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
ABERDEEN STD PRECIOUS METALS PHYSCL PM BASKET 003263100 755,000 8,445 SH   SOLE   0 0 8,445
ABRDN ETFS BBRG ALL COMD K1 003261104 526,000 22,867 SH   SOLE   0 0 22,867
ALPHABET INC CAP STK CL A 02079K305 1,321,000 456 SH   SOLE   0 0 456
ALPHABET INC CAP STK CL C 02079K107 1,400,000 484 SH   SOLE   0 0 484
AMAZON COM INC COM 023135106 418,000 125 SH   SOLE   0 0 125
APPLE INC COM 037833100 2,417,000 13,611 SH   SOLE   0 0 13,611
BIO RAD LABS INC CL A 090572207 302,000 400 SH   SOLE   0 0 400
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 201,000 6,115 SH   SOLE   0 0 6,115
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 95,000 11,510 SH   SOLE   0 0 11,510
ETF SER SOLUTIONS US DIVERSIFIED 26922A511 703,000 17,800 SH   SOLE   0 0 17,800
FIRST TR DOW JONES SELECT MI COM SHS ANNUAL 33718M105 203,000 3,181 SH   SOLE   0 0 3,181
FIRST TR EXCH TRADED FD III EME MRK BD ETF 33739P202 264,000 8,477 SH   SOLE   0 0 8,477
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 227,000 11,178 SH   SOLE   0 0 11,178
FIRST TR EXCH TRD ALPHDX FD UNIT KING ALPH 33737J224 410,000 9,287 SH   SOLE   0 0 9,287
FIRST TR EXCHANGE-TRADED FD FIRST TR TA HIYL 33738D408 398,000 8,317 SH   SOLE   0 0 8,317
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 235,000 4,711 SH   SOLE   0 0 4,711
FIRST TR EXCHANGE-TRADED FD NAS CLNEDG GREEN 33733E500 324,000 4,760 SH   SOLE   0 0 4,760
FIRST TR EXCHANGE-TRADED FD RISNG DIVD ACHIV 33738R506 945,000 18,252 SH   SOLE   0 0 18,252
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 287,000 5,988 SH   SOLE   0 0 5,988
FIRST TR EXCHANGE-TRADED FD SMID RISNG ETF 33741X102 604,000 19,926 SH   SOLE   0 0 19,926
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 388,000 7,283 SH   SOLE   0 0 7,283
FIRST TR EXCHNG TRADED FD VI TCW SECURITIZED 33740U109 217,000 8,462 SH   SOLE   0 0 8,462
FIRST TR EXCHNG TRADED FD VI TCW UNCONSTRAI 33740F888 1,043,000 39,550 SH   SOLE   0 0 39,550
FLEXSHARES TR MORNSTAR UPSTR 33939L407 1,368,000 34,641 SH   SOLE   0 0 34,641
GLOBAL X FDS GLOBX SUPDV US 37950E291 311,000 14,914 SH   SOLE   0 0 14,914
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 1,559,000 110,877 SH   SOLE   0 0 110,877
ISHARES GOLD TR ISHARES NEW 464285204 1,941,000 55,750 SH   SOLE   0 0 55,750
ISHARES INC CORE MSCI EMKT 46434G103 809,000 13,522 SH   SOLE   0 0 13,522
ISHARES INC MSCI EMRG CHN 46434G764 213,000 3,520 SH   SOLE   0 0 3,520
ISHARES INC MSCI GBL MIN VOL 464286525 1,165,000 10,755 SH   SOLE   0 0 10,755
ISHARES INC MSCI GLB SLV&MTL 464286327 337,000 26,146 SH   SOLE   0 0 26,146
ISHARES TR 3 7 YR TREAS BD 464288661 1,917,000 14,897 SH   SOLE   0 0 14,897
ISHARES TR CORE DIV GRWTH 46434V621 1,888,000 33,967 SH   SOLE   0 0 33,967
ISHARES TR CORE HIGH DV ETF 46429B663 788,000 7,798 SH   SOLE   0 0 7,798
ISHARES TR CORE INTL AGGR 46435G672 446,000 8,176 SH   SOLE   0 0 8,176
ISHARES TR CORE MSCI EURO 46434V738 3,270,000 56,227 SH   SOLE   0 0 56,227
ISHARES TR CORE MSCI INTL 46435G326 666,000 9,854 SH   SOLE   0 0 9,854
ISHARES TR CORE MSCI PAC 46434V696 611,000 9,571 SH   SOLE   0 0 9,571
ISHARES TR CORE S&P MCP ETF 464287507 643,000 2,272 SH   SOLE   0 0 2,272
ISHARES TR CORE S&P SCP ETF 464287804 464,000 4,051 SH   SOLE   0 0 4,051
