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
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104 514 32,294 SH   SOLE 0 0 0 32,294
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 3,219 67,775 SH   SOLE 0 0 0 67,775
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 37,680 1,694,226 SH   SOLE 0 0 0 1,694,226
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 22,928 1,213,747 SH   SOLE 0 0 0 1,213,747
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 5,992 242,119 SH   SOLE 0 0 0 242,119
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 10,285 144,822 SH   SOLE 0 0 0 144,822
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 3,060 118,469 SH   SOLE 0 0 0 118,469
ISHARES INC ESG AWR MSCI EM 46434G863 1,462 52,828 SH   SOLE 0 0 0 52,828
ISHARES TR CORE MSCI TOTAL 46432F834 7,182 141,052 SH   SOLE 0 0 0 141,052
ISHARES TR ESG ADV TTL USD 46436E619 2,245 53,660 SH   SOLE 0 0 0 53,660
ISHARES TR ESG AW MSCI EAFE 46435G516 3,622 64,530 SH   SOLE 0 0 0 64,530
ISHARES TR NATIONAL MUN ETF 464288414 902 8,791 SH   SOLE 0 0 0 8,791
ISHARES TR CORE S&P TTL STK 464287150 2,735 34,389 SH   SOLE 0 0 0 34,389
ISHARES TR CORE INTL AGGR 46435G672 14,761 305,457 SH   SOLE 0 0 0 305,457
ISHARES TR ESG MSCI LEADR 46435U218 6,484 104,988 SH   SOLE 0 0 0 104,988
ISHARES TR CORE TOTAL USD 46434V613 50,629 1,137,727 SH   SOLE 0 0 0 1,137,727
ISHARES TR CONSER ALLOC ETF 464289883 275 8,428 SH   SOLE 0 0 0 8,428
ISHARES TR GRWT ALLOCAT ETF 464289867 2,108 47,066 SH   SOLE 0 0 0 47,066
ISHARES TR INTL EQTY FACTOR 46434V274 9,324 445,285 SH   SOLE 0 0 0 445,285
ISHARES TR AGGRES ALLOC ETF 464289859 2,985 53,825 SH   SOLE 0 0 0 53,825
ISHARES TR U S EQUITY FACTR 46434V282 15,702 433,525 SH   SOLE 0 0 0 433,525
ISHARES TR MSCI USA SML CP 46434V290 3,426 76,543 SH   SOLE 0 0 0 76,543
ISHARES TR MODERT ALLOC ETF 464289875 224 6,125 SH   SOLE 0 0 0 6,125
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274 456 10,070 SH   SOLE 0 0 0 10,070
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 337 6,715 SH   SOLE 0 0 0 6,715
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 1,492 46,518 SH   SOLE 0 0 0 46,518
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 36,255 1,405,217 SH   SOLE 0 0 0 1,405,217
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 13,298 428,420 SH   SOLE 0 0 0 428,420
SPDR SER TR PORTFOLIO SHORT 78464A474 462 15,824 SH   SOLE 0 0 0 15,824
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 559 6,108 SH   SOLE 0 0 0 6,108
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 18,924 396,472 SH   SOLE 0 0 0 396,472
VANGUARD INDEX FDS SM CP VAL ETF 922908611 5,254 36,638 SH   SOLE 0 0 0 36,638
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 13,509 106,275 SH   SOLE 0 0 0 106,275
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 74,356 226,489 SH   SOLE 0 0 0 226,489
VANGUARD INDEX FDS TOTAL STK MKT 922908769 44,006 245,197 SH   SOLE 0 0 0 245,197
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 3,767 47,756 SH   SOLE 0 0 0 47,756
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 882 24,165 SH   SOLE 0 0 0 24,165
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 64,706 1,344,117 SH   SOLE 0 0 0 1,344,117
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 481 7,645 SH   SOLE 0 0 0 7,645
VANGUARD STAR FDS VG TL INTL STK F 921909768 30,049 656,523 SH   SOLE 0 0 0 656,523
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,367 37,584 SH   SOLE 0 0 0 37,584