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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD TOTAL STOCK MARKET COMMON 922908769 319,190 1,778,516 SH   SOLE   0 0 1,778,516
ISHARES BARCLAYS 7-10 YR TREASURY BOND COMMON 464287440 259,267 2,700,983 SH   SOLE   0 0 2,700,983
VANGUARD FTSE ALL-WORLD EX-US INDEX ETF COMMON 922042775 57,008 1,285,126 SH   SOLE   0 0 1,285,126
ISHARES 3-7 YEAR TREASURY BOND ETF COMMON 464288661 29,830 261,022 SH   SOLE   0 0 261,022
ISHARES CORE S&P TOTAL US STOCK MARKET COMMON 464287150 18,047 226,890 SH   SOLE   0 0 226,890
SCHWAB US TIPS COMMON 808524870 16,260 313,903 SH   SOLE   0 0 313,903
ISHARES 1-3 YEAR TREASURY BOND ETF COMMON 464287457 11,626 143,154 SH   SOLE   0 0 143,154
ISHARES BARCLAYS 10-20 YR TREASURY BOND COMMON 464288653 11,095 101,834 SH   SOLE   0 0 101,834
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF COMMON 46432F834 9,060 177,926 SH   SOLE   0 0 177,926
SPDR NUVEEN BLMBG BARCLAYS MUNI BD ETF COMMON 78468R721 7,781 176,871 SH   SOLE   0 0 176,871
ISHARES NATIONAL MUNI BOND COMMON 464288414 7,500 73,113 SH   SOLE   0 0 73,113
ISHARES CORE S&P 500 COMMON 464287200 4,776 13,317 SH   SOLE   0 0 13,317
ISHARES RUSSELL 3000 ETF COMMON 464287689 2,509 12,117 SH   SOLE   0 0 12,117
ISHARES CORE US AGGREGATE BOND ETF COMMON 464287226 2,110 21,901 SH   SOLE   0 0 21,901
ISHARES KLD 400 SOCIAL INDEX COMMON 464288570 1,998 29,840 SH   SOLE   0 0 29,840
SPDR PORTFOLIO S&P 500 ETF COMMON 78464A854 1,790 42,625 SH   SOLE   0 0 42,625
SCHWAB US LARGE CAP ETF COMMON 808524201 1,691 39,938 SH   SOLE   0 0 39,938
ISHARES MBS ETF COMMON 464288588 1,475 16,102 SH   SOLE   0 0 16,102
APPLE INC COMMON 037833100 1,383 10,005 SH   SOLE   0 0 10,005
SPDR NUVEEN BLMBG BARCLAYS ST MUNBD ETF COMMON 78468R739 1,366 29,628 SH   SOLE   0 0 29,628
ISHARES CORE S&P MID-CAP ETF COMMON 464287507 1,104 5,036 SH   SOLE   0 0 5,036
KRANESHARES TR KFA MOUNT LUCAS COMMON 500767652 1,098 28,632 SH   SOLE   0 0 28,632
SPDR PORTFOLIO SMALLCAP COMMON 78468R853 1,081 31,741 SH   SOLE   0 0 31,741
VANGUARD DEVELOPED MARKETS INDEX FUND ETF COMMON 921943858 1,063 29,235 SH   SOLE   0 0 29,235
XTRACKERS MSCI EAFE HEDGED EQUITY COMMON 233051200 1,054 31,485 SH   SOLE   0 0 31,485
ISHARES INT RATE HEDGED CORPORATE BD COMMON 46431W705 1,045 11,777 SH   SOLE   0 0 11,777
ISHARES MSCI EAFE SMALL CAP INDEX COMMON 464288273 1,004 20,578 SH   SOLE   0 0 20,578
VANGUARD FTSE EMERGING MARKETS COMMON 922042858 996 27,286 SH   SOLE   0 0 27,286
ISHARES CMBS ETF COMMON 46429B366 981 21,393 SH   SOLE   0 0 21,393