ISHARES TR CORE S&P TTL STK 464287150 1,279,000 11,954 SH   SOLE   0 0 11,954
ISHARES TR CORE S&P500 ETF 464287200 926,000 1,942 SH   SOLE   0 0 1,942
ISHARES TR CORE US AGGBD ET 464287226 940,000 8,242 SH   SOLE   0 0 8,242
ISHARES TR EAFE SML CP ETF 464288273 1,546,000 21,155 SH   SOLE   0 0 21,155
ISHARES TR ESG ADV TTL USD 46436E619 233,000 4,705 SH   SOLE   0 0 4,705
ISHARES TR ESG AW MSCI EAFE 46435G516 347,000 4,361 SH   SOLE   0 0 4,361
ISHARES TR ESG AWARE MSCI 46435U663 604,000 14,989 SH   SOLE   0 0 14,989
ISHARES TR ESG EAFE ETF 46436E759 898,000 13,057 SH   SOLE   0 0 13,057
ISHARES TR ESG MSCI USA ETF 46436E767 508,000 12,889 SH   SOLE   0 0 12,889
ISHARES TR GL CLEAN ENE ETF 464288224 530,000 25,043 SH   SOLE   0 0 25,043
ISHARES TR GLOBAL ENERG ETF 464287341 305,000 11,097 SH   SOLE   0 0 11,097
ISHARES TR GLOBAL REIT ETF 46434V647 212,000 6,919 SH   SOLE   0 0 6,919
ISHARES TR IBOXX INV CP ETF 464287242 536,000 4,042 SH   SOLE   0 0 4,042
ISHARES TR INTL DIV GRWTH 46435G524 338,000 4,990 SH   SOLE   0 0 4,990
ISHARES TR MSCI KLD400 SOC 464288570 209,000 2,246 SH   SOLE   0 0 2,246
ISHARES TR MSCI UK ETF NEW 46435G334 353,000 10,653 SH   SOLE   0 0 10,653
ISHARES TR NATIONAL MUN ETF 464288414 1,970,000 16,946 SH   SOLE   0 0 16,946
ISHARES TR RUS 1000 GRW ETF 464287614 519,000 1,697 SH   SOLE   0 0 1,697
ISHARES TR RUS 1000 VAL ETF 464287598 321,000 1,912 SH   SOLE   0 0 1,912
ISHARES TR SHRT NAT MUN ETF 464288158 802,000 7,467 SH   SOLE   0 0 7,467
ISHARES TR TIPS BD ETF 464287176 1,383,000 10,704 SH   SOLE   0 0 10,704
LILLY ELI & CO COM 532457108 383,000 1,387 SH   SOLE   0 0 1,387
MICROSOFT CORP COM 594918104 3,879,000 11,533 SH   SOLE   0 0 11,533
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109 32,000 12,628 SH   SOLE   0 0 12,628
PFIZER INC COM 717081103 267,000 4,530 SH   SOLE   0 0 4,530
PIMCO ETF TR ACTIVE BD ETF 72201R775 513,000 4,611 SH   SOLE   0 0 4,611
SALESFORCE COM INC COM 79466L302 552,000 2,173 SH   SOLE   0 0 2,173
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 606,000 20,448 SH   SOLE   0 0 20,448
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,078,000 26,326 SH   SOLE   0 0 26,326
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 4,337,000 77,250 SH   SOLE   0 0 77,250
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 281,000 2,485 SH   SOLE   0 0 2,485
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 708,000 8,764 SH   SOLE   0 0 8,764
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,755,000 24,207 SH   SOLE   0 0 24,207
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 388,000 4,820 SH   SOLE   0 0 4,820
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,025,000 19,457 SH   SOLE   0 0 19,457
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,037,000 10,126 SH   SOLE   0 0 10,126
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,694,000 90,532 SH   SOLE   0 0 90,532
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 1,464,000 28,259 SH   SOLE   0 0 28,259
SPDR GOLD TR GOLD SHS 78463V107 1,788,000 10,456 SH   SOLE   0 0 10,456
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,627,000 7,637 SH   SOLE   0 0 7,637
SPDR SER TR BLOOMBERG INTL T 78464A516 993,000 35,121 SH   SOLE   0 0 35,121
SPDR SER TR BLOOMBERG SHORT 78464A334 2,960,000 97,407 SH   SOLE   0 0 97,407
