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
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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
AMAZON COM INC COM 023135106   300,884 2,913 SH   SOLE   0 0 2,913
APPLE INC COM 037833100   1,652,551 10,022 SH   SOLE   0 0 10,022
DBX ETF TR XTRACK MSCI EAFE 233051200   1,196,348 33,987 SH   SOLE   0 0 33,987
HOME DEPOT INC COM 437076102   626,540 2,123 SH   SOLE   0 0 2,123
ISHARES TR CORE S&P TTL STK 464287150   8,892,916 98,210 SH   SOLE   0 0 98,210
ISHARES TR CORE S&P500 ETF 464287200   5,224,412 12,709 SH   SOLE   0 0 12,709
ISHARES TR CORE US AGGBD ET 464287226   1,880,673 18,875 SH   SOLE   0 0 18,875
ISHARES TR S&P 500 GRWT ETF 464287309   301,880 4,725 SH   SOLE   0 0 4,725
ISHARES TR 7-10 YR TRSY BD 464287440   287,557,940 2,901,109 SH   SOLE   0 0 2,901,109
ISHARES TR 1 3 YR TREAS BD 464287457   13,970,753 170,043 SH   SOLE   0 0 170,043
ISHARES TR MSCI EAFE ETF 464287465   550,275 7,694 SH   SOLE   0 0 7,694
ISHARES TR CORE S&P MCP ETF 464287507   1,332,282 5,326 SH   SOLE   0 0 5,326
ISHARES TR RUSSELL 2000 ETF 464287655   434,582 2,436 SH   SOLE   0 0 2,436
ISHARES TR RUSSELL 3000 ETF 464287689   2,814,327 11,955 SH   SOLE   0 0 11,955
ISHARES TR EAFE SML CP ETF 464288273   1,344,366 22,591 SH   SOLE   0 0 22,591
ISHARES TR NATIONAL MUN ETF 464288414   12,562,790 116,603 SH   SOLE   0 0 116,603
ISHARES TR MSCI KLD400 SOC 464288570   2,296,960 29,452 SH   SOLE   0 0 29,452
ISHARES TR MBS ETF 464288588   1,388,931 14,662 SH   SOLE   0 0 14,662
ISHARES TR 3 7 YR TREAS BD 464288661   9,561,473 81,270 SH   SOLE   0 0 81,270
ISHARES TR SHORT TREAS BD 464288679   513,383 4,646 SH   SOLE   0 0 4,646
ISHARES TR EAFE VALUE ETF 464288877   998,068 20,566 SH   SOLE   0 0 20,566
KRANESHARES TR KFA MOUNT LUCAS 500767652   1,275,622 43,271 SH   SOLE   0 0 43,271
MICROSOFT CORP COM 594918104   647,895 2,247 SH   SOLE   0 0 2,247
PROCTER AND GAMBLE CO COM 742718109   242,688 1,632 SH   SOLE   0 0 1,632
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   463,762 9,692 SH   SOLE   0 0 9,692
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,554,941 32,147 SH   SOLE   0 0 32,147
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   480,157 7,077 SH   SOLE   0 0 7,077
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   415,243 9,903 SH   SOLE   0 0 9,903
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   463,745 13,326 SH   SOLE   0 0 13,326
SCHWAB STRATEGIC TR US TIPS ETF 808524870   11,311,429 210,995 SH   SOLE   0 0 210,995
VANGUARD WORLD FD ESG INTL STK ETF 921910725   442,180 8,445 SH   SOLE   0 0 8,445
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   1,022,726 10,124 SH   SOLE   0 0 10,124
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,369,189 30,312 SH   SOLE   0 0 30,312
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   66,289,569 1,239,753 SH   SOLE   0 0 1,239,753
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,215,846 30,095 SH   SOLE   0 0 30,095
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   588,550 1,565 SH   SOLE   0 0 1,565
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,156,628 8,627 SH   SOLE   0 0 8,627
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,252,164 15,079 SH   SOLE   0 0 15,079
VANGUARD INDEX FDS TOTAL STK MKT 922908769   349,934,015 1,714,522 SH   SOLE   0 0 1,714,522
ALPHABET INC CAP STK CL A 02079K305   203,311 1,960 SH   SOLE   0 0 1,960
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   384,412 7,294 SH   SOLE   0 0 7,294
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   423,580 16,624 SH   SOLE   0 0 16,624
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   281,852 8,419 SH   SOLE   0 0 8,419
EXXON MOBIL CORP COM 30231G102   950,810 8,671 SH   SOLE   0 0 8,671
FLEXSHARES TR MORNSTAR UPSTR 33939L407   892,009 21,093 SH   SOLE   0 0 21,093
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800   426,499 13,484 SH   SOLE   0 0 13,484
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   953,730 45,852 SH   SOLE   0 0 45,852
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,981,074 30,042 SH   SOLE   0 0 30,042
ISHARES U S ETF TR INT RT HDG C B 46431W705   927,698 10,124 SH   SOLE   0 0 10,124
ISHARES TR CORE MSCI TOTAL 46432F834   3,344,557 53,988 SH   SOLE   0 0 53,988
ISHARES TR EXPONENTIAL TECH 46434V381   672,821 12,767 SH   SOLE   0 0 12,767
ISHARES TR CYBERSECURITY 46435U135   344,489 9,477 SH   SOLE   0 0 9,477
ISHARES TR GENOMICS IMMUN 46435U192   213,502 9,175 SH   SOLE   0 0 9,175
NVIDIA CORPORATION COM 67066G104   286,659 1,032 SH   SOLE   0 0 1,032
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   484,477 6,989 SH   SOLE   0 0 6,989
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   223,335 4,409 SH   SOLE   0 0 4,409
SPDR SER TR S&P 400 MDCP VAL 78464A839   228,108 3,452 SH   SOLE   0 0 3,452
SPDR SER TR PORTFOLIO S&P500 78464A854   2,644,205 54,916 SH   SOLE   0 0 54,916
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   252,459 759 SH   SOLE   0 0 759
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   375,895 4,094 SH   SOLE   0 0 4,094
SPDR SER TR NUVEEN BLMBRG SH 78468R739   1,251,460 26,319 SH   SOLE   0 0 26,319
SPDR SER TR PORTFOLIO S&P600 78468R853   1,345,596 35,626 SH   SOLE   0 0 35,626
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107   90,372 10,836 SH   SOLE   0 0 10,836
SPRINKLR INC CL A 85208T107   932,744 71,971 SH   SOLE   0 0 71,971
UNITEDHEALTH GROUP INC COM 91324P102   307,656 651 SH   SOLE   0 0 651
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   326,755 6,315 SH   SOLE   0 0 6,315
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649   265,100 2,200 SH   SOLE   0 0 2,200
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   1,460,734 21,864 SH   SOLE   0 0 21,864
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   605,452 12,044 SH   SOLE   0 0 12,044