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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
OMB APPROVAL
OMB Number: 3235-0006
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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
ABRDN ETFS BBRG ALL COMD K1 003261104   13,572,173 701,042 SH   SOLE   701,042 0 0
ISHARES INC CORE MSCI EMKT 46434G103   3,899,212 77,090 SH   SOLE   77,090 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   19,656 378 SH   SOLE   2,889 0 0
ISHARES TR MSCI USA ESG SLC 464288802   470,789 4,684 SH   SOLE   4,684 0 0
ISHARES TR GL CLEAN ENE ETF 464288224   552,128 35,461 SH   SOLE   35,461 0 0
ISHARES TR MSCI ISRAEL ETF 464286632   1,807,934 31,069 SH   SOLE   31,069 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,931,165 48,027 SH   SOLE   48,027 0 0
ISHARES TR U.S. REAL ES ETF 464287739   2,062,393 22,562 SH   SOLE   22,562 0 0
ISHARES TR CORE MSCI EAFE 46432F842   3,249,959 46,197 SH   SOLE   42,097 0 0
ISHARES TR CORE S&P SCP ETF 464287804   3,701,071 34,190 SH   SOLE   34,190 0 0
ISHARES TR CORE S&P MCP ETF 464287507   4,014,519 14,485 SH   SOLE   14,485 0 0
ISHARES TR HDG MSCI EAFE 46434V803   6,261,162 198,704 SH   SOLE   198,704 0 0
ISHARES TR CORE S&P500 ETF 464287200   7,540,822 15,788 SH   SOLE   15,788 0 0
ISHARES TR MSCI EAFE ETF 464287465   7,752,233 102,883 SH   SOLE   102,883 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   7,887,703 39,299 SH   SOLE   39,299 0 0
ISHARES TR ESG AWR US AGRGT 46435U549   8,735,036 182,971 SH   SOLE   182,971 0 0
ISHARES TR GLB INFRASTR ETF 464288372   17,023,113 361,809 SH   SOLE   361,809 0 0
ISHARES TR GLOBAL REIT ETF 46434V647   18,694,598 773,143 SH   SOLE   773,143 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   37,628,913 891,258 SH   SOLE   891,258 0 0
ISHARES TR BROAD USD HIGH 46435U853   42,243,098 1,162,121 SH   SOLE   1,162,121 0 0
PROGRESSIVE CORP COM 743315103   15,919,240 99,945 SH   SOLE   99,945 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   78,399,180 1,501,900 SH   SOLE   1,501,900 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   15,094,619 266,454 SH   SOLE   266,454 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   16,880,635 35,515 SH   SOLE   35,515 0 0
SPDR SER TR PORTFOLI HIGH YLD 78468R606   93,512,261 3,999,669 SH   SOLE   3,999,669 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   42,124,733 256,202 SH   SOLE   256,202 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   66,354,379 443,842 SH   SOLE   443,842 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   139,485,965 319,336 SH   SOLE   319,336 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   83,103,131 2,021,974 SH   SOLE   2,021,974 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,690,834 35,604 SH   SOLE   35,604 0 0
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   81,785,658 1,055,435 SH   SOLE   1,055,435 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   86,978,008 1,413,587 SH   SOLE   1,413,587 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   111,622,330 1,913,635 SH   SOLE   1,913,635 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   163,909,817 2,016,607 SH   SOLE   2,016,607 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   263,750,305 4,446,229 SH   SOLE   4,446,229 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   268,503,456 3,470,382 SH   SOLE   3,470,382 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   73,143,396 1,527,002 SH   SOLE   1,527,002 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   15,622,506 381,875 SH   SOLE   381,875 0 0