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
VANGUARD TOTAL STOCK MARKET COMMON 922908769   330,337,902 1,727,799 SH   SOLE   0 0 1,727,799
ISHARES BARCLAYS 7-10 YR TREASURY BOND COMMON 464287440   261,849,516 2,733,864 SH   SOLE   0 0 2,733,864
VANGUARD FTSE ALL-WORLD EX-US INDEX ETF COMMON 922042775   62,092,017 1,238,373 SH   SOLE   0 0 1,238,373
ISHARES 3-7 YEAR TREASURY BOND ETF COMMON 464288661   15,987,959 139,159 SH   SOLE   0 0 139,159
ISHARES 1-3 YEAR TREASURY BOND ETF COMMON 464287457   13,578,442 167,284 SH   SOLE   0 0 167,284
ISHARES CORE S&P TOTAL US STOCK MARKET COMMON 464287150   10,928,430 128,873 SH   SOLE   0 0 128,873
ISHARES NATIONAL MUNI BOND COMMON 464288414   10,717,166 101,565 SH   SOLE   0 0 101,565
SCHWAB US TIPS COMMON 808524870   9,539,602 184,198 SH   SOLE   0 0 184,198
ISHARES BARCLAYS 10-20 YR TREASURY BOND COMMON 464288653   5,417,101 50,075 SH   SOLE   0 0 50,075
ISHARES CORE S&P 500 COMMON 464287200   5,129,503 13,351 SH   SOLE   0 0 13,351
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF COMMON 46432F834   4,361,605 75,356 SH   SOLE   0 0 75,356
SPDR PORTFOLIO INTMDT TERM TRS ETF COMMON 78464A672   3,760,777 133,172 SH   SOLE   0 0 133,172
ISHARES RUSSELL 3000 ETF COMMON 464287689   2,673,980 12,117 SH   SOLE   0 0 12,117
SPDR PORTFOLIO S&P 500 ETF COMMON 78464A854   2,354,298 52,341 SH   SOLE   0 0 52,341
ISHARES KLD 400 SOCIAL INDEX COMMON 464288570   2,195,840 30,587 SH   SOLE   0 0 30,587
ISHARES CORE US AGGREGATE BOND ETF COMMON 464287226   2,129,578 21,957 SH   SOLE   0 0 21,957
ISHARES 0-5 YEAR TIPS BOND ETF COMMON 46429B747   1,939,206 20,000 SH   SOLE   0 0 20,000
SCHWAB US LARGE CAP ETF COMMON 808524201   1,579,880 34,992 SH   SOLE   0 0 34,992
WISDOMTREE FLOATING RATE TREASURY FUND COMMON 97717Y527   1,556,510 30,963 SH   SOLE   0 0 30,963
ISHARES MBS ETF COMMON 464288588   1,511,825 16,300 SH   SOLE   0 0 16,300
SPDR NUVEEN BLMBG BARCLAYS MUNI BD ETF COMMON 78468R721   1,338,827 29,347 SH   SOLE   0 0 29,347
APPLE INC COMMON 037833100   1,301,648 10,018 SH   SOLE   0 0 10,018
ISHARES CORE S&P MID-CAP ETF COMMON 464287507   1,287,600 5,323 SH   SOLE   0 0 5,323
SPDR PORTFOLIO SMALLCAP COMMON 78468R853   1,262,281 34,143 SH   SOLE   0 0 34,143
VANGUARD DEVELOPED MARKETS INDEX FUND ETF COMMON 921943858   1,257,518 29,962 SH   SOLE   0 0 29,962
ISHARES MSCI EAFE SMALL CAP INDEX COMMON 464288273   1,140,817 20,199 SH   SOLE   0 0 20,199
VANGUARD REAL ESTATE COMMON 922908553   1,077,161 13,060 SH   SOLE   0 0 13,060
VANGUARD RUSSELL 1000 VALUE COMMON 92206C714   1,053,029 15,816 SH   SOLE   0 0 15,816
XTRACKERS MSCI EAFE HEDGED EQUITY COMMON 233051200   1,027,852 31,891 SH   SOLE   0 0 31,891
ISHARES INT RATE HEDGED CORPORATE BD COMMON 46431W705   1,026,247 11,341 SH   SOLE   0 0 11,341
VANGUARD MEGA CAP VAL COMMON 921910840   1,016,569 9,884 SH   SOLE   0 0 9,884
ISHARES CMBS ETF COMMON 46429B366   997,670 21,731 SH   SOLE   0 0 21,731
EXXON MOBIL CORPORATION COMMON 30231G102   950,782 8,620 SH   SOLE   0 0 8,620
