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
Estimated average burden
hours per response: 23.8
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   227,024 1,326 SH   SOLE   0 0 1,326
COTERRA ENERGY INC COM 127097103   226,598 8,377 SH   SOLE   8,377 0 0
ESSEX PPTY TR COM 297178105   358,008 1,688 SH   SOLE   1,688 0 0
ISHARES TR COHEN STEER REIT 464287564   2,142,033 42,704 SH   SOLE   42,704 0 0
MICROSOFT CORP COM 594918104   1,239,319 3,925 SH   SOLE   2,528 0 1,397
OLD DOMINION FREIGHT LINE IN COM 679580100   2,619,007 6,401 SH   SOLE   6,401 0 0
PUBLIC STORAGE COM 74460D109   228,084 866 SH   SOLE   847 0 19
VESTAS WIND SYSTEMS A/S COM 925458101   77,438 10,953 SH   SOLE   10,953 0 0
SCHWAB MUTUAL FUND VALUE ADVANTAGE MONEY 808515605   424,377 424,377 SH   SOLE   0 0 424,377
EXTRA SPACE STORAGE INC COM 30225T102   264,412 2,175 SH   SOLE   2,159 0 16
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100   2,438,285 163,096 SH   SOLE   163,096 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   5,482,606 15,303 SH   SOLE   15,303 0 0
INVESCO EXCHANGE TRADED FD T S&P SML600 VAL 46137v167   249,851 2,743 SH   SOLE   2,743 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,539,373 16,392 SH   SOLE   0 0 16,392
ISHARES INC MSCI JPN ETF NEW 46434G822   828,987 13,750 SH   SOLE   13,750 0 0
ISHARES TR MRNGSTR LG-CP ET 464287127   334,998 5,688 SH   SOLE   5,688 0 0
ISHARES TR CORE MSCI EAFE 46432F842   386,100 6,000 SH   SOLE   6,000 0 0
ISHARES TR CORE S&P TTL STK 464287150   2,371,422 25,177 SH   SOLE   25,177 0 0
ISHARES TR CORE S&P US VLU 464287663   335,790 4,500 SH   SOLE   4,500 0 0
ISHARES TR EAFE SML CP ETF 464288273   894,993 15,849 SH   SOLE   0 0 15,849
ISHARES TR MIN VOL USA ETF 46429B697   4,044,956 55,885 SH   SOLE   55,885 0 0
ISHARES TR NASDAQ BIOTECH 464287556   1,867,124 15,268 SH   SOLE   15,268 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   3,186,445 18,029 SH   SOLE   689 0 17,340
ISHARES TR CORE S&P500 ETF 464287200   4,251,357 9,900 SH   SOLE   0 0 9,900
ISHARES TR GLB INFRASTR ETF 464288372   503,722 11,636 SH   SOLE   6,343 0 5,293
ISHARES TR PFD AND INCM SEC 464288687   612,370 20,311 SH   SOLE   7,883 0 12,428
ISHARES TR ESG AW MSCI EAFE 46435G516   1,111,037 16,072 SH   SOLE   0 0 16,072
J P MORGAN EXCHANGE TRADED F BETABUILDERS EUR 46641Q191   967,041 19,025 SH   SOLE   0 0 19,025
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   555,837 7,855 SH   SOLE   7,855 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   322,540 2,004 SH   SOLE   2,004 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y308   900,586 13,088 SH   SOLE   13,088 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,202,045 9,337 SH   SOLE   0 0 9,337
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   254,480 2,510 SH   SOLE   2,510 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,406,028 8,577 SH   SOLE   0 0 8,577
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y886   1,592,123 27,017 SH   SOLE   27,017 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   668,272 8,508 SH   SOLE   2,202 0 6,306
SPDR DOW JONES INDL AVERAGE UT SER 1 78467x109   366,100 1,093 SH   SOLE   1,093 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,560,536 15,347 SH   SOLE   15,347 0 0
SPDR SER TR S&P BIOTECH 78464A870   1,037,614 14,210 SH   SOLE   14,210 0 0
SPDR SER TR S&P HOMEBUILD 78464A888   1,494,758 19,521 SH   SOLE   19,521 0 0
VANECK VECTORS ETF TR AGRIBUSINESS ETF 92189F700   1,913,748 24,317 SH   SOLE   24,317 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,753,308 11,284 SH   SOLE   11,284 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   358,325 2,500 SH   SOLE   2,500 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   5,831,159 21,414 SH   SOLE   5,949 0 15,465
