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
ABRDN ETFS BBRG ALL COMD K1 003261104   45,184,844 2,175,486 SH   SOLE   2,175,486 0 0
DBX ETF TR XTRACKRS S&P 500 233051143   511,249 9,245 SH   SOLE   9,245 0 0
EA SERIES TRUST JLENS 500 JEWISH 02072Q846   7,763,888 297,975 SH   SOLE   297,975 0 0
ISHARES INC CORE MSCI EMKT 46434G103   94,323,518 1,571,273 SH   SOLE   1,571,273 0 0
ISHARES INC MSCI ISRAEL ETF 464286632   2,947,827 31,069 SH   SOLE   31,069 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   94,949,544 2,200,963 SH   SOLE   2,200,963 0 0
ISHARES TR CORE MSCI EAFE 46432F842   12,483,265 149,536 SH   SOLE   149,536 0 0
ISHARES TR GLB INFRASTR ETF 464288372   46,622,486 787,542 SH   SOLE   787,542 0 0
ISHARES TR GLOBAL REIT ETF 46434V647   45,735,088 1,851,623 SH   SOLE   1,851,623 0 0
ISHARES TR GL CLEAN ENE ETF 464288224   464,894 35,461 SH   SOLE   35,461 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   1,114,804 12,495 SH   SOLE   12,495 0 0
ISHARES TR ESG AWR US AGRGT 46435U549   3,729,846 78,457 SH   SOLE   78,457 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,881,347 13,905 SH   SOLE   13,905 0 0
ISHARES TR CORE S&P TTL STK 464287150   3,386,263 25,076 SH   SOLE   25,076 0 0
ISHARES TR MSCI EAFE ETF 464287465   9,374,866 104,876 SH   SOLE   104,876 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   9,659,624 44,764 SH   SOLE   44,764 0 0
ISHARES TR HDG MSCI EAFE 46434V803   7,624,418 200,854 SH   SOLE   200,854 0 0
ISHARES TR U.S. REAL ES ETF 464287739   2,017,748 21,291 SH   SOLE   21,291 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   2,279,581 47,255 SH   SOLE   47,255 0 0
ISHARES TR CORE S&P500 ETF 464287200   9,424,020 15,178 SH   SOLE   15,178 0 0
ISHARES TR CORE S&P MCP ETF 464287507   4,650,818 74,989 SH   SOLE   74,989 0 0
ISHARES TR CORE S&P SCP ETF 464287804   3,664,275 33,528 SH   SOLE   33,528 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   9,774,297 27,847 SH   SOLE   27,847 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   8,526 160 SH   SOLE   160 0 0
ISHARES TR ESG OPTIMIZED 464288802   969,131 7,646 SH   SOLE   7,646 0 0
ISHARES TR BROAD USD HIGH 46435U853   96,150,246 2,563,323 SH   SOLE   2,563,323 0 0
ISHARES TR US TREAS BD ETF 46429B267   11,193,029 487,077 SH   SOLE   487,077 0 0
PROGRESSIVE CORP COM 743315103   17,343,768 64,992 SH   SOLE   64,992 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   133,706,900 5,011,503 SH   SOLE   5,011,503 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   46,707,854 861,133 SH   SOLE   861,133 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   22,067,748 35,717 SH   SOLE   35,717 0 0
SPDR SERIES TRUST PORTFLI HIGH YLD 78468R606   44,139,885 1,854,617 SH   SOLE   1,854,617 0 0
SPDR SERIES TRUST PORTFOLIO CRPORT 78464A144   74,652,425 2,554,840 SH   SOLE   2,554,840 0 0
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854   70,767,786 973,556 SH   SOLE   973,556 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   87,944,365 456,356 SH   SOLE   456,356 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   464,989,358 818,600 SH   SOLE   818,600 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   116,572,932 659,573 SH   SOLE   659,573 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   1,090,440 8,114 SH   SOLE   8,114 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   110,526,036 2,234,655 SH   SOLE   2,234,655 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   170,417,520 1,326,000 SH   SOLE   1,326,000 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   3,295,902 65,564 SH   SOLE   65,564 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   380,083,698 6,354,852 SH   SOLE   6,354,852 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   366,778,958 4,423,287 SH   SOLE   4,423,287 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   365,897,293 6,519,909 SH   SOLE   6,519,909 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   401,399,475 5,049,050 SH   SOLE   5,049,050 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   72,106,484 1,226,718 SH   SOLE   1,226,718 0 0
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   189,885,748 2,455,525 SH   SOLE   2,455,525 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   214,384,338 3,760,469 SH   SOLE   3,760,469 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   45,375,483 692,544 SH   SOLE   692,544 0 0