SPDR SER TR PORTFOLIO S&P400 78464A847 273,000 5,481 SH   SOLE   0 0 5,481
SPDR SER TR S&P DIVID ETF 78464A763 439,000 3,400 SH   SOLE   0 0 3,400
SSGA ACTIVE TR SPDR SSGA US SCT 78470P408 213,000 4,526 SH   SOLE   0 0 4,526
VANECK MERK GOLD TR GOLD TRUST 921078101 540,000 30,360 SH   SOLE   0 0 30,360
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 682,000 3,561 SH   SOLE   0 0 3,561
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 505,000 2,404 SH   SOLE   0 0 2,404
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 464,000 5,744 SH   SOLE   0 0 5,744
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,205,000 37,822 SH   SOLE   0 0 37,822
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 904,000 16,392 SH   SOLE   0 0 16,392
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 347,000 1,899 SH   SOLE   0 0 1,899
VANGUARD INDEX FDS MID CAP ETF 922908629 4,995,000 19,607 SH   SOLE   0 0 19,607
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,771,000 23,888 SH   SOLE   0 0 23,888
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 9,605,000 22,001 SH   SOLE   0 0 22,001
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,967,000 17,551 SH   SOLE   0 0 17,551
VANGUARD INDEX FDS TOTAL STK MKT 922908769 543,000 2,249 SH   SOLE   0 0 2,249
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,074,000 82,376 SH   SOLE   0 0 82,376
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 9,892,000 144,963 SH   SOLE   0 0 144,963
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 5,902,000 75,656 SH   SOLE   0 0 75,656
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,555,000 19,071 SH   SOLE   0 0 19,071
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 3,265,000 60,516 SH   SOLE   0 0 60,516
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 490,000 9,525 SH   SOLE   0 0 9,525
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,628,000 29,641 SH   SOLE   0 0 29,641
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,025,000 15,424 SH   SOLE   0 0 15,424
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 841,000 9,070 SH   SOLE   0 0 9,070
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 491,000 5,488 SH   SOLE   0 0 5,488
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 292,000 5,530 SH   SOLE   0 0 5,530
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 595,000 7,317 SH   SOLE   0 0 7,317
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,117,000 12,328 SH   SOLE   0 0 12,328
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,434,000 28,092 SH   SOLE   0 0 28,092
VANGUARD WELLINGTON FD US QUALITY 921935706 287,000 2,270 SH   SOLE   0 0 2,270
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 375,000 3,345 SH   SOLE   0 0 3,345
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 3,111,000 36,422 SH   SOLE   0 0 36,422
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 482,000 7,176 SH   SOLE   0 0 7,176
VANGUARD WORLD FD ESG INTL STK ETF 921910725 239,000 3,859 SH   SOLE   0 0 3,859
VANGUARD WORLD FD ESG US STK ETF 921910733 419,000 4,765 SH   SOLE   0 0 4,765
VEEVA SYS INC CL A COM 922475108 2,049,000 8,021 SH   SOLE   0 0 8,021
WISDOMTREE TR EM EX ST-OWNED 97717X578 249,000 6,748 SH   SOLE   0 0 6,748
WORLD GOLD TR SPDR GLD MINIS 98149E204 1,193,000 65,603 SH   SOLE   0 0 65,603