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,051,015 8,025 SH   SOLE   8,025 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   2,918,758 14,016 SH   SOLE   6,022 0 7,994
VANGUARD INDEX FDS REIT ETF 922908553   1,850,492 24,458 SH   SOLE   22,500 0 1,958
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,412,956 8,691 SH   SOLE   8,691 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,901,036 24,459 SH   SOLE   24,459 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,502,500 13,236 SH   SOLE   5,113 0 8,123
VANGUARD INDEX FDS STK MRK ETF 922908769   46,367,103 218,291 SH   SOLE   98,325 0 119,965
VANGUARD INDEX FDS VALUE ETF 922908744   9,486,250 68,776 SH   SOLE   17,060 0 51,716
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   357,746 6,897 SH   SOLE   4,324 0 2,573
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042718   5,875,414 55,324 SH   SOLE   51,072 0 4,252
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   2,441,456 62,714 SH   SOLE   18,790 0 43,924
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042742   3,293,258 35,343 SH   SOLE   35,147 0 196
VANGUARD INTL EQUITY INDEX F EMR MKT ETF 922042858   1,181,672 30,137 SH   SOLE   8,220 0 21,917
VANGUARD INTL EQUITY INDEX F EMR MKT ETF 922042874   4,253,221 73,420 SH   SOLE   32,024 0 41,396
VANGUARD WORLD FD MEGA GRWTH IND 921910816   497,827 2,194 SH   SOLE   2,194 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   10,114,460 231,346 SH   SOLE   177,138 0 54,208
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,445,160 23,666 SH   SOLE   23,666 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A207   1,087,435 5,953 SH   SOLE   3,500 0 2,453
VANGUARD WORLD FDS CONSUM STP ETF 92204A504   3,509,808 14,929 SH   SOLE   13,800 0 1,129
VANGUARD WORLD FDS HEALTH CAR ETF 92204A801   1,359,630 7,881 SH   SOLE   5,800 0 2,081
VANGUARD WORLD FDS MATERIALS ETF 92204A876   695,603 5,454 SH   SOLE   4,784 0 670
VANGUARD WORLD FDS UTILITIES ETF 381430529   3,750,716 37,466 SH   SOLE   7,201 0 30,265
GOLDMAN SACHS ETF TR ACCES TREASURY 46138E784   1,957,566 107,146 SH   SOLE   32,155 0 74,991
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46436E718   519,155 5,157 SH   SOLE   0 0 5,157
ISHARES TR 20 YR TR BD ETF 464287432   1,048,961 11,827 SH   SOLE   416 0 11,411
ISHARES TR CONV BD ETF 46435G102   2,359,804 31,799 SH   SOLE   0 0 31,799
ISHARES INC INTL HIGH YIELD 464286210   1,016,426 22,048 SH   SOLE   0 0 22,048
ISHARES TR CORE US AGGBD ET 464287226   710,048 7,550 SH   SOLE   7,525 0 25
ISHARES TR NATIONAL MUN ETF 464288414   405,033 3,950 SH   SOLE   0 0 3,950
ISHARES TR SHRT NAT MUN ETF 464288158   27,023,768 262,724 SH   SOLE   197,812 0 64,912
ISHARES TR TIPS BD ETF 464287176   3,704,878 35,720 SH   SOLE   0 0 35,720
SPDR SER TR BLMBRG BRC CNVRT 78464A359   375,137 5,533 SH   SOLE   0 0 5,533
SPDR SER TR FTSE INT GVT ETF 78464A490   2,682,463 68,940 SH   SOLE   18,856 0 50,084
SPDR SER TR BLOOMBERG SRT TR 78468R408   983,111 40,193 SH   SOLE   40,193 0 0
SPDR SER TR BLOMBERG BRC INV 78468R200   405,381 13,196 SH   SOLE   0 0 13,196
SPDR SER TR PORTFOLIO SHORT 78464A474   11,896,066 405,732 SH   SOLE   370,779 0 34,953
SPDR SER TR BLOMBERG BRC INT 78464A334   441,002 17,113 SH   SOLE   0 0 17,113
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608   982,569 23,434 SH   SOLE   23,434 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407   2,998,643 62,694 SH   SOLE   62,694 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   6,039,074 127,730 SH   SOLE   118,225 0 9,505
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,941,508 40,364 SH   SOLE   19,021 0 21,343
DBX ETF TR XTRACK USD HIGH 233051432   3,256,932 96,075 SH   SOLE   36,165 0 59,910