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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
ALPHABET INC CAP STK CL C 02079K107   241,940 2,000 SH   SOLE   2,000 0 0
ALPHABET INC CAP STK CL A 02079K305   239,400 2,000 SH   SOLE   2,000 0 0
APARTMENT INCOME REIT CORP COM 03750L109   1,994,225 55,257 SH   SOLE   55,257 0 0
APPLE INC COM 037833100   756,527 3,900 SH   SOLE   3,900 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,731,598 5,078 SH   SOLE   5,078 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   2,071,240 4 SH   SOLE   4 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   318,687 11,738 SH   SOLE   11,738 0 0
ECOLAB INC COM 278865100   661,223 3,542 SH   SOLE   3,542 0 0
EXXON MOBIL CORP COM 30231G102   1,279,171 11,927 SH   SOLE   11,927 0 0
INVENTRUST PPTYS CORP COM NEW 46124J201   277,310 11,984 SH   SOLE   11,984 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   837,497 61,558 SH   SOLE   61,558 0 0
INVESCO EXCH TRADED FD TR II TREAS COLATERL 46138G888   843,760 8,000 SH   SOLE   8,000 0 0
ISHARES INC EM MKT SM-CP ETF 464286475   12,124,404 226,286 SH   SOLE   226,286 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   1,531,530 21,000 SH   SOLE   21,000 0 0
ISHARES TR USD GRN BOND ETF 46435U440   489,840 10,526 SH   SOLE   10,526 0 0
ISHARES TR GL CLEAN ENE ETF 464288224   663,338 36,051 SH   SOLE   36,051 0 0
MICROSOFT CORP COM 594918104   487,443 1,431 SH   SOLE   1,431 0 0
MICROSTRATEGY INC CL A NEW 594972408   5,136,300 15,000 SH   SOLE   15,000 0 0
NORWEGIAN CRUISE LINE HLDG L SHS G66721104   4,354,000 200,000 SH   SOLE   200,000 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   143,713,657 1,440,594 SH   SOLE   1,440,594 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   412,375 8,368 SH   SOLE   8,368 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   32,103,991 950,666 SH   SOLE   950,666 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   672,252 18,857 SH   SOLE   18,857 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,232,009 42,620 SH   SOLE   42,620 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   396,807 8,257 SH   SOLE   8,257 0 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   215,816 4,110 SH   SOLE   4,110 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721   696,324 15,085 SH   SOLE   15,085 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   231,486 4,920 SH   SOLE   4,920 0 0
UPSTART HLDGS INC COM 91680M107   286,480 8,000 SH   SOLE   8,000 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   879,449 17,992 SH   SOLE   17,992 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   18,517,063 221,602 SH   SOLE   221,602 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   944,486 4,290 SH   SOLE   4,290 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   247,024 873 SH   SOLE   873 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   48,489,355 220,126 SH   SOLE   220,126 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   269,926,343 1,331,523 SH   SOLE   1,331,523 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   39,735,835 199,788 SH   SOLE   199,788 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   262,611 2,377 SH   SOLE   2,377 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   27,943,397 686,908 SH   SOLE   686,908 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   107,984,010 2,338,329 SH   SOLE   2,338,329 0 0