KRANESHARES TR KFA MOUNT LUCAS COMMON 500767652   944,965 30,932 SH   SOLE   0 0 30,932
VANGUARD FTSE EMERGING MARKETS COMMON 922042858   913,495 23,435 SH   SOLE   0 0 23,435
ISHARES MSCI EAFE VALUE COMMON 464288877   790,054 17,220 SH   SOLE   0 0 17,220
FLEXSHARES MS GL UPSTREAM NAT RES IDX COMMON 33939L407   754,645 17,360 SH   SOLE   0 0 17,360
HOME DEPOT INC COMMON 437076102   705,315 2,233 SH   SOLE   0 0 2,233
SPDR PORTFOLIO TIPS ETF COMMON 78464A656   659,430 25,599 SH   SOLE   0 0 25,599
INVESCO SENIOR LOAN COMMON 46138G508   591,355 28,804 SH   SOLE   0 0 28,804
SPRINKLER INC COMMON 85208T107   588,003 71,971 SH   SOLE   0 0 71,971
ISHARES EXPONENTIAL TECHNOLOGIES COMMON 46434V381   581,430 12,282 SH   SOLE   0 0 12,282
ISHARES SHORT-TERM NATIONAL MUNI BOND COMMON 464288158   558,157 5,353 SH   SOLE   0 0 5,353
MICROSOFT CORP COMMON 594918104   537,320 2,241 SH   SOLE   0 0 2,241
ISHARES MSCI EAFE ETF COMMON 464287465   529,058 8,060 SH   SOLE   0 0 8,060
SCHWAB US BROAD MARKET ETF COMMON 808524102   511,461 11,414 SH   SOLE   0 0 11,414
ISHARES SHORT TREASURY BOND COMMON 464288679   510,688 4,646 SH   SOLE   0 0 4,646
SPDR MSCI EAFE QUALITY MIX COMMON 78463X434   467,610 7,295 SH   SOLE   0 0 7,295
VANGUARD ESG INTERNATIONAL STOCK ETF COMMON 921910725   434,446 8,832 SH   SOLE   0 0 8,832
SCHWAB INTERNATIONAL EQUITY COMMON 808524805   429,230 13,326 SH   SOLE   0 0 13,326
VANGUARD S&P 500 COMMON 922908363   418,446 1,191 SH   SOLE   0 0 1,191
SPDR NUVEEN BLMBG BARCLAYS ST MUNBD ETF COMMON 78468R739   406,436 8,651 SH   SOLE   0 0 8,651
IQ MERGER ARBITRAGE COMMON 45409B800   404,113 12,736 SH   SOLE   0 0 12,736
DIMENSIONAL US CORE EQUITY 2 ETF COMMON 25434V708   401,324 16,529 SH   SOLE   0 0 16,529
SCHWAB US MID CAP COMMON 808524508   400,532 6,105 SH   SOLE   0 0 6,105
DIMENSIONAL US SMALL CAP ETF COMMON 25434V500   375,733 7,346 SH   SOLE   0 0 7,346
SPDR BLOOMBERG 1-3 MONTH T-BILL COMMON 78468R663   373,520 4,084 SH   SOLE   0 0 4,084
SCHWAB US SMALL CAP ETF COMMON 808524607   369,987 9,133 SH   SOLE   0 0 9,133
UNITEDHEALTH GROUP INC COMMON 91324P102   348,858 658 SH   SOLE   0 0 658
ISHARES RUSSELL 2000 ETF COMMON 464287655   310,186 1,779 SH   SOLE   0 0 1,779
SCHWAB SHORT-TERM US TREASURY COMMON 808524862   301,500 6,250 SH   SOLE   0 0 6,250
ISHARES CYBERSECURITY AND TECH ETF COMMON 46435U135   298,732 9,047 SH   SOLE   0 0 9,047
DIMENSIONAL US MARKETWIDE VALUE ETF COMMON 25434V724   288,820 8,627 SH   SOLE   0 0 8,627
ISHARES S&P 500 GROWTH COMMON 464287309   276,413 4,725 SH   SOLE   0 0 4,725
ISHARES RUSSELL 1000 ETF COMMON 464287622   264,203 1,255 SH   SOLE   0 0 1,255
PROCTER & GAMBLE CO COMMON 742718109   256,583 1,693 SH   SOLE   0 0 1,693
SPDR DOW JONES INDUSTRIAL AVERAGE COMMON 78467X109   251,479 759 SH   SOLE   0 0 759
PFIZER INC COMMON 717081103   238,052 4,646 SH   SOLE   0 0 4,646
JOHNSON & JOHNSON COMMON 478160104   226,819 1,284 SH   SOLE   0 0 1,284
AMAZON.COM INC COMMON 023135106   226,212 2,693 SH   SOLE   0 0 2,693
ISHARES GENOMICS IMMUNOLOGY AND HEALTHCARE ETF COMMON 46435U192   213,190 8,470 SH   SOLE   0 0 8,470