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
INVESCO EXCHANGE TRADED FD T INVESCO MSCI 46137V407   26,615 543 SH   SOLE   543 0 0
ISHARES INC MSCI ISRAEL ETF 464286632   1,664,698 31,069 SH   SOLE   31,069 0 0
ISHARES INC CORE MSCI EMKT 46434G103   35,667,526 723,626 SH   SOLE   723,626 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   135,337 1,401 SH   SOLE   1,401 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   185,288 3,664 SH   SOLE   3,664 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   591,025 8,104 SH   SOLE   8,104 0 0
ISHARES TR GL CLEAN ENE ETF 464288224   652,482 35,461 SH   SOLE   35,461 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   704,052 7,224 SH   SOLE   7,224 0 0
ISHARES TR MSCI USA ESG SLC 464288802   1,127,426 12,040 SH   SOLE   12,040 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,899,948 48,027 SH   SOLE   48,027 0 0
ISHARES TR U.S. REAL ES ETF 464287739   1,952,516 22,562 SH   SOLE   22,562 0 0
ISHARES TR CORE S&P SCP ETF 464287804   3,450,183 34,623 SH   SOLE   34,623 0 0
ISHARES TR CORE S&P MCP ETF 464287507   3,787,538 14,485 SH   SOLE   14,485 0 0
ISHARES TR HDG MSCI EAFE 46434V803   6,464,399 208,529 SH   SOLE   208,529 0 0
ISHARES TR CORE S&P500 ETF 464287200   7,232,091 16,226 SH   SOLE   16,226 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   7,359,524 39,299 SH   SOLE   39,299 0 0
ISHARES TR MSCI EAFE ETF 464287465   7,459,022 102,883 SH   SOLE   102,883 0 0
ISHARES TR ESG AWR US AGRGT 46435U549   9,903,342 209,950 SH   SOLE   209,950 0 0
ISHARES TR CORE MSCI EAFE 46432F842   132,960,083 1,969,779 SH   SOLE   1,969,779 0 0
ISHARES TR CORE US AGGBD ET 464287226   243,259,315 2,483,505 SH   SOLE   2,483,505 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS DEV 46641Q233   196,295 4,104 SH   SOLE   4,104 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA 46641Q225   289,883 4,732 SH   SOLE   4,732 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS EUR 46641Q191   309,458 5,718 SH   SOLE   5,718 0 0
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217   351,761 6,825 SH   SOLE   6,825 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   91,441 2,639 SH   SOLE   2,639 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   274,995 5,245 SH   SOLE   5,245 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   300,857 6,260 SH   SOLE   6,260 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,895,891 36,671 SH   SOLE   36,671 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   15,977,584 36,044 SH   SOLE   36,044 0 0
SPDR SER TR S&P BIOTECH 78464A870   124,800 1,500 SH   SOLE   1,500 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   734,941 5,172 SH   SOLE   5,172 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   228,773,656 561,711 SH   SOLE   561,711 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   2,267,198 23,378 SH   SOLE   23,378 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   14,507,574 356,627 SH   SOLE   356,627 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,688,342 35,604 SH   SOLE   35,604 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   188,977 3,763 SH   SOLE   3,763 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   99,604 1,698 SH   SOLE   1,698 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   112,619,835 1,488,499 SH   SOLE   1,488,499 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   60,034 1,300 SH   SOLE   1,300 0 0