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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   30,323,120 584,598 SH   SOLE   0 0 584,598
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   17,429,444 384,247 SH   SOLE   0 0 384,247
ISHARES TR IBOXX INV CP ETF 464287242   16,052,786 157,349 SH   SOLE   0 0 157,349
VANGUARD INDEX FDS TOTAL STK MKT 922908769   14,450,678 68,032 SH   SOLE   0 0 68,032
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   13,799,096 315,624 SH   SOLE   0 0 315,624
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   7,967,641 240,206 SH   SOLE   0 0 240,206
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   7,743,261 154,310 SH   SOLE   0 0 154,310
VANGUARD INDEX FDS VALUE ETF 922908744   7,675,852 55,650 SH   SOLE   0 0 55,650
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   7,012,700 54,472 SH   SOLE   0 0 54,472
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,526,669 34,520 SH   SOLE   0 0 34,520
SPDR GOLD TR GOLD SHS 78463V107   5,156,016 30,073 SH   SOLE   0 0 30,073
SELECT SECTOR SPDR TR INDL 81369Y704   4,784,486 47,194 SH   SOLE   0 0 47,194
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   3,612,668 22,038 SH   SOLE   0 0 22,038
ISHARES TR US AER DEF ETF 464288760   2,906,334 27,426 SH   SOLE   0 0 27,426
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   2,276,414 34,717 SH   SOLE   0 0 34,717
APPLE INC COM 037833100   1,047,101 6,116 SH   SOLE   0 0 6,116
JPMORGAN CHASE & CO COM 46625H100   832,985 5,744 SH   SOLE   0 0 5,744
BERKSHIRE HATHAWAY INC DEL CL A 084670108   531,477 1 SH   SOLE   0 0 1
SPDR S&P 500 ETF TR TR UNIT 78462F103   325,740 762 SH   SOLE   0 0 762
ISHARES TR ESG EAFE ETF 46436E759   288,362 5,051 SH   SOLE   0 0 5,051
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   260,367 5,740 SH   SOLE   0 0 5,740
ISHARES TR IBOXX INV CP ETF 464287242   228,525 2,240 SH   SOLE   0 0 2,240
TESLA INC COM 88160R101   228,201 912 SH   SOLE   0 0 912
ODYSSEY MARINE EXPL INC COM NEW 676118201   50,943 13,621 SH   SOLE   0 0 13,621