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
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
DBX ETF TR XTRACKRS S&P 500 233051143   466,226 9,245 SH   SOLE   9,245 0 0
EA SERIES TRUST JLENS 500 JEWISH 02072Q846   6,993,473 297,975 SH   SOLE   297,975 0 0
ISHARES INC CORE MSCI EMKT 46434G103   84,188,503 1,559,913 SH   SOLE   1,559,913 0 0
ISHARES INC MSCI ISRAEL ETF 464286632   2,310,291 31,069 SH   SOLE   31,069 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   93,584,947 2,200,963 SH   SOLE   2,200,963 0 0
ISHARES TR CORE MSCI EAFE 46432F842   9,784,876 129,344 SH   SOLE   129,344 0 0
ISHARES TR GLB INFRASTR ETF 464288372   38,805,313 709,810 SH   SOLE   709,810 0 0
ISHARES TR GLOBAL REIT ETF 46434V647   37,895,503 1,562,057 SH   SOLE   1,562,057 0 0
ISHARES TR GL CLEAN ENE ETF 464288224   404,965 35,461 SH   SOLE   35,461 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   1,020,716 12,495 SH   SOLE   12,495 0 0
ISHARES TR ESG AWR US AGRGT 46435U549   5,901,384 124,292 SH   SOLE   124,292 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,695,159 13,905 SH   SOLE   13,905 0 0
ISHARES TR CORE S&P TTL STK 464287150   3,059,523 25,076 SH   SOLE   25,076 0 0
ISHARES TR MSCI EAFE ETF 464287465   8,574,457 104,912 SH   SOLE   104,912 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   8,929,971 44,764 SH   SOLE   44,764 0 0
ISHARES TR HDG MSCI EAFE 46434V803   7,293,310 200,973 SH   SOLE   200,973 0 0
ISHARES TR U.S. REAL ES ETF 464287739   2,037,178 21,276 SH   SOLE   21,276 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   2,070,814 47,387 SH   SOLE   47,387 0 0
ISHARES TR CORE S&P500 ETF 464287200   8,528,521 15,178 SH   SOLE   15,178 0 0
ISHARES TR CORE S&P MCP ETF 464287507   4,375,608 74,989 SH   SOLE   74,989 0 0
ISHARES TR CORE S&P SCP ETF 464287804   3,507,592 33,543 SH   SOLE   33,543 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   4,484,123 14,117 SH   SOLE   14,117 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   9,401 179 SH   SOLE   179 0 0
ISHARES TR MSCI USA ESG SLC 464288802   910,230 7,924 SH   SOLE   7,924 0 0
ISHARES TR BROAD USD HIGH 46435U853   94,355,920 2,563,323 SH   SOLE   2,563,323 0 0
PROGRESSIVE CORP COM 743315103   20,484,264 72,380 SH   SOLE   72,380 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   154,248,731 5,736,286 SH   SOLE   5,736,286 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   38,919,893 730,890 SH   SOLE   730,890 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   20,020,008 35,789 SH   SOLE   35,789 0 0
SPDR SER TR PORTFLI HIGH YLD 78468R606   31,448,165 1,342,791 SH   SOLE   1,342,791 0 0
SPDR SER TR PORTFOLIO CRPORT 78464A144   91,279,406 3,144,313 SH   SOLE   3,144,313 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   76,002,145 441,206 SH   SOLE   441,206 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   400,295,291 778,921 SH   SOLE   778,921 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   131,483,815 761,166 SH   SOLE   761,166 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   937,978 8,114 SH   SOLE   8,114 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   95,651,352 2,113,375 SH   SOLE   2,113,375 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   153,749,700 1,326,000 SH   SOLE   1,326,000 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   3,271,644 65,564 SH   SOLE   65,564 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   377,478,209 6,354,852 SH   SOLE   6,354,852 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   351,544,208 4,299,709 SH   SOLE   4,299,709 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   366,242,498 6,357,273 SH   SOLE   6,357,273 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   384,040,732 4,864,970 SH   SOLE   4,864,970 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   71,996,079 1,226,718 SH   SOLE   1,226,718 0 0
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   188,584,320 2,455,525 SH   SOLE   2,455,525 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   144,398,270 2,840,808 SH   SOLE   2,840,808 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   39,864,649 644,121 SH   SOLE   644,121 0 0