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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
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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   1,632,333 7,956 SH   SOLE 0 7,956 0 0
COCA COLA CO COM 191216100   239,135 3,380 SH   SOLE 0 3,380 0 0
ELI LILLY & CO COM 532457108   201,119 258 SH   SOLE 0 258 0 0
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   15,243,540 205,883 SH   SOLE 0 205,883 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   291,886 1,480 SH   SOLE 0 1,480 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   328,226 595 SH   SOLE 0 595 0 0
ISHARES GOLD TR ISHARES NEW 464285204   32,884,541 527,334 SH   SOLE 0 527,334 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   69,623,765 584,631 SH   SOLE 0 584,631 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   14,343,126 149,766 SH   SOLE 0 149,766 0 0
ISHARES TR CORE MSCI EAFE 46432F842   18,763,462 224,766 SH   SOLE 0 224,766 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   15,770,840 203,995 SH   SOLE 0 203,995 0 0
ISHARES TR CORE S&P TTL STK 464287150   46,573,897 344,890 SH   SOLE 0 344,890 0 0
ISHARES TR CORE S&P500 ETF 464287200   61,119,935 98,438 SH   SOLE 0 98,438 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,727,781 12,770 SH   SOLE 0 12,770 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243   1,877,430 74,590 SH   SOLE 0 74,590 0 0
ISHARES TR ESG MSCI KLD 400 464288570   6,905,828 59,451 SH   SOLE 0 59,451 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   3,891,121 41,452 SH   SOLE 0 41,452 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   18,803,220 102,851 SH   SOLE 0 102,851 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   40,361,958 95,063 SH   SOLE 0 95,063 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   317,088 2,880 SH   SOLE 0 2,880 0 0
ISHARES TR S&P 500 VAL ETF 464287408   45,756,843 234,146 SH   SOLE 0 234,146 0 0
ISHARES TR SHORT TREAS BD 464288679   20,599,007 186,551 SH   SOLE 0 186,551 0 0
ISHARES TR TIPS BD ETF 464287176   255,293 2,320 SH   SOLE 0 2,320 0 0
MICROSOFT CORP COM 594918104   497,907 1,001 SH   SOLE 0 1,001 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   1,901,055 45,355 SH   SOLE 0 45,355 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   16,340,017 110,765 SH   SOLE 0 110,765 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   28,959,893 114,362 SH   SOLE 0 114,362 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   98,049,971 158,695 SH   SOLE 0 158,695 0 0
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474   32,002,199 1,060,026 SH   SOLE 0 1,060,026 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   6,483,622 21,333 SH   SOLE 0 21,333 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   23,630,016 402,008 SH   SOLE 0 402,008 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   19,530,209 243,792 SH   SOLE 0 243,792 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   893,617 13,643 SH   SOLE 0 13,643 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733   2,640,131 24,080 SH   SOLE 0 24,080 0 0