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   1,841,754 7,257 SH   SOLE 0 7,257 0 0
COCA COLA CO COM 191216100   224,348 2,950 SH   SOLE 0 2,950 0 0
ELI LILLY & CO COM 532457108   226,263 246 SH   SOLE 0 246 0 0
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   15,322,730 218,273 SH   SOLE 0 218,273 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   274,626 1,320 SH   SOLE 0 1,320 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   362,469 628 SH   SOLE 0 628 0 0
ISHARES GOLD TR ISHARES NEW 464285204   47,125,719 534,548 SH   SOLE 0 534,548 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   75,831,712 639,390 SH   SOLE 0 639,390 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   14,658,356 153,587 SH   SOLE 0 153,587 0 0
ISHARES TR CORE MSCI EAFE 46432F842   20,986,388 231,817 SH   SOLE 0 231,817 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   18,402,321 212,400 SH   SOLE 0 212,400 0 0
ISHARES TR CORE S&P TTL STK 464287150   50,309,865 353,225 SH   SOLE 0 353,225 0 0
ISHARES TR CORE S&P500 ETF 464287200   69,904,718 107,017 SH   SOLE 0 107,017 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,738,759 12,295 SH   SOLE 0 12,295 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243   1,887,269 75,295 SH   SOLE 0 75,295 0 0
ISHARES TR ESG MSCI KLD 400 464288570   6,809,303 56,187 SH   SOLE 0 56,187 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   3,777,345 40,730 SH   SOLE 0 40,730 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   20,023,046 104,390 SH   SOLE 0 104,390 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   41,900,306 98,265 SH   SOLE 0 98,265 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   321,232 2,840 SH   SOLE 0 2,840 0 0
ISHARES TR S&P 500 VAL ETF 464287408   51,737,445 245,027 SH   SOLE 0 245,027 0 0
ISHARES TR TIPS BD ETF 464287176   256,035 2,320 SH   SOLE 0 2,320 0 0
JOHNSON & JOHNSON COM 478160104   263,506 1,078 SH   SOLE 0 1,078 0 0
MICROSOFT CORP COM 594918104   325,379 879 SH   SOLE 0 879 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   2,011,328 44,205 SH   SOLE 0 44,205 0 0
SELECT SECTOR SPDR TR STATE STREET IND 81369Y704   18,274,428 112,993 SH   SOLE 0 112,993 0 0
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803   30,753,064 231,400 SH   SOLE 0 231,400 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A474   35,940,242 1,195,219 SH   SOLE 0 1,195,219 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103   97,858,470 150,473 SH   SOLE 0 150,473 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   6,539,134 20,383 SH   SOLE 0 20,383 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   24,661,585 421,278 SH   SOLE 0 421,278 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   23,621,372 250,651 SH   SOLE 0 250,651 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   958,887 13,368 SH   SOLE 0 13,368 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733   2,661,922 23,710 SH   SOLE 0 23,710 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   206,525 296 SH   SOLE 0 296 0 0