VANGUARD REAL ESTATE COMMON 922908553 946 11,797 SH   SOLE   0 0 11,797
VANGUARD RUSSELL 1000 VALUE COMMON 92206C714 904 15,142 SH   SOLE   0 0 15,142
VANGUARD MEGA CAP VAL COMMON 921910840 773 8,600 SH   SOLE   0 0 8,600
SPRINKLER INC COMMON 85208T107 664 71,971 SH   SOLE   0 0 71,971
FLEXSHARES MS GL UPSTREAM NAT RES IDX COMMON 33939L407 663 17,628 SH   SOLE   0 0 17,628
HOME DEPOT INC COMMON 437076102 612 2,217 SH   SOLE   0 0 2,217
INVESCO SENIOR LOAN COMMON 46138G508 602 29,809 SH   SOLE   0 0 29,809
ISHARES MSCI EAFE VALUE COMMON 464288877 600 15,565 SH   SOLE   0 0 15,565
SPDR PORTFOLIO TIPS ETF COMMON 78464A656 578 22,776 SH   SOLE   0 0 22,776
MICROSOFT CORP COMMON 594918104 522 2,242 SH   SOLE   0 0 2,242
ISHARES SHORT TREASURY BOND COMMON 464288679 511 4,646 SH   SOLE   0 0 4,646
EXXON MOBIL CORPORATION COMMON 30231G102 497 5,694 SH   SOLE   0 0 5,694
ISHARES EXPONENTIAL TECHNOLOGIES COMMON 46434V381 488 10,938 SH   SOLE   0 0 10,938
SCHWAB US BROAD MARKET ETF COMMON 808524102 479 11,414 SH   SOLE   0 0 11,414
ISHARES MSCI EAFE ETF COMMON 464287465 465 8,303 SH   SOLE   0 0 8,303
SCHWAB US MID CAP COMMON 808524508 425 7,016 SH   SOLE   0 0 7,016
VANGUARD S&P 500 COMMON 922908363 410 1,249 SH   SOLE   0 0 1,249
SCHWAB US SMALL CAP ETF COMMON 808524607 395 10,438 SH   SOLE   0 0 10,438
SPDR MSCI EAFE QUALITY MIX COMMON 78463X434 385 6,897 SH   SOLE   0 0 6,897
SPDR BLOOMBERG 1-3 MONTH T-BILL COMMON 78468R663 383 4,181 SH   SOLE   0 0 4,181
SCHWAB INTERNATIONAL EQUITY COMMON 808524805 375 13,326 SH   SOLE   0 0 13,326
IQ MERGER ARBITRAGE COMMON 45409B800 361 11,553 SH   SOLE   0 0 11,553
AMAZON.COM INC COMMON 023135106 352 3,113 SH   SOLE   0 0 3,113
DIMENSIONAL US SMALL CAP ETF COMMON 25434V500 341 7,320 SH   SOLE   0 0 7,320
DIMENSIONAL US CORE EQUITY 2 ETF COMMON 25434V708 338 15,211 SH   SOLE   0 0 15,211
UNITEDHEALTH GROUP INC COMMON 91324P102 332 658 SH   SOLE   0 0 658
VANGUARD ESG INTERNATIONAL STOCK ETF COMMON 921910725 328 7,548 SH   SOLE   0 0 7,548
ISHARES RUSSELL 2000 ETF COMMON 464287655 293 1,779 SH   SOLE   0 0 1,779
VANECK HIGH YIELD MUNI COMMON 92189H409 289 5,795 SH   SOLE   0 0 5,795
ISHARES S&P 500 GROWTH COMMON 464287309 273 4,725 SH   SOLE   0 0 4,725
ISHARES CYBERSECURITY AND TECH ETF COMMON 46435U135 271 7,982 SH   SOLE   0 0 7,982
SPDR DOW JONES INDUSTRIAL AVERAGE COMMON 78467X109 218 759 SH   SOLE   0 0 759
JOHNSON & JOHNSON COMMON 478160104 213 1,303 SH   SOLE   0 0 1,303
ISHARES RUSSELL 1000 ETF COMMON 464287622 213 1,082 SH   SOLE   0 0 1,082
ALPHABET INC CLASS A COMMON 02079K305 212 2,213 SH   SOLE   0 0 2,213