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
ABRDN ETFS BBRG ALL COMD K1 003261104   832,000 40,047 SH   SOLE Rob/Lee/Zach 0 0 40,047
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   208,000 695 SH   SOLE Rob/Lee/Zach 0 0 695
ALPHABET INC CAP STK CL C 02079K107   236,000 1,330 SH   SOLE Rob/Lee/Zach 0 0 1,330
AMAZON COM INC COM 023135106   349,000 1,591 SH   SOLE Rob/Lee/Zach 0 0 1,591
APPLE INC COM 037833100   710,000 3,462 SH   SOLE Rob/Lee/Zach 0 0 3,462
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778   296,000 8,716 SH   SOLE Rob/Lee/Zach 0 0 8,716
DESKTOP METAL INC COM CL A 25058X303   0 159,682 SH   SOLE Rob/Lee/Zach 0 0 159,682
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   362,000 1,990 SH   SOLE Rob/Lee/Zach 0 0 1,990
INVESCO EXCHANGE TRADED FD T RAFI US 1500 46137V597   1,815,000 44,623 SH   SOLE Rob/Lee/Zach 0 0 44,623
ISHARES TR CORE 60/40 BALAN 464289867   447,000 7,260 SH   SOLE Rob/Lee/Zach 0 0 7,260
ISHARES TR CORE 80/20 AGGRE 464289859   658,000 7,887 SH   SOLE Rob/Lee/Zach 0 0 7,887
ISHARES TR CORE MSCI TOTAL 46432F834   722,000 9,341 SH   SOLE Rob/Lee/Zach 0 0 9,341
ISHARES INC ESG AWR MSCI EM 46434G863   578,000 14,765 SH   SOLE Rob/Lee/Zach 0 0 14,765
ISHARES TR ESG AWARE MSCI 46435U663   677,000 16,390 SH   SOLE Rob/Lee/Zach 0 0 16,390
ISHARES TR ESG MSCI KLD 400 464288570   1,302,000 11,204 SH   SOLE Rob/Lee/Zach 0 0 11,204
ISHARES TR GL TIMB FORE ETF 464288174   264,000 3,596 SH   SOLE Rob/Lee/Zach 0 0 3,596
ISHARES TR CORE INTL AGGR 46435G672   36,512,000 714,668 SH   SOLE Rob/Lee/Zach 0 0 714,668
ISHARES TR NATIONAL MUN ETF 464288414   24,330,000 232,865 SH   SOLE Rob/Lee/Zach 0 0 232,865
ISHARES TR NEW YORK MUN ETF 464288323   360,000 6,895 SH   SOLE Rob/Lee/Zach 0 0 6,895
ISHARES TR GLOBAL REIT ETF 46434V647   15,127,000 612,418 SH   SOLE Rob/Lee/Zach 0 0 612,418
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   472,000 9,507 SH   SOLE Rob/Lee/Zach 0 0 9,507
JUMIA TECHNOLOGIES AG SPONSORED ADS 48138M105   85,000 21,092 SH   SOLE Rob/Lee/Zach 0 0 21,092
MICROSOFT CORP COM 594918104   763,000 1,535 SH   SOLE Rob/Lee/Zach 0 0 1,535
NUSHARES ETF TR NUVEEN ESG US 67092P870   2,663,000 119,617 SH   SOLE Rob/Lee/Zach 0 0 119,617
NVIDIA CORPORATION COM 67066G104   12,863,000 81,420 SH   SOLE Rob/Lee/Zach 0 0 81,420
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   4,802,000 52,349 SH   SOLE Rob/Lee/Zach 0 0 52,349
SPDR GOLD TR GOLD SHS 78463V107   280,000 920 SH   SOLE Rob/Lee/Zach 0 0 920
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   3,137,000 73,387 SH   SOLE Rob/Lee/Zach 0 0 73,387
SPDR SER TR NUVEEN BLMBRG SH 78468R739   1,942,000 40,597 SH   SOLE Rob/Lee/Zach 0 0 40,597
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   40,748,000 1,006,361 SH   SOLE Rob/Lee/Zach 0 0 1,006,361
SPDR SER TR PORTFOLI S&P1500 78464A805   25,579,000 341,551 SH   SOLE Rob/Lee/Zach 0 0 341,551
SPDR SER TR PORTFOLIO S&P600 78468R853   15,935,000 374,051 SH   SOLE Rob/Lee/Zach 0 0 374,051
SPDR SER TR PORTFOLIO SH TSR 78468R101   21,898,000 747,610 SH   SOLE Rob/Lee/Zach 0 0 747,610
SPDR S&P 500 ETF TR TR UNIT 78462F103   500,000 810 SH   SOLE Rob/Lee/Zach 0 0 810
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   372,000 10,016 SH   SOLE Rob/Lee/Zach 0 0 10,016
SPDR SER TR PORTFOLIO SHORT 78464A474   2,602,000 86,194 SH   SOLE Rob/Lee/Zach 0 0 86,194
VANGUARD WORLD FD ESG INTL STK ETF 921910725   2,576,000 39,331 SH   SOLE Rob/Lee/Zach 0 0 39,331
VANGUARD WORLD FD ESG US STK ETF 921910733   7,716,000 70,374 SH   SOLE Rob/Lee/Zach 0 0 70,374
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   6,781,000 35,187 SH   SOLE Rob/Lee/Zach 0 0 35,187
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   19,876,000 295,689 SH   SOLE Rob/Lee/Zach 0 0 295,689
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   19,537,000 395,006 SH   SOLE Rob/Lee/Zach 0 0 395,006
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,585,000 51,415 SH   SOLE Rob/Lee/Zach 0 0 51,415
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   62,934,000 854,729 SH   SOLE Rob/Lee/Zach 0 0 854,729
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   370,000 7,465 SH   SOLE Rob/Lee/Zach 0 0 7,465
VANGUARD INDEX FDS TOTAL STK MKT 922908769   205,708,000 676,828 SH   SOLE Rob/Lee/Zach 0 0 676,828
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   334,000 2,598 SH   SOLE Rob/Lee/Zach 0 0 2,598
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   6,055,000 45,053 SH   SOLE Rob/Lee/Zach 0 0 45,053
WALMART INC COM 931142103   234,000 2,390 SH   SOLE Rob/Lee/Zach 0 0 2,390