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   2,145,749 7,416 SH   SOLE 0 7,416 0 0
CATERPILLAR INC COM 149123101   270,485 254 SH   SOLE 0 254 0 0
COCA COLA CO COM 191216100   245,435 3,020 SH   SOLE 0 3,020 0 0
ELI LILLY & CO COM 532457108   315,450 263 SH   SOLE 0 263 0 0
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   17,174,245 224,324 SH   SOLE 0 224,324 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   339,840 1,190 SH   SOLE 0 1,190 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   477,924 649 SH   SOLE 0 649 0 0
ISHARES GOLD TR ISHARES NEW 464285204   41,921,499 555,178 SH   SOLE 0 555,178 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   78,359,058 667,170 SH   SOLE 0 667,170 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   14,616,279 154,555 SH   SOLE 0 154,555 0 0
ISHARES TR CORE MSCI EAFE 46432F842   22,752,167 235,578 SH   SOLE 0 235,578 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   20,606,355 215,909 SH   SOLE 0 215,909 0 0
ISHARES TR CORE S&P TTL STK 464287150   58,965,570 358,955 SH   SOLE 0 358,955 0 0
ISHARES TR CORE S&P500 ETF 464287200   82,984,611 110,810 SH   SOLE 0 110,810 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   2,027,871 12,390 SH   SOLE 0 12,390 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243   1,896,741 75,900 SH   SOLE 0 75,900 0 0
ISHARES TR ESG MSCI KLD ETF 464288570   8,141,718 57,179 SH   SOLE 0 57,179 0 0
ISHARES TR MSCI USA MIN ETF 46429B697   3,821,584 39,618 SH   SOLE 0 39,618 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   23,226,556 105,850 SH   SOLE 0 105,850 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   49,725,122 400,460 SH   SOLE 0 400,460 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   424,693 3,088 SH   SOLE 0 3,088 0 0
ISHARES TR S&P 500 VAL ETF 464287408   56,735,217 249,869 SH   SOLE 0 249,869 0 0
ISHARES TR TIPS BD ETF 464287176   253,878 2,320 SH   SOLE 0 2,320 0 0
JOHNSON & JOHNSON COM 478160104   272,510 1,073 SH   SOLE 0 1,073 0 0
MICROSOFT CORP COM 594918104   355,675 954 SH   SOLE 0 954 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   2,231,804 44,645 SH   SOLE 0 44,645 0 0
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704   21,253,278 114,740 SH   SOLE 0 114,740 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803   44,556,537 233,868 SH   SOLE 0 233,868 0 0
SPDR SERIES TRUST ST SHOR CORP ETF 78464A474   37,235,100 1,240,756 SH   SOLE 0 1,240,756 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103   111,970,051 149,939 SH   SOLE 0 149,939 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   7,394,582 19,983 SH   SOLE 0 19,983 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   25,065,983 430,687 SH   SOLE 0 430,687 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   24,908,981 253,656 SH   SOLE 0 253,656 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   1,108,132 13,458 SH   SOLE 0 13,458 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733   3,157,891 23,880 SH   SOLE 0 23,880 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   532,342 4,454 SH   SOLE 0 4,454 0 0