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
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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   1,752,828 7,891 SH   SOLE 0 7,891 0 0
COCA COLA CO COM 191216100   242,076 3,380 SH   SOLE 0 3,380 0 0
CONOCOPHILLIPS COM 20825C104   214,241 2,040 SH   SOLE 0 2,040 0 0
ELI LILLY & CO COM 532457108   213,085 258 SH   SOLE 0 258 0 0
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   14,203,284 204,305 SH   SOLE 0 204,305 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   244,324 1,515 SH   SOLE 0 1,515 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   276,663 590 SH   SOLE 0 590 0 0
ISHARES GOLD TR ISHARES NEW 464285204   31,436,330 533,181 SH   SOLE 0 533,181 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   68,633,452 580,975 SH   SOLE 0 580,975 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   14,151,490 148,385 SH   SOLE 0 148,385 0 0
ISHARES TR CORE MSCI EAFE 46432F842   17,156,508 226,788 SH   SOLE 0 226,788 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   14,228,348 203,815 SH   SOLE 0 203,815 0 0
ISHARES TR CORE S&P TTL STK 464287150   41,755,662 342,231 SH   SOLE 0 342,231 0 0
ISHARES TR CORE S&P500 ETF 464287200   54,794,042 97,516 SH   SOLE 0 97,516 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,654,928 13,575 SH   SOLE 0 13,575 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243   1,990,703 79,660 SH   SOLE 0 79,660 0 0
ISHARES TR ESG MSCI KLD 400 464288570   6,520,547 63,671 SH   SOLE 0 63,671 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   3,713,430 39,648 SH   SOLE 0 39,648 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   17,459,319 102,167 SH   SOLE 0 102,167 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   34,066,768 94,344 SH   SOLE 0 94,344 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   267,350 2,880 SH   SOLE 0 2,880 0 0
ISHARES TR S&P 500 VAL ETF 464287408   44,251,468 232,194 SH   SOLE 0 232,194 0 0
ISHARES TR SHORT TREAS BD 464288679   20,247,308 183,300 SH   SOLE 0 183,300 0 0
ISHARES TR TIPS BD ETF 464287176   257,729 2,320 SH   SOLE 0 2,320 0 0
MICROSOFT CORP COM 594918104   370,135 986 SH   SOLE 0 986 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   1,921,251 47,450 SH   SOLE 0 47,450 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   14,610,866 111,474 SH   SOLE 0 111,474 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   23,673,348 114,652 SH   SOLE 0 114,652 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   89,834,312 160,593 SH   SOLE 0 160,593 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   31,202,186 1,036,617 SH   SOLE 0 1,036,617 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,956,777 21,674 SH   SOLE 0 21,674 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   23,038,994 392,554 SH   SOLE 0 392,554 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   17,838,739 242,078 SH   SOLE 0 242,078 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   564,144 9,565 SH   SOLE 0 9,565 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733   1,622,052 16,560 SH   SOLE 0 16,560 0 0