914,604 235,303 SH   SOLE 0 235,303 0 0
ISHARES TR SHORT TREAS BD 464288679   20,119,785 182,724 SH   SOLE 0 182,724 0 0
ISHARES TR TIPS BD ETF 464287176   247,196 2,320 SH   SOLE 0 2,320 0 0
MICROSOFT CORP COM 594918104   415,599 986 SH   SOLE 0 986 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   1,870,666 47,515 SH   SOLE 0 47,515 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   14,986,438 113,740 SH   SOLE 0 113,740 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   27,098,792 116,544 SH   SOLE 0 116,544 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   95,625,016 163,160 SH   SOLE 0 163,160 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   30,937,124 1,036,072 SH   SOLE 0 1,036,072 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   6,459,947 22,290 SH   SOLE 0 22,290 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   22,681,298 389,847 SH   SOLE 0 389,847 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   16,535,137 243,594 SH   SOLE 0 243,594 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   543,186 9,580 SH   SOLE 0 9,580 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733   1,728,063 16,475 SH   SOLE 0 16,475